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“My account has shown currently that I spent over 800 dollars less than this time last month! Even after bills! That’s crazy!”
Taryn F.
“My husband and I are finally in the finances together. We both have a clear picture of our debt, our expenses, and our goals. No pointing fingers or laying blame… supporting each other with understanding and grace TOGETHER! After 15 years of marriage… Amazing! …Because of SeedTime. YOU guys definitely get the credit for this one.”
Martha A.
“My husband and I sat down at the table last night and 2 1/2 hours later we had come up with a workable budget, a debt plan, and a covenant with one another to hold each other accountable… The biggest blessing was that my husband took an active part in creating the budget and there were no screaming matches and no harsh words exchanged…”
Millicent D.
“We’ve cut our overspending down from $1,000/mth to $200/mth (even with less income) and are definitely aiming at $0 by the end of next month.”
PO10K Student
Our research has found that a simple plan always yields more success than a complicated one. While some of the lessons in the class are advanced little-known strategies, the plan is very simple. In the class there are 3 primary objectives:
Show you how to painlessly free up at least $500 in expenses each month (trust me, we will).
Help you earn at least an extra $500 each month.
Then take that extra $1,000 and show you how to most efficiently use it to pay off your debt.
Welcome to the class
Download your class overview
How much are you paying?
The 2 Biggest Debt Traps that Keep You Broke (And How to Escape Them)
Discover your starting point with your AUM (aka Net Worth)
The 4 Steps to Erase Your Debt and Rewrite your Future
How to stay motivated on this journey
How to use the save $500/month worksheet
If you want results, you need to take action
Forgotten Subscriptions: The $133 Monthly Leak in Your Wallet (And How to Plug it in 5 Minutes)
Let's get some results right now with eBay
The average American will add $250/month with this
Shop like normal and let Rakuten save you money
I Changed Grocery Stores and Accidentally Saved $400: The Shopping Hack Nobody Talks About
How I save hundreds every year using Amazon's Subscribe and Save, while simplifying my life in the process
Save with the "Stranger Test"
Stop paying when you can get it free
The easiest way most of us can save thousands of dollars
An almost guaranteed way to save for car owners
This Free App Outsmarts Amazon's Pricing Algorithm
How to break your Starbucks habit and save hundreds in the process
If you have credit cards, you must do this
How to spend less without even trying
Your monthly bills are too high - let's fix that
The Lazy Person's Guide to Saving Money
This one only applies to Christians
How I Slashed My Phone Bill by $160 a Month: The 15-Minute Hack Your Cell Phone Doesn't Want You to Know
For you die-hard Target shoppers
The 'No Eating Out' 30-Day Challenge that is sure to Save You Hundreds this Month
You are going to feel like you can't do it
How to use the earn $500/month worksheet
How I made $2,145 in a month by decluttering
Find lost money within 30 seconds
All you need is a computer to be able to do this one
Amazon wants to buy back your purchases
Pet lovers, this is a great one for you
Earn up to $2.50 per minute just by typing
Make up to $35/hour driving your own vehicle
7 Tips You Can Follow to Get a Pay Raise
Get paid up to $22/hr to deliver groceries
Get paid $30/hour to give feedback on websites
How one part-time eBayer made $50,000 in a year
Make up to $200 per month by donating your Plasma
If you're friendly and have a smartphone, give this one a try
Starting the payoff process
Why Your Financial Goals Feel Impossible (And the Hidden Pattern Behind Every Financial Breakthrough)
The Debt Snowball Method (and calculator)
A Biblical formula for paying off debt miraculously fast
Is debt consolidation a good idea?
How to handle unexpected expenses
Extra Credit: How I got 0% on all of my credit cards and car loans
Extra Credit: Consider pausing retirement savings
Success Story: How this family paid off $120,000 of debt
Success Story: How we paid off $20,000 in less than 9 months
Success Story: Family paying off $130,000 in under 4 years
Sample Budgets to see how you compare
5 student loan forgiveness programs
The step-by-step guide to clean and repair your credit report
6 important tips for handling medical debt
Should you pay off your house early?
My never-lose-money-on-a-purchase approach
Extra Credit Exercise: Week-long spending fast
Extra Credit Exercise: Spending Log
Bonus material included with purchase of the course
The class contains an ever-growing library of success story interviews with others just like you who have paid off massive amounts of debt. In each one, we find out the juicy details of how they did it! These are people JUST LIKE YOU. Ordinary people who have had success paying off massive amounts of debt. You’ll learn the exact strategies they used and the results they experienced.
My strategy for organizing our bank accounts. We spent years perfecting our system and this PDF template and bonus lesson shows you exactly how they are laid out and how we use them.
Exclusive 30-minute interview with Joseph Michael who built a 6-figure online business on the side in just over a year. In the interview, we discuss the keys to getting your business idea off the ground! If you have wanted to start an online business, this is for you!
I love Dave Ramsey's course and in fact, my wife Linda and I took it a few years ago and I have recommended it often. But there are some key differentiators between our course and his. Due to the one-size-fits-all approach of FPU, it is a bit more generalized in the materials, leaving the students to have to figure many things out on their own. Secondly, FPU is a much more general financial course covering a wide range of topics. FPU is a bigger time committment whereas PO10k is a self-study course that you can move through at your own pace. And finally, we have a money-back guarantee, which eliminates all risk to you.
While some of the lessons may only be applicable to those within the US, the majority of the content will work for anyone, especially the concepts and ideas around how to better manage your money - that will work regardless of where you live!
You can take the course at your own pace but if you commit to an hour a night to work through the lessons, I think you'll find that you can get through the course in a couple months.
The principles of the course will work just the same for you - the difference is you'll be able to put the money you earn and save toward paying down your mortgage, saving for retirement or college or any other goals you have!
The lessons themselves are not hard. The hardest part will probably be just committing the time and dedicating to the process. Your mindset will probably have to change and you may have to try some things you've never done before. But it will work for you if you put the work in!
You can still make it work! Just figure out what amount of time you have to dedicate to it and mark it on your calendar as an appointment. Commit to spending 30 minutes a day or whatever it is to the course and you will see yourself making progress. It may take a little longer than if you had more time but you can still complete the course!
