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• How to take control of your finances easily and instantly
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• How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
• How to plan for your future efficiently
• How to put your money to work for you by investing sensibly
• How to avoid common investment mistakes
• How to plug other common money leaks that are draining your resources

Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic. We also give you an extra bonus, a set of budget and planning worksheets you can use right away.
 
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2. A budget empowers you to take control of your money instead of letting your money control you.

3. A budget can improve your marriage. The number one cause of marital strife is money. Your budget is a neutral tool to help you and your spouse communicate rationally about money. It can help to give you a common purpose and to minimize arguments about money.

4. A budget helps you prepare for emergencies. The top causes of bankruptcy are sudden unanticipated expenses or job loss. When you have an emergency fund, you are much more likely to get through a situation that would otherwise sink your financial ship.

5. A budget makes money available so that you can use it on the things that really matter to you rather than impulse purchases.

6. A budget can help get out of debt or stay out of debt.

7. A budget gives you peace of mind. You won’t lie awake at night due to worry about your finances.

Budget Q & A

What exactly is a budget?

A budget is a realistic reflection of your current financial situation plus a projection into the future based on reasonable predictions. So it’s both a snapshot and a plan.

I’m new to budgeting. What’s the best way to get started?

First, do your homework. There is lots of budgeting advice available in bookstores and online. You can download our favorite budgeting guide for free in e-book form right here.

Second, keep track of your actual expenditures for at least a month. Write down every penny. You’ll be astonished at the money leaks you discover.

Third, plunge in and make your first budget. It will undoubtedly need tinkering and adjustment, so don’t let the desire for perfection stop you in your tracks. Make a budget, compare your actual expenditures to the budget, and see where you have to change the budget or your spending. It’s a process, not a single destination.

Looking for a way to organize your budget online? There is one service we recommend above all others. Click here to find out more or click here to get started right away with a free trial.

Is money management a puzzle to you? Ask yourself:

• Are you satisfied with how you manage your money?
• Are you paying all your bills on time?
• Do you have enough left over for luxuries and vacations?
• Are you saving systematically for your future and your children’s future?

If you answer “no” or you’re in doubt about any of these questions, then you need this book!

You know, it’s not how much money you make that’s important; it’s how much you keep. You’d be surprised how many executives with six-figure annual incomes are deeply in debt and living hand to mouth, with nothing left at the end of the pay period. On the other hand, there are those low-key employees who have everything they want and a million dollars saved for retirement. It’s all in how you manage your money.

Think of the money you’ll save by using just one of the tips in this jam-packed book! The special free excerpts edition contains chapters one and two of the original, plus the entire special resources Appendix. Click here or click the image below to download the special free excerpts edition now!

In Solving the Money Puzzle, you’ll discover:

• How to take control of your finances easily and instantly
• How to get your personal finances organized simply and effectively
• How to stop the money leak that comes from misusing your credit cards
• How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
• How to plan for your future efficiently
• How to put your money to work for you by investing sensibly
• How to avoid common investment mistakes
• How to plug other common money leaks that are draining your resources

Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic.

How much would you expect to pay for a book that can put more of your money into your pocket every month? Well, it’s a lot less than you think! You may have seen similar books elsewhere for $27.00, $37.00, even $47.00. No, our price isn’t even $17.00. This special excerpts edition is absolutely free! So download it now and get started on the road to solving your own personal finance puzzle.

You can have the free excerpts edition of Solving the Money Puzzle immediately. Download it any time of the day or night.

Click here to download now

Is money management a puzzle to you? Ask yourself:

• Are you satisfied with how you manage your money?
• Are you paying all your bills on time?
• Do you have enough left over for luxuries and vacations?
• Are you saving systematically for your future and your children’s future?

If you answer “no” or you’re in doubt about any of these questions, then you need this book!

You know, it’s not how much money you make that’s important; it’s how much you keep. You’d be surprised how many executives with six-figure annual incomes are deeply in debt and living hand to mouth, with nothing left at the end of the pay period. On the other hand, there are those low-key employees who have everything they want and a million dollars saved for retirement. It’s all in how you manage your money.

Think of the money you’ll save by using just one of the tips in this jam-packed book! Click here or click the image below to order securely through PayPal now!

In Solving the Money Puzzle, you’ll discover:

• How to take control of your finances easily and instantly
• How to get your personal finances organized simply and effectively
• How to stop the money leak that comes from misusing your credit cards
• How to budget effectively (and no, this doesn’t mean you have to live like a pauper)
• How to plan for your future efficiently
• How to put your money to work for you by investing sensibly
• How to avoid common investment mistakes
• How to plug other common money leaks that are draining your resources

Don’t worry, you don’t have to know complicated accounting terminology or mathematical techniques to use this book. It’s written in plain language and requires only simple arithmetic. We even give you an extra bonus, a set of budget and planning worksheets you can use right away. (Be sure to check your email after completing your purchase for information about how to claim your bonus.)

How much would you expect to pay for a book that can put more of your money into your pocket every month? Well, it’s a lot less than you think! You may have seen similar books elsewhere for $27.00, $37.00, even $47.00. No, our price isn’t even $17.00. It’s just $7.95! So order now before the price goes up and while we’re still including the free bonus worksheets.

You can have Solving the Money Puzzle immediately. Download it any time of the day or night as soon as you complete your secure purchase through PayPal.

Not quite ready to buy today? You can download the special excerpts edition absolutely free. What are you waiting for?

Download the special excerpts edition or order the full edition now. It’s for your financial future and peace of mind.

Inside it you will discover:

1. How to develop a perfect self image and get rid of all limiting beliefs.
2. How to achieve everything you ever wanted and eliminate failure from your life forever.
3. How to instantly change any habit, create lasting change effortlessly, and become master of your life.
4. The secret of manifesting everything you ever wanted into your life.
5. How to feel completely inspired, motivated and empowered in 3 minutes – and kill procrastination forever.
6. How to perfect your people skills and get others to do anything you want.
7. How to develop perfect health and release creativity, energy and enthusiasm into your life.

To take advantage of this special offer, click here now.

Edited and adapted by Steve Diamond from Hill’s masterwork, The Law of Success

Editor’s note: We will be publishing more excerpts from and material about Napoleon Hill’s The Law of Success in coming weeks. You can buy it directly from Amazon using the link in this paragraph, or you can wait for us to announce its availability as a downloadable E-Book, coming soon.

It’s interesting that Hill begins his list of your most dangerous enemies with “the fear of poverty.” You’ll quickly see that this short essay, like the rest of Hill’s work, is extremely relevant to your financial state. The suggestions he offers here can lead to freedom from poverty, debt, and fear.

Every person on earth is afraid of something. Most fears are inherited. In this essay you may study the six basic fears which do the most damage. Your fears must be mastered before you can win in any worthwhile undertaking in life. Find our how many of the six fears are bothering you, but more important than this determine, also how to conquer these fears.

The purpose of this essay is to help the readers of this course throw off these deadly enemies. Observe that the six characters are at your back, where you cannot conveniently see them.

Every human being on this earth is bound down to some extent by one or more of these unseen FEARS. The first step to be taken in killing off these enemies is to find out where and how you acquired them.

They got their grip upon you through two forms of heredity. One is known as physical heredity, to which Darwin devoted so much study. The other is known as social heredity, through which the fears, superstitions and beliefs of men who lived during the dark ages have been passed on from one generation to another.

Let us study, first, the part that physical heredity has played in creating these six BASIC FEARS. Starting at the beginning, we find that Nature has been a cruel builder. Form the lowest form of life to the highest; Nature has permitted the stronger to prey upon the weaker forms of animal life.

The fish prey upon the worms and insects, eating them bodily. Birds prey upon the fish. Higher forms of animal life prey upon the birds, and upon one another, all the way
up the line to man. And, man preys upon all the other lower forms of animal life, and upon MAN!

The whole story of evolution is one unbroken chain of evidence of cruelty and destruction of the weaker by the stronger. No wonder the weaker forms of animal life have learned to FEAR the stronger. The Fear consciousness is born in every living animal.

So much for the FEAR instinct that came to us through physical heredity. Now let us examine social heredity, and find out what part it has played in our make-up. The term
“social heredity” has reference to everything that we are taught, everything we learn or gather from observation and experience with other living beings.

Lay aside any prejudices and fixed opinions you may have formed, at least temporarily, and you may know the truth about your Six Worst Enemies, starting with:

The FEAR OF POVERTY! It requires courage to tell the truth about the history of this enemy of mankind, and still greater courage to hear the truth after it has been told. The Fear of Poverty grows out of man’s habit of preying upon his fellow men, economically. The animals which have instinct, but no power to THINK, prey upon one another physically. Man, with his superior sense of intuition, and his more powerful weapon of THOUGHT, does not eat his fellow man bodily; he gets more pleasure from eating him FINANCIALLY. So great an offender is man, in this respect, that nearly every state and nation has been obliged to pass laws, scores of laws, to protect the weak from the strong. Every blue-sky law is indisputable evidence of man’s nature to prey upon his weaker brother economically.

The second of the Six Basic Fears with which man is bound down is:

THE FEAR OF OLD AGE! This Fear grows out of two major causes. First, the thought that Old Age may bring with it POVERTY. Secondly, from false and cruel sectarian teachings which have been so well mixed with fire and brimstone that every human being learned to Fear Old Age because it meant the approach of another and, perhaps, a more horrible world than this.

The third of the Six Basic Fears is:

THE FEAR OF ILL HEALTH: This fear is born of both physical and social heredity. From birth until death there is eternal warfare within every physical body; warfare between groups of cells, one group being known as the friendly builders of the body, and the other as the destroyers, or “disease germs.” The seed of Fear is born in the physical body, to begin with as the result of Nature’s cruel plan of permitting the stronger forms of cell life to prey upon the weaker. Social heredity has played its part through lack of cleanliness and knowledge of sanitation. Also, through the law of suggestion cleverly manipulated by those who profited by ILL HEALTH.

The fourth of the Six Basic Fears is:

THE FEAR OF LOSS OF LOVE OF SOMEONE: This fear fills the asylums with the insanely jealous, for jealousy is nothing but a form of insanity. It also fills the divorce courts and causes murders and other forms of cruel punishment. it is a holdover, handed down through social heredity, from the stone age when man preyed upon his fellow man by stealing his mate by physical force. The method, but not the practice, has now changed to some extent. Instead of physical force man now steals his fellow man’s mate with pretty colorful ribbons and fast motor cars and bootleg whisky, and sparkling rocks and stately mansions.

Man is improving. He now “entices where once he “drove.”

The fifth of the Six Basic Fears is:

THE FEAR OF CRITICISM: Just how and where man got this Fear is difficult to determine, but it is certain that he has it. But for this Fear men would not become bald- headed. Bald heads come from tightly fitting hat-bands, which cut off the circulation from the roots of the hair. Women seldom are bald because they wear loose fitting hats. But for Fear of Criticism man would lay aside his hat and keep his hair. The makers of clothing have not been slow to capitalize this Basic Fear of mankind. Every season the styles change, because the clothes makers know that few people have the courage to wear a garment that is one season out of step with what “They are all wearing.” If you doubt this (you gentlemen) start down the street with last year’s narrow- brimmed straw hat on, when this year’s style calls for the broad brim. Or (you ladies), take a walk down the street on Easter morning with last year’s hat on. Observe how uncomfortable you are, thanks to your unseen enemy, the FEAR OF CRITICISM.

The sixth, and last of the Six Basic Fears is the most dreaded of them all. It is called:

THE FEAR OF DEATH! For tens of thousands of years man has been asking the still unanswered questions – “WHENCE?” AND “WITHER?” The more crafty of the race have not been slow to offer the answer to this eternal question, “Where did I come from and where am I going after Death?” “Come into my tent,” says one leader, “and you may go to Heaven after Death.” Heaven was then pictured as a wonderful city whose streets were lined with fold and studded with precious stones. “Remain out of my tent and you may go straight to hell.” Hell was then pictured as a blazing furnace where the poor victim might have the misery of burning forever in brimstone.

No wonder mankind FEARS DEATH!

Determine, if you can, which of the Six Basic Fears is doing you the greatest damage. An enemy discovered is an enemy half whipped.

Thanks to the schools and colleges man is slowly discovering these Six Enemies. The most effective tool with which to fight them is ORGANIZES KNOWLEDGE. Ignorance and Fear are twin sisters. They are generally found together.

But for IGNORANCE and SUPERSTITION the Six Basic Fears would disappear from man’s nature in one generation. In every public library may be found the remedy for these six enemies of mankind, providing you know what books to read. Begin by reading The Science of Power, by Benjamin Kidd, and you will have broken he strangle hold of most of your Six Basic Fears. Follow this by reading Emerson’s essay on Compensation. Then select some good book on auto-suggestion (self suggestion) and inform yourself on the principle through which your beliefs of today become the realities of tomorrow. The Mind in the Making, by Robinson, will give you a good start toward understanding your own mind. (Editor’s note: You can purchase these books directly at Amazon using the links in this paragraph.)

Through the principle of social heredity the IGNORANCE and SUPERSTITION of the dark ages have been passed on to you. But, you are living in a modern age. On every hand you may see evidence that every EFFECT has a natural CAUSE. Begin, now, o study effects by their causes and soon you will emancipate your mind from the burden of the Six Basic Fears.

Begin by studying men who have accumulated great wealth, and find out the CAUSE of their achievements. Henry Ford is a good subject to start with. Within the short period of twenty-five years he has whipped POVERTY and made himself the most powerful man on earth. There was no luck or chance or accident back of his achievement. It grew out of his careful observation of certain principles which are as available to you as they were to him. Henry ford is not bound down by the Six Basic Fears; make no mistake about this.

If you feel that you are too far away from Ford to study him accurately, and then begin by selecting two people whom you know close at hand; one representing your idea of FAILURE and other corresponding to your idea of SUCCESS. Find out what made one a failure and the other a success. Get the real FACTS. In the process of gathering these facts you will have taught yourself a great lesson CAUSE and EFFECT.

Nothing ever just “happens.” Everything, from the lowest animal form that creeps on the earth or swims in the seas, on up to man, is the EFFECT of Nature’s evolutionary process. Evolution is “orderly change.” No “miracles” are connected with this orderly change.

Not only do the physical shapes and colors of animals undergo slow, orderly change from one generation to another, but the mind of man is also undergoing constant change. Herein lies our hope for improvement. You have the power to force your mind through a process of rather quick change. In a single month of properly directed self- suggestion you may place your foot upon the neck of every one of your Six Basic Fears. In twelve months of persistent effort you may drive he entire herd into he corner where it will never again do you any serious injury.

You will resemble, tomorrow, the DOMINATING THOUGHT that you keep alive in your mind today! Plant in your mind the seed of determination to whip your Six Basic Fears and the battle will have been half won then and there. Keep this intention in your mind and it will slowly push your Six Worst Enemies out of sight, as they exist nowhere except in your own mind.

The man who is powerful FEARS nothing; not even God. The POWERFUL man loves God, but FEARS HIM NEVER! Enduring power never grows out of FEAR. Any power that is built upon FEAR is bound to crumble and disintegrate. Understand this great truth and you will never
be so unfortunate as to try to raise yourself to power through the FEARS of other people who may owe you temporary allegiance.

Man is of soul and body formed for deeds
Of high resolve; on fancy’s boldest wing
To soar unwearied, fearlessly to turn
The keenest pangs to peacefulness, and taste
The joys which mingled sense and spirit yield.

Or he is formed for abjectness and woe, To grovel on the dunghill of his fears,
To shrink at every sound, to quench that flame
Of natural love in sensualism, to know
That hour as blest when on his worthless days
The frozen hand of death shall set its seal,
Yet fear the cure, though hating the disease.

The one is man that shall hereafter be,
The other, man as vice has made him now.

- SHELLEY

“The Science of Getting Rich”
A 17-lesson introduction to the ageless classic by Wallace D. Wattles.

“Others still are poor because, while they have some notion of science, they have become so swamped and lost in the maze of… theories that they do not know which road to take. They try a mixture of many systems and fail in all.”

Wallace D. Wattles
“The Science of Getting Rich”
free e-book download also available