As the chief financial officer of your wellbeing, you generally will find yourself in one of three conditions. Like millions of Americans, you may be living above your means. That means spending more than you make. Consumers find help with credit counselors who hold onto the tight rope that supports you until you can get back on solid ground. You may be among those who consistently live below their means, spending less than they earn. That means the consumer can accumulate funds and invest those for life's big-ticket items such as a home, college for the kids, and retirement.
A larger portion of Americans live within their means, living paycheck-to-paycheck most of the time. Further, living within one's means can include a manageable level of debt including a mortgage, car loans and credit cards, all paid on time, but there's nothing leftover to save. While living within one's means there will be times that a few missed paychecks, a layoff or other event can send you into the "above-means" dilemma; that's uncomfortably close.
But what does it take to live below one's means? We at ProfiTuit often hear people say, "I don't make enough money to save.; that is very real to them. Yet, we also know people who are in the same economic situation in terms of income and obligations, and somehow they are investing in an ever-growing portfolio. If you wonder how they can do it, we should talk.
Both the people who live above and below their means do not walk alone. Footprints in the financial-sand beside theirs are made by professionals who take a sincere interest in their financial success.
-- Credit counselors help those who are deep in debt. Counselors reorganize their debts and help them pay down their debts until they feel relief.
-- Investment advisors assist clients by helping them choose the best ways to make theirfinancial assets grow through investment diversification and other strategies.
ProfiTuit Financial Coaches help consumers get in touch with their financial situation and guide them to choices that lead them toward financial freedom. One day you want to invest in securities that will strengthen your financial position.
We are sure you can not imagine buying stock in a company that does not grow in value. One essential way companies grow in value is they do not spend all their income; they consistently retain a portion of their profits in order to expand into other profitable ventures. That's why "profit" is in our name. When you treat your household like a successful company, you too will keep some of your profit, retain some of your hard-earned income, to enable you to do more things in the future.
Will your ProfiTuit group coaching or one-on-one coaching experience lead to increased income? Maybe. But that's not the first thing to examine. You will examine the choices you've made and are making with your existing income, and creatively, effectively, make changes that will change your financial life forever. We guarantee it or your money back - three times over.
If you are coachable, we should get started now. The sooner you begin on a better path, the easier it is to succeed; and that's true no matter your age. Your coach has a story to tell that makes that point clear.
ProfiTuit provides group financial coaching for our members.
Our comprehensive model brings all these entities together to
deliver a complete service to our members.
Consider this brief assessment of your present financial state.
Your responses are kept confidential and is meant as a reflection for you to take action or to connect with ProfiTuit coaches.
My dad gave me one dollar bill
'Cause I'm his smartest son,
And I swapped it for two shiny quarters
'Cause two is more than one!
And then I took the quarters
And traded them to Lou
For three dimes--I guess he didn't know
That three is more than two!
Just then, along came old blind Bates
And just 'cause he can't see
He gave me four nickels for my three dimes,
And four is more than three!
And I took the nickels to Hiram Coombs
Down at the seed-feed store,
And the fool gave me five pennies for them,
And five is more than four!
And I went and showed my dad,
And he got red in the cheeks
And closed his eyes and shook his head--
Too proud of me to speak!