TODAY WE LIVE in a society driven by financial excesses. Total consumer debt in the United States exceeds 1.7 trillion dollars.1 In the early nineties, according to the Economic Policy Institute based in Washington D.C., the average household debt was a staggering 80 percent of annual net income. Today, that number has grown to an unbelievable 109 percent.2 The number of those seeking protection from creditors through personal bankruptcy is growing at an alarming rate.
The resulting stress has severely impacted families. Studies show that financial issues are the number one cause of contention in homes and the number one contributor to divorce.
The good news is that despite the worrisome financial dynamics of our complex society, there are now tools available to help reverseâ€”or all together avoidâ€”the downward cycle of debt, daily financial stress, and frustration. Here is the story of a couple who were able to change their life and successfully set their course in the direction of financial freedom through the use of a remarkable tool especially designed for use in todayâ€™s financial world.
Ryan and Christine Richardson once enjoyed a solid relationship. They were educated, had a good income, and were focused on successfully raising a family. situation, they had allowed financial stress and frustration to erode their happiness. Finally understanding the direction they were headed, Ryan and Christine decided to change their financial course.
Through an experienced certified financial planner, the Richardsonâ€™s are introduced to MvelopesÂ® Personal, a revolutionary spending management system. As they begin using this unique system, they learn about spending management principles that have been used for decades by individuals who have sought and successfully achieved the happiness that comes from being financially free. begin to understand the reasons why they, and so many like them, find it difficult to live within their income, stop accumulating debt, and build a solid financial future. With use of the Mvelopes Personal system, Ryan and Christine are able to stop overspending and begin rapidly eliminating their consumer debt within twelve weeks. While Ryan and Christine are fictional characters, the financial dilemmas they face are based on true-life experiences of many people. This book will captivate those seeking a blueprint for achieving long-term financial wellness.