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Dear Friend,

I know exactly where you are right now.

You would like to change your spending and savings habits and have money left over at the end of the month. You would also like to save for your retirement or your kid's education. You would also like to become a wealthy and never have to worry about money again – yet you are not sure how to become wealthy.  

How do I know this? Because that was me 4 1/2 years ago! And will my simple system to financial success blow you away!

In fact, you will discover how in 2005 I increased my networth by 75%, increased my income by 47% and reduced my debt by 50%! My e-Book course will do the same for you! Incredible but true!

Stop reading this letter now if you have no financial issues.  Or, if you don’t want a simple process to dramatically change your finances within the next couple days, and not months or years.  Or, if you don’t mind being broke at the end of the month, Or, if you don't mind being one of the 95% of people who retire flat-broke at age 65.

Here is why you will want my e-book course today: 

This is the only e-book which focuses on the simple financial activities that can be changed, and is written for anyone who dreams of understanding how to become a wealthy person within days of reading. In fact, this guide is your personal self-help guide, which will make the process of changing you financial picture simple and painless. 

You Simply Can't Beat this 100% No-Risk Opportunity to Financial Freedom 

I'm so confident of this bold promise, that I'm giving you my 100% iron-clad money back guarantee at the outset.  If you do find that after reading my e-book course you do not change your mindset about money, discover how to save more money and become wealthier than your neighbors then I will gladly refund your money with no questions asked.

Now, I know you are probably skeptical. That's normal.  Let me give you three excellent reasons we can backup what we claim:

Three Reasons to Believe What I Say:

Reason #1: I truly do practice what I preach. I know how to teach about finances, and specifically the little things in life that make a huge difference. The "What Mom and Dad Should Have Taught Me About Money" e-book course uses actual hands-on teaching with the reading, so you know exactly step-by-step how to move towards more wealth literally overnight. This unique and proprietary system could only be created by someone who actually implemented the learning and saw positive financial results.

Reason #2: I have been very successful at saving more money and building wealth, as a result of the simple and powerful techniques outlined in this e-book course. I have personally coached people all over the world on improving their financial picture. I understand the hectic lifestyle you have and your desire to truly change your finances. My clients have also realized that complex financial concepts that by these other “money gurus” will not be the basis for saving more money and creating wealth.

Reason #3: Everyone (the middle class and the wealthy) have found my e-book course to save them a lot of time, energy and specifically MONEY. In fact, many people and experts consider my book to be the definitive guide to saving more money and creating wealth. Who else to help you improve your finances then someone who has actually done it?

	Shawn,   I was spending money on items that I wasn't even aware of!  After reading your book, I was able to save over $247 per month on unnecessary items.  I thank you for this simple guide to saving money. Kriss, Illinois Full-Time Marketing Expert

Here is a Summary of the Benefits You Will Receive:

• You will discover 90+ tips that will help you save $100-$200+ more every single month.
   
• You will discover why saving in small increments is better than saving for larger amounts.
   
• You will discover secrets that the credit card companies do not want you to know about.
   
• You will discover how to save tens of thousands of dollars on your mortgage. 
   
• You will gain the understanding of why starting a savings plans is your most important action to take now. 
   
• You will finally understand why changes to your mindset (that is the way you think and believe) is the starting point to changing your financial future.
   
• You will discover the process of communicating positive thoughts to yourself and your family, which will help you to save more money and spend less. 
   
• You will discover a simple process to get rid of your debt faster than you could ever imagine. 
   
• You will gain the know how to save hundreds or thousands of dollars off your taxes by emptying the junk in your closets.
   
• You will discover why the 'law of compounding' is the universal law to creating a large savings.
   
• You will discover what the wealthy do on a consistent basis to ensure that they retire comfortably at age 65.

It’s legal. It’s ethical. And it works!

Now, you are probably wondering how and why we can do all these things.

Let me explain.

At SaveMoreSpendLess.com, we believe that, "Everyone Deserves To Be Free From Their Financial Problems". The most inexpensive and quickest way to be free from you financial worries is by doing the little things in life that will make a huge impact on your finances.

Can You Picture This?

Imagine the feeling of accomplishment you will have when you become debt free, and have saved money for your future, and your family’s future. Think of the benefits your family will gain by following my easy and simple steps to saving more and spending less.

Everyone Deserves To Be Free From Their Financial Problems!

Your personal financial experiences... both successful and unsuccessful... make you both as a person and a potential debt-free individual. You don't need to be expert in finances to become free from your financial worries.

SaveMoreSpendLess.com's course written in an eBook format and titled "What Mom and Dad Should Have Taught Me About Money", focuses on the process and the simple "how to’s" of saving more and spending less within seven days or less.

Once again, you don't need to be a financial expert to use this course. Just follow my simple steps and worksheets, and you will get rid of your financial problems and worries.

Still in Doubt? Consider This....

The average American carries $8,000+ in credit card debt. Do you want to spend two to three times the amount to pay off this debt?

A report by the government states that 95% of Americans have not saved enough money to retire at age 65. Do you want to retire comfortably?

The average person is $400/month away from bankruptcy.

Order 

Don't take my word for it. Listen to what a few of our many satisfied customers and clients say.

	Shawn, Your new book provided more money saving concepts than I could have ever anticipated.  I found the list of top 90+ ways to save money especially insightful. My wife says I'm the spender in the family... so my wife thanks you for this book too!  A must read for anyone who wants to save money - for a house, education or car.  Or perhaps even to pay off these items early! John, Missiouri Small Business Owner of 20 years

	Shawn, I am really excited- I have been saving my receipts for 3 weeks and already have stopped spending so much money.   When you keep track of everything, I was amazed on how much I was spending on useless things.  My goal is to pay all of my credit cards off and I am almost there and save to take my son on a nice vacaiton.  I found your information just by engine search and I found all the information very useful and hope to make 2005 very rewarding!! Jill, Florida

	Shawn, This book has opened our eyes to our true spending habits and exactly where our money is going each month.   As a result of keeping the daily log for a few months we have been able to better differentiate between needs and wants. We all know the difference between needs and wants but over time it becomes easy to justify a want into a need.   We have also learned the value of "snow-balling" money; if we have a bill that is $100 that we have paid off, rather than spending that money we put it towards another bill to pay it off earlier.  The concepts in this book have helped us immensely, so much and we can see a immediate future with less debt!  Amy, Iowa

	Shawn, This is absolutely a "must have" book for everyone who wants to get on the right foot with their finances.   It is jam packed with practical advice and easy to follow steps on how to eliminate debt, save money, and create the future of your dreams. What makes this book different from the other books on the subject of personal finances is the author's deep understanding of the human nature and motivation necessary to persist on the road to a debt-free future.  This is not one of those "get rich quick" books that get you all excited, but do not tell you what to do on "day one". If you want to stop the vicious cycle of irrational spending and immediately start improving your financial life, then purchase this book and get ready for a journey. This worthy companion will be a daily source of guidance and support on every step of your way. It contains a rich set of tools that will help you to easily assess your current financial situation, set the goals, and monitor the progress toward better tomorrow. Enjoy the ride! Elvira, Bosnia

STOP NOW! Before your purchase any book or course on finances I want to give you 5 criteria you absolutely, positively must look for.

This includes the following:

1. Not just a list of "how-to's" but a detailed guide on how to truly save more money, spend less money and create wealth, and to fully understand why you are doing what you are doing.  The enemy of your success is you believing that you have to spend money, and not understanding the power of consistently saving your money.  What you don't need is another long list of "to-do's." Trust me...this doesn't work. The people who buy my book are living proof. 
   
   Understand this once and for all. The enemy of your financial success is poor spending and saving habits. What you need is a Guide which takes into consideration the needs of you the learner. There is nothing else on the Internet which does this! Nothing!
    
2. Realistic understanding of how to effectively deliver a learning experience that will change your finances without placing a significant burden on your family.  Who better to help you than experts who have already dramatically changed their financial picture for the better.
    
   
3. Ongoing support throughout the entire process. This e-book course and I will be your personal mentor.
    
   
4. A learning experience that provides you with actual exercises to improve your finances.   My course will allow you to easily learn how to change your mindset about money, and will also show you how to decrease your spending, increase your savings and become wealthy.
    
   
5. The average person should have seen results with a book or course on finances.  The testimonials on my site are living proof.

You get at least 20 times your money's worth!

This e-book course has been 1 1/2 years in the making. I have spent hundreds of hours putting together a course, which is now considered a premier course for improving your finances overnight.

It is our culminating effort at ensuring that this will meet your individual needs and learning style. I challenge you to find anything on the Internet that even comes to the value you will find in this eBook. There simply is nothing else.  This eBook Course is in a league of its own.

This eBook Course will provide you the peace of mind to confidently and successfully improve your finances in record time and without pain.

In fact, our material has been field tested with the personal coaching that I conduct.

Consider that other e-courses are more money, but do not help you with the process, have un-realistic time frames, do not provide on-going support and do not provide actual exercises and worksheets to walk you through the process to better finances.

We've made the costly mistakes so you can save time, prevent frustration, and boldly go where few people have gone before. How do you put a price on the time and energy you will save?

Here's a summary of what you will learn:

• Chapter 1: My Personal Story and Life Mission -- you will fully understand why I wrote this book, and why I'm qualified to deliver this information to you.
   
• Chapter 2: The Right Mindset about Money -- you will learn why its important and how to develop the right mindset about money.
   
• Chapter 3: Discussing Money with Your Family -- you will learn why it's important to discuss financial matters with your family, and you will learn a simple way to accomplish this.
   
• Chapter 4: Setting Financial Goals -- you will learn a simple process to setting financial goals that will help guide you to a better financial picture.
   
• Chapter 5: Organizing Your Financial Records -- you will understand why it's important to stay organized, and you will also discover why it necessary to record important financial data in the event of an emergency.
   
• Chapter 6: Saving Your Hard Earned Money -- you will learn why you need to save on a consistent basis, and you will also discover why saving in smaller increments is better that trying to win the lottery.
   
• Chapter 7: Budgeting 101 -- you will learn how to determine if your spending is out of control and you will learn the steps to managing your finances. You will also learn why its important to discuss your spending with your family.
   
• Chapter 8: Spending Money the "Right Way" -- you will learn what questions to ask yourself prior to spending a small amount of money or when buying a large or expensive item.
   
• Chapter 9: Simple Ways to Spend Less Every Day -- you will discover 90+ ways to save $200 or more per month... GUARANTEED!!!
   
• Chapter 10: Eliminating Your Debt -- you will learn a simple process for reducing and eliminating your debt in record time.
   
• Chapter 11: Save a Room Full of Money on Your Mortgage -- you will learn secrets will save you thousands of dollars on your mortgage. These are things that your mortgage company won't typically discuss with you and your family.
   
• Chapter 12: Ways to Lower Your Insurance Costs -- you will learn how to save hundreds of dollars on your home, life and car insurance. The knowledge I provide will save you $100-$200 per month.
   
• Chapter 13: Reduce Your Taxes in 5 Simple Steps -- you will learn five simple steps to ensure that your taxable income is decreased dramatically.
   
• Chapter 14: Secrets About Credit Cards that You Should Know -- you will discover some hidden secrets that the major credit card companies and banks wish you would not learn.
   
• Chapter 15: Extra Savings in the Back of Your Closets -- you will learn a trick to lowering your taxable income by $500 to $2000+ every single year. I have consistently followed some simple steps that will also save you a lot of money.
   
• Chapter 16: Why the Family Down the Street Is Wealthy -- you will learn secrets of the people who have no debt and a large savings account.

The simple steps outlined in the e-book course will work if you spend the time to read and follow the steps. If you have been waiting for a book or course that will show you the way to spending less and saving more money, then you have just found your answer.

Can you afford this material?

You're probably thinking, "Okay, Shawn... Cut to the chase and tell me -- what's the cost for this groundbreaking information?"

Well, I realize that this course could easily sell for hundreds of dollars. I personally know financial gurus out there who are charging hundreds, even thousands of dollars for their courses. I can clearly remember how eager I was to have this material, but could never afford it.

It was frustrating to say the least -- and let me say that we have not forgotten where we came from!

This Course Is Truly Awesome!
Act Now And Your Life Will Change Forever!

We want the opportunity to impact your life in a positive way, and we are rock-solid committed to not letting money stand in the way of your dreams coming true.

Let’s face it, the money you will save by following just one of the steps or tips from this course will dwarf cost of the e-book course, which is why we are not going to charge you $97 for the course (though it would be well worth every penny at that price, and we know it).

I love giving folks a really great deal. So, we are selling this entirely unique, immediately usable, and extremely simple information for only $27, which will empower you to change your finances immediately.

I don't care if you filed for bankruptcy last week, my friend, because if you can read, and know how follow some simples steps, you will save more, spend less and become wealthy -- 100% guaranteed:

	Urgent:  Time Sensitive Discount! During the price-testing phase of our marketing, I would like your permission to offer you a special 60% discount off of our course if your order now! You can save $40 immediately off the original price of $67 and download our course right now for only $27.00! Order now! Please note: this special discount is only being offered during our testing phase, and is closely monitored on a daily basis and can be changed at any time. However, we will honor the 60% discount pricing on all orders that we receive in the next 24 hours.

Here's our simple iron-clad guarantee to you...

We personally guarantee that if you use the techniques and strategies in the “What Mom and Dad Should Have Taught Me About Money” e-book course, that you will change your finances for the better after your have read this course.

If within 90 days, you honestly believe we have not delivered on this promise, drop us an e-mail and I will promptly return your money -- no questions asked. We feel 90 days is a fair and reasonable amount of time to prove to yourself, 100% risk-free, exactly how painless saving more and spending less money is with our system.

If you have not improved your finances for the better within 90 days, you may ask for an immediate refund, which we will issue -- no questions asked! That’s how much we believe in our course and, more importantly, that is how much we believe in you!

Is that fair, or what?
Your purchase is 100% risk-free!

Not only that -- what would you say if I told you that I can sweeten the deal even more, by giving you the following three items, completely free, when you order today. In addition to the e-book course “What Mom and Dad Should Have Taught Me About Money” you will get the following free bonuses:

• BONUS #1:  Secret to Saving $29.00 or More On Late Credit Card Payments

  In this bonus, you will learn as simple five minute technique that will save you $29 or more on your next credit card statement. I used this technique more than 5 times….. it saved me over $150 or more and you too can use this technique. ($97 Value)

• BONUS #2:  Free Email Support for the First 30 Days

  You read it right! I will answer your questions free of charge via email for the first 30 days. Any question you have about finances is free of charge. You will be able to email me and receive a personal response within 48 hours. 

  We simply refuse to let you get behind because you don’t quite understand something in our course. Listen, when we tell you we are serious about your success we mean it. We will not allow anything to stand in your way to change your finances forever. ($197 Value)
   
• BONUS #3:  Free 20-Minute Financial Coaching Session
  
  Yes, you will receive a free analysis of your current financial situation, and I will provide you with a step-by-step action plan to dramatically improve your finances in seven days or less guaranteed. This alone could save you an additional $200-$500+ per month. ($97+ Value)

• BONUS #4:  Free 3 Day / 2 Night Certificate for a Vacation
  
  Yes, you see it right. You will be able to stay 3 Days / 2 Nights at one of 20 locations throughout the United States and Mexico.  Some of the unbelievable locations include Las Vegas, Cancun, Daytona Beach, Lake Tahoe, Orlando and many other beautiful locations.  This is not a timeshare!  You will be responsible for a very small fee for taxes, which is not even close to the value of this bonus! ($247+ Value)

	Let’s add up all the value you will receive: e-Book Course $67.00 Secrets to Late Credit Card Payments $97.00 Free Email Support for 30 Days $197.00 Free 20 Minute Coaching Consultation $97.00 Free Vacation Certificate $247.00   Total $705.00

I’m giving you all of these bonuses and the e-book
course for the low price of $27!

This is easily about 1/12th of what I could charge for this e-book course!

Click here to order now...
before the price goes up again!

Listen -- huge things will always happen for the man or woman who is committed to making it happen. If you are wishy washy, or merely curious -- then don't expect huge results.

If you would like to change your finances like I did, then you will make the decision to take immediate action and purchase this course.

When I first starting learning about finances, I knew next to nothing about the right way to save or spend money (which puts you ahead of me at that point in time), but I assure that I was committed to changing my financial future.

I find it hard to even imagine how my life would now be if I had not made that one decision (to improve my finances) that literally altered the course of my destiny!

Yes, my friend, one single decision you make can impact
your life for the rest of your time on earth

You are now at the crossroads of your destiny. What may seem like a minor decision to you -- whether or not to charge $67 $27.00 to your credit card -- may very well be the catalyst to you living the life you've always dreamed of -- in the home you've always wanted!

This much we can promise you:  Nothing will change unless you first take action now! You are closer to your miracle then you think! You can live a life of prosperity or you can live a life of regret. The choice is completely yours!

Take Action Now So You Are One Of The 5% That Retire
Without Worrying About Their Finances

Order the course right now for only $27.00, and learn this incredibly simple steps to improving your finances and becoming wealthy. You have nothing to lose, and a lifestyle you have only dreamed of to gain!

It will take you hours (not days, or weeks) to read -- and we guarantee that you will save more and spend less with this course within days, or we will refund your money with no questions asked.

Is our course worth $27.00?  Well, we believe it is worth a lot more.  A lot more. What you will have placed in your hands has come at a high price to us and we are not just talking about financial considerations.  Ultimately you will determine the true value of our information, but we can tell you this..... There is no doubt in our hearts that you are worth $27.00!

	INSTANT ACCESS! Purchase Online with Credit Card by Secure Server.   You'll be redirected to my order page with secure processing.  Once processed, you will be granted immediate access to begin downloading your course and FREE bonus material! Plus, your personal information is completely SAFE.  I do not share this information with anyone!

Click here to order our course risk free!

Note: You are ordering a downloadable product, which means
you will be able to start reading the course within minutes
of placing your order!

Caring for your success,
 
Shawn Wiederin

P.S. Let's be blunt: What will change in your life if you pass on this offer? If you don't change, what could possibly happen to better your life -- short of winning the lottery, or finding oil in your own back yard? The fact of the matter is, we firmly believe it was no accident that you came across our web site and you know very well what I'm talking about. Click here to order now.

P.P.S. My question to you is, if not now -- when? Why not you? You will be spending less and saving more money in no time! The timing will never be better! I am providing you with the easiest steps to turning around your financial picture.

P.P.P.S. I know that $27 is a lot of money for most people. You would spend hours reading other books and visiting other web sites on the internet. If you truly want to change your finances in hours and not days, then you will spend the $27 to learn how to improve your spending and saving habits now!

Take the one small step today that can put you on the road to financial freedom! We promise you'll be glad you did -- and our iron clad 90-day guarantee sets this promise in stone.

You do deserve to have it all! Click here to order now!

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