A New York Times Best Seller!

America's Cheapest Family
Gets You Right on The Money

Your guide to Living Better,
Spending Less and Cashing in on Your Dreams!

Managing Household Finances Kit

Audio Seminar

(CD Kit—Mailable or MP3—Instantly Downloadable formats)

Tens of thousands of families have found this book to be the easiest to apply manual on personal finance and household budgeting. In the book you'll learn how we managed our modest income, paid off our first home in only 9 years, took great family vacations, paid cash for all of our cars and raised five MoneySmart kids.

We go through just about every household budget category and share how we manage each expense and save tons of money.

Chapters include:

Chapter 1: America’s Cheapest Family

Chapter 2: Groceries — Savings By the Bagful

Chapter 3: Budgeting — The Cornerstone of Family Finances

Chapter 4: Cars — Cutting Car Costs

Chapter 5: Housing — Home Sweet Home

Chapter 6: Utilities — Shut the Door, Turn Out the Lights

Chapter 7: Debt — The American Dream turns into a Nightmare

Chapter 8: Medical Expenses — Keeping Your Body Healthy and Your Wallet Happy

Chapter 9: Clothing — Looking Better, Spending Less

Chapter 10: Entertainment and Recreation — Having Fun While Spending Less

Chapter 11: Vacations -- Without Debt Regret

Chapter 12: Kids and Money — Teaching Kids about Money Isn't Kids' Stuff

Chapter 13: Savings and Investments — It's More Than Just Money in the Bank

Chapter 14: Attitude is Everything

Chapter 15: The Final Pay-off

Listen to this life-changing two-hour audio seminar where Steve & Annette Economides reveal dozens of money saving tips and the single most powerful tool they've used since day-one of their marriage, to save money and live debt-free. If you apply the strategies they share, this seminar kit will pay for itself many times over.

Topics Covered Include:

• What a working budget is and how to set one up for your family
• Buying and maintaining a house
• Saving money on utilities
• Simple money-saving Grocery tips 
• Strategies for buying and maintaining a car
• Insurance strategies
• How to manage and eliminate debt
• Inexpensive recreation ideas
• Great vacation strategies
• Saving on clothes
• Getting smart about medical care and expenses
• How to build savings
• Managing Miscellaneous expenses
• Dealing with Pets
• Controlling Gift Expenses
• Paying for Kids' Activities
• Audience Question & Answer Session

Audio Excerpts

The Mailable CD-Kit includes:

• 2 CDs with 120 minutes of money-saving ideas.
• Seminar outline and notes booklet
• Income / Outgo Worksheet
• Debt Repayment Sheet
• Guideline Budget Sheet  

NOTE: Please allow four to six weeks for delivery. This kit includes seminar cds, three worksheets and several downloadable resources. See bottom of this page for more details.​

The MP3 Downloadable Kit includes:

In this downloadable audio seminar kit you will receive:

• 120 minute .mp3 file of the seminar audio.
• Seminar outline and notes booklet
• .pdf sample Chore Chart
• .pdf Envelope Ledger (for kids' money envelopes)
• .pdf Wish List
• .doc Wish List (can be personalized)
• .pdf Time Card
• .doc Time Card (can be personalized for your fa mily)

Managing Household Finances
Audio Seminar Kit Cost:

• CD Kit - Mailable $20 (US) per kit 
  (Plus $2 S&H) Order Here
• Instantly Downloadable MP3 Kit - $10 
  Order here

Great Money Management Tools

Every successful business utilizes a system to manage earnings and spending—a money management system helps businesses stay profitable. Every family should do the same thing. Is your family turning a profit, breaking even or going in the hole? If you don’t have a system for tracking and spending your money (a Budget . . . and we're not talking about a noose around your neck or living a life of deprivation) then check out that chapter in our first book America’s Cheapest Family Gets You Right On The Money. We’ve been told that it is the simplest and easiest budget system most people have ever read about and it is the single most powerful tool we have used to reach our financial goals . . . it helped us pay off our first house in just 9 years, pay cash for all of our cars and control our other living expenses so that we always have an excess.

We keep track of our expenses the “old fashioned” way with pencil and paper as described in our first book and in this article on our website (for website subscribers). Basically we put our money in a checking account and record every expense in our checkbook. Two times each month all of the expenses are transfered to 20 different budget category sheets. Some of our categories are: Mortgage, Food, Clothes, Insurance, Medical, Home Repair, Pets, Recreation and more. Every expense has to come out of one of the budget categories. And when we add up all of the individual account totals it equals exactly the amount of money in the checking account.

This budgeting tool was what enabled us to pay off our first home in 9 years and to pay cash for all of our cars. It really works!

Computer Budgeting

If you’re more into computer-based budgets, you might want to consider  Mvelopes.com. This is the best computer-based budgeting system we’ve seen. Mvelopes uses the same system we describe in our book. It's better than Quicken and MS Money, both of which only track your spending after the fact. Mvelopes helps you save money in advance of your purchases. That's exactly what we've been doing since 1982.

The cool thing about Mvelopes.com is that you link it your bank account(s) and whenever you spend money it is recorded in the Mvelopes.com program. You don’t have to enter an expense, all you have to do is tell Mvelopes which budget account the expense should be applied to. Friends who have used it say:“I’ve been able to cut my expenses by 15 percent by just knowing where all of my money is going.” And another said,“It was a little hard to get the accounts set up the way we wanted them, but once we got that done, it worked better than our old excel spread sheet.” 

Mvelopes.com is also recommended by David Bach, author of the Automatic Millionaire and by Crown Financial Ministries.

If you’re still not sure, you can try MVelopes.com for f*ree for 14 days. Your costs after that will be between $8 and $14 per month depending on how you set up your payment. You’ll easily save the cost of the program.

If you want to try a totally f*ree budgeting system check out Mint.com. Their budget system is the standard, track what you spend after you’ve spent it, but it doesn’t allow you to save in advance for purchases.

There are three good things about Mint.com:

1. It’s f*ree;
2. Based on your spending they’ll send you alternate sources for things like cell phone, car insurance and groceries. 
3. Similar to Mvelopes.com you link your bank account to Mint.com and it records your spending — all you have to do is allocate each expense to a particular budget category.

More important than which program you use—paper, Mvelopes, Mint or something else—is the discipline of regularly consulting and updating your budget. A budget is only effective if you regularly refer to it and adjust your spending according to what you have to spend.

For our family, our budget has been the single most effective money saving tool we’ve ever used.

We've been told by many people that our first book,America's Cheapest Family Gets You Right on The Money has one of the easiest to understand and impliment descriptions of how to set up and maintain a working family budget. Plus we show you how to save money in just about every category of a typical family household budget.

Make this year the year that debt is completely and totally eliminated from your life and replaced by a healthy, positive balance in the bank!

Family Budget System Kit

We are in the process of creating a complete budget book system — exactly the same as what we've used to manage our finances for many years. The kit will include a budget binder, instructions for setting up and maintaining a realistic household budget, calculator, budget sheets, guideline budget tools and much more.

COMING SOON!