Borrow Smart Repay Smart
“CALM” Your Borrowing Process Minimize College Debt Reduce All Debt Faster
["CALM" stands for Cash and Liability Mastery™ created by Todd Ballenger, CEO, Kendall Todd]
Complimentary Borrow Smart Repay Smart Analysis Report
Cash and Liability Mastery Process Integrated with Borrow Smart Repay Smart
Manage Cash – Step 1
Focusing on cash flow awareness, not budgeting, we work with you to capture all your current income.
We’ll compare it to your expenses, and you will learn about your lifetiime earnings, your net after tax hourly income, your positive or negative cash flow, how much of your lifetime earnings you have saved.
We’ll identify opportunities to increase cash and cash flow in your life.
Our Coaching program not only addresses college planning strategies but focuses on how to improve how you manage cash flow but also how you borrow.
Borrow Smart™ - STEP 2
We’ll review your current strategy for Borrowing – whether it be for new current need to borrow, or simply a review of how you previously used cash and borrowing to accomplish specific goals.
We’ll review present borrowing to make sure you are borrowing in the most efficient way possible; identifying further current opportunities to increase your current cash flow.
Repay Smart™ -
Once cash and cash flow is found, the question becomes whether to use that cash flow to repay current debt or increase current savings.
First we’ll review your current strategy for Repayment – calculating the number of remaining payments, interest expenses, and your expected debt free date.
Finally, using our EPR™ analysis we’ll create a plan which identifies which debts should be paid off now or in what order to further increase cash flow for increasing your savings.
Save Wisely™ -STEP 3 -
At this point, we’ve reviewed cash and cash flow for opportunities, we’ve reviewed current borrowing, and identified cash and cash flow savings opportunities.
We’ve created a plan for the repayment of higher interest rate debts, and set target debts for future repayment to modify your future debt free date to meet your personal goals.
We’ll provide you a summary of what we’ve done with the available cash and cash flow that can be put to work towards saving wisely for the future. The rest is up to you…
Borrow Smart Analysis Software Simplifies The Process
Finally, since Todd Ballenger and I published our initial book about borrowing, Borrow Smart Retire Rich, proprietary software “Borrow Smart Analysis” has been developed, tested, and refined to provide numerical proof while you make choices regarding managing liabilities into assets.
You can download a 3 Chapter preview of the book Borrow Smart Retire Rich in our Free Resource Library.
Sign in by clicking registration area below and gain immediate access to 3 Chapter Preview of Borrow Smart Book and our Free Resource Library with 8 Free Content Offers regarding College Planning and cash flow.
Or you can learn more about Jim Kuhner, Certified Liability Advisor through Borrow Smart University and personally mentored by the creator of the Borrow Smart Software.
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Jim can be contacted by phone 817-600-0576.