Bill Mackay



TOP 10 IDEAS BEHIND
SAVING
Is for Suckers
   
 

1. DON’T ‘pay yourself first’, second
(or ever) any fixed percentage of
your income.

2 NEVER cut your total spending by any fixed amount.

3. STOP saving (and don’t start) until you have eliminated high interest debt.

4. SHIFT more spending to your Passion Absolutes.

5. PLAN deficits for limited periods to build your dream.

6. FINANCE dreams with term loans until saving will yield a greater ROE.

7. SAVE only when you are
emotionally ready.

8. BALANCE your spending: income ratio with the evolution of your lifestyle.

9. OPTIMIZE the lifestyle contribution of every dollar spent.

10. SPEND your way to living your dreams and enjoy a better lifestyle today.

Get the book and discover
why these ideas make sense.


TABLE OF CONTENTS
   
 

Acknowledgments / v
Introduction / 1
Spending on Purpose- Key Concepts / 8
What’s Money Got to Do with It? / 13
Five Reasons to Spend on Purpose / 23
Spend on What’s Valuable / 31
Buy What’s Affordable / 57
Sustain Your Lifestyle / 73
Analyze Your Spending / 85
Revalue Your Spending / 105
Allocate Your Spending / 123
Stay on Course / 141
Ensure Your Lifestyle / 149
Bibliography / 165
Index / 167

 

What Price Happiness?
Discover the Answers Here to Creating A Better Lifestyle

THE BIG IDEA | THE AUTHOR | THE BENEFITS

THE BIG IDEA
This book presents a radical twist on budgeting based on … spending your way to living your dreams. That’s not as revolutionary as it sounds because while others dutifully counsel saving it’s a failing strategy. For many, saving is a myth. Spending is our path to happiness with debt as our help mate. We want it all and we want it now.

With that as the challenge I offer the only book on budgeting that embraces our culture of debt and gives people a relevant new way to manage the credit-based spending their lifestyle depends on.

WHY IT WORKS
It works for 3 simple reasons.

1. I adopt our natural inclination to spend (not save) as the strategy to create a better lifestyle now and in the future.

2. It’s a no guilt way to start because that’s where people are…not in some wonderland where financial planners think we ought to be.

3. It eliminates the negative elements of a traditional budget…its sacrificial focus on everything you can’t have. Most of us reject this approach and it becomes a great excuse not to budget at all.

HOW IT WORKS
My approach focuses on what you really value and can have to live your dreams right now. You drop all the old expense files …like housing, utilities, transportation, insurance … and track your spending in a new way that reveals the motivation behind what you buy. That’s easy to figure out.

 Doing it once may be all you need because this insight into what are often hidden motivators allows you to refocus your spending on your dreams and aspirations. Now your spending has real purpose…on those vital few things that matter most, not the trivial many that matter least but consume the bulk of your income.

This cash management is critical…it’s the key to successful saving, investing, and retirement. Nothing can take its place. You’ve got to get this right.

THE AUTHOR

 Bill MacKay is a veteran business consultant and past investment advisor. MacKay coaches Fortune 500 sales and management teams using techniques that have changed the way people develop and motivate others to reach personal and organizational goals.

THE BENEFITS

In just one try, you’ll be confidently spending your way to living your dreams right now. And the results of Spending On Purpose may be all you will ever need to change years of old habits that fail to make you happy.

No more slash-and-burn budgets that eliminate the very freedom you love – to have and do what gives you pleasure. And guess what? No more lost hope that you can save for retirement. You really can. And along the way, you can retire your debts, too.

Veteran business analyst and respected consultant to Fortune 500 companies Bill MacKay has created the first major innovation in decades to get more from every dollar of your income. It starts when you discover how to use six emotionally – driven categories to organize your spending… the good, the bad, and the really wasteful.

More good news: those wild and crazy buying impulses that lead you into debt and deplete your money can be managed. It’s easy when you get working on what you really want out of life, because it’s not about more stuff.
The author’s experience as an investment adviser, coach, and educator shines through in this practical approach that – before you finish this book – will have you committed to realizing the dreams you can sustain. That’s security you can count on.

Apply Spending On Purpose to your lifestyle challenges. Bill will show you the way to get more for less while safely creating what you really want most – lasting happiness and a meaningful life — while you’re still healthy enough to enjoy them.

You have never read anything like this before. That’s guaranteed. It’s the attitude shift and motivation you want to make good on your lifestyle promise. Even if you’re not-so-rich, you can still be happy.

Click here to Order Book

 

 


Home | About The Book | Bio | Blog | Ordering | Media | FAQ | Contact

© 2008 Bill MacKay. All Rights Reserved.