Bio

Bill MacKay Creates Personal Budgeting Breakthrough for The Not-So Rich

My Credentials		Here are my credentials stripped of the usual puffery. I have traveled, lived, and worked in the U.S., Canada, and Scotland. I consult primarily with senior management. With a B.A. (Economics), experience as a stock broker, and past owner of a small distribution company I have a working knowledge of cash flow management, credit management, saving, and investing.

Now, What's Important		What I knew how to but didn’t do (budgeting) and had no interest in doing (saving) is what is relevant to this book. Their absence created a lifestyle problem that was the catalyst for my successful experiment to find a solution (Spending On Purpose). This should be some consolation to those who find themselves like I did at midlife with little in the bank (the problem), spending habits (yours or a partner’s) that escape an honest scrutiny, and a lifestyle you don’t really want.

Budgeting		I tried but couldn’t shoe-horn our lifestyle expenses into the traditional budget pigeonholes and keep them there. Neither my wife nor I liked the limitations on spontaneity that budgeting demands. And with both of us busy, it was easy to ignore.

Saving		We were raising a family and establishing a business. And we wanted it all! Saving had to get in line behind what really mattered more. Why worry? Our education gave us the confidence that we could always earn a living.

Retirement		I remember my father retiring with a modest pension. But his situation never really touched me enough to change my behavior. I was an entrepreneur creating my own reality.

The Crisis		Unexpectedly, midlife arrived. With it came a diagnosis. My wife had cancer. Within two years she was gone.

The Lesson		The experience of the years that followed gave birth to the insights and process I share with you in SAVING Is for Suckers. The book’s subtitle, Unless You’re Spending On Purpose, captures the real essence and spirit of what I learned.

Summary		In summary (now a little puffery), Spending On Purpose works. It may not be the solution to all your problems but it provides a new way of looking for the answers if you’re still searching for a better lifestyle.

Learn		Learn and benefit from my failures without spending a fraction of the time and money on the way to realizing your lifestyle dreams. Click here to Order Book
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