This simple budgeting spreadsheet will help your family get control of your personal finances. It is customizable and adaptable to your specific budgeting needs!
Eliminate money stress in your life & quit living paycheck-to-paycheck

Pay off $10K of debt in a year without living like a pauper
with our step-by-step plan. 

Stranded on the side of the road without a dollar to my name…

I still remember the moment when I realized that I HAD to finally get control of my money…

I had just moved to a small town in Florida and I didn’t yet know anyone.

I had no savings and I had no money left in my checking account.

My credit card was $264 from being maxed out.

I was heading to the bank to deposit my very small paycheck – just enough to pay my rent that was due that day.

And then…

My car broke down.

As it slowed to a halt, I found myself right in front of a minor league ballpark about an hour before game time. I assumed this would be a good thing, thinking that since so many people saw me that surely someone would help.

But no one did.

What was worse was that it seemed like they were all gawking as they drove by.

I felt all alone and helpless.

As I was pushing my car to the side of the road, I was praying that the fix would cost less than the $264 of available credit I had remaining on my credit card.

Sitting in my broken down car, as hundreds of gawkers stared at me and my misfortune, I finally realized that I needed help.

I was living a life of chaos and it all stemmed from my lack of financial understanding and ultimately from my debt.

I was headed in a bad direction and this was just the icing on a bad-day cake.

Then I began asking myself…

What would it feel like:

  • to NOT have the stress of paycheck-to-paycheck living?
  • to be able to handle the unexpected expenses?
  • to have the peace of mind of NOT owing anyone?
  • to have money to start saving for retirement or my kids college?
  • to finally get control of my money?

I had grown up believing that living in debt was just the way it was. I wasn’t rich and therefore I just had to live this debt-ridden life that felt so much like slavery.

It’s no wonder the Bible says the ‘borrower is slave to the lender’.

Somehow I knew that there had to be a better way.
And I began researching the best ways to pay off debt, save more, earn more, and anything else I could learn that would help me break free.

And with that and some crazy faith that it could actually work, I began my journey to tackle my mountain of debt.

As I began trying to pay off my debt…

I realized there were a few slight problems: 

  • I had over $46K in debt that I needed to pay off
  • I was only making about $25K a year at my job
  • I had never been successful at sticking with a budget
  • I was very busy and didn’t have much time to spend on it
  • Most people in my life led me to believe it was impossible
  • I was headed in a bad direction with my money
credit cards stack

But worst of all?

The biggest hurdle by far was that I didn’t have a guide or a plan.

Sure, I had a basic plan – probably the same plan you currently have for paying off your debt: spend less and live like a pauper and maybe in 20 years you can get out of debt.

But just like we all know the basic plan to lose weight is exercise and eat less, we also know that basic plan has helped just about NO ONE actually lose weight!

What I wish I had was a proven step-by-step plan…

from someone who had accomplished the same goal I was reaching for.

But I couldn’t find that.

So, I spent the next couple years of my life creating my own plan and following it.

It needed to be simple, effective, and not require me to live like a pauper. Sure I was willing to make some sacrifices, but I still wanted to live a nice life WHILE paying off my debt.

Eating ramen noodles every day and driving a 25-year old car was NOT going to work for me.

As I began implementing the plan

I had no idea if it was going to work

But it did – and it did VERY well.

We just followed the plan and within a couple years we had paid off $46,000 – with relative ease.

And after the debt was paid off we:
  • saved a 20% down payment for our house,
  • started ramping up our retirement savings,
  • and finally took a real vacation.
All in about a year after paying off the debt.

And honestly, the financial benefits were just the icing on the cake.

The best parts were:
  • the peace of mind that came from owing no one
  • having money in the bank for unexpected expenses
  • having the margin to start a business
  • being able to stop feeling guilty about not being as generous as we wanted

Debt almost destroyed my life

How is it affecting yours?

All this debt we’ve racked up is harming so many areas of our lives:

Our Marriages

As we all know, money fights are one of the biggest stressors on our marriages and they are also one of the leading causes of divorce.

Our Joy in Life

According to a 2007 survey by the American Psychological Association, Money is a leading source of stress for Americans.

Our Physical Health

Multiple studies have found that high debt levels are associated with a wide range of illnesses including ulcers, migraines, high blood pressure, and heart attacks.

Our Money

How are we ever supposed to save for retirement or kid’s college if we have to pay 15-20% interest charges to Visa and Mastercard?

Our Sleep

A recent study found people with high levels of debt were more than 13 times as likely than low or no-debt people to lose sleep at night.

Our Mental Health

According to MedicalDaily, people in debt are 3 times more likely to suffer from mental health problems vs. those without debt.

Do you have what it takes to get out of debt?

Probably tens of thousands will try to get out of debt this year.

But as much as I hate to say it, most will fail.

Perhaps you have already experienced one of these failures?

Maybe you know what it’s like to strike out for your goal with enthusiasm, only to smash into a brick wall time and time again.

You do your very best to get control of your money, but you find yourself another day older and deeper in debt instead.

Maybe you feel like no matter how hard you try, you’re just never going to be able to be debt-free or become financially free.

Does any of this sound familiar?

Don’t feel bad – you’re not alone, and it’s not your fault.

The reason for your frustrated efforts is not a lack of willpower.

The reason why you can’t seem to get out of debt is probably the same reason I had failed.

And it really is quite simple, and even easy to fix.

All you need is a guide or mentor who has been down the path before!

Someone with a plan that you can follow to get the same results they got.

It’s really that simple.

I’d love to be your guide

After going through this process myself and helping others do the same for the last 9 years, I finally created an online class that provides you with a customized blueprint and roadmap for how to get out of debt.

A complete system.

And its beauty and effectiveness lies in its simplicity.

The Plan is simple

Our research has found that a simple plan always yields more success than a complicated one.

While some of the lessons in the class are advanced little-known strategies, the plan is very simple.

In the class there are 3 primary objectives:

  • Show you how to painlessly free up at least $500 in expenses each month (trust me, we will).
  • Help you earn at least an extra $500 each month.
  • Then take that extra $1,000 and show you how to most efficiently use it to pay off your debt.

Introducing The Pay Off $10k in a Year™ Plan

 This simple budgeting spreadsheet will help your family get control of your personal finances. It is customizable and adaptable to your specific budgeting needs!

The Pay Off $10K Plan isn’t just a course.

It’s a master class and coaching system designed to take you by the hand and teach you the principles and strategies needed to get control of your money and get out of debt.

And to provide the accountability and support system you crave.

  • Easy-to-follow lessons? Check.
  • Supportive community of peers? Check.
  • Built-in accountability? Check.

This class is grounded in proven principles and strategies that work.

It’s broken down into simple, step-by-step lessons that allow you to walk through each of the 3 phases of paying off your debt.

  • No guesswork.
  • No reverse engineering.
  • Just follow the plan.
What if you have more (or less) than $10K of debt?

Regardless of how much or how little debt you have, the class will help you make huge progress.

I used the plan to pay off $46K in about 2 years.

Some will use the plan to do far more than that, but the $10k in a year goal is designed to be an extremely attainable goal by any regular person who is just willing to follow the steps in the plan.

What you will learn

Module 1: The Plan

  • Quick orientation of the class and what to expect.
  • Meticulous step-by-step instructions for every strategy you learn.
  • You will download your 3-month accountability timeline to help you schedule each strategy.
  • You will learn how to calculate your financial starting point so you can track your progress.
  • You will learn tips and tricks to make sure you stay motivated throughout the course.
  • You will learn a simple Biblical secret to amplify your progress.
  • You will watch an unscripted conversation of how Bob and Linda have handled their finances and gotten in agreement about their financial goals.
  • You will learn tips for married couples who may have a spouse who isn’t on board.

Module 2: The Save $500/Month Challenge

  • You will learn the process that I use to free up 2-3 hours each week, while saving money in the process.
  • You will learn one often overlooked method of saving thousands of dollars that many students can do in just a few hours.
  • You will learn huge money-saving strategies that work at Walmart and Target and take almost no time at all.
  • You will learn how you can probably save over $1,000 this year just by making a simple tweak to your TV.
  • You will learn the almost guaranteed way to save money if you own a car.
  • You will learn the no-brainer exercise that you must do if you have credit cards that will save you tons.
  • You will learn the most effective and nearly effortless way to save on all your monthly bills.
  • You will learn my simple and quick 3-step process that saves me up to 50% on all my purchases.
  • You will learn how to cut your grocery bill by 30% WITHOUT cutting coupons.
  • You will learn a commonly overlooked strategy that almost every American can use to free up hundreds each month.
  • And a lot more!

Module 3: The Earn $500/m challenge

  • You will get and learn how to use the printable Earn $500 Challenge Worksheet.
  • You will learn the step-by-step strategy that I used to declutter my house and make over $2K in the process.
  • You will learn the essential 7-step process you must follow to get a well-deserved pay raise.
  • You will learn how thousands of pet lovers are making money without any actual “work”.
  • You will learn multiple strategies of how you can make up to $35/hr driving your own car.
  • You will learn what it is like to be a paid grocery shopper and how you can get started.
  • You will learn a foolproof system that one man used to turn his garage sale shopping into $20K/year.
  • You will learn the simple steps of how you can get paid up to $30/hr giving feedback on websites.
  • You will learn how to take your special skills and find customers willing to pay you for them.
  • You will learn how you can get paid to run errands – when you feel like it.
  • And a lot more!

Module 4: The Payoff Process

  • You will learn the most effective and proven method for paying off your debt.
  • You will learn how to save 2-4 hours each month by automating and simplifying the bill payment process.
  • You will learn how to create a budget that actually works!
  • You will get a sneak peak into my personal budgeting system that is years in the making and works wonderfully.
  • You will learn a simple system that you can implement that will help you save 15% without even feeling it!
  • You will learn the pros and cons of pausing retirement savings in order to speed up your debt payoff.
  • You will learn my advanced method for getting a 0% rate on ALL my non-mortgage debt (credit cards, car loans, student loans).
  • You will learn how to handle all those inevitable unexpected expenses that always pop up.
  • And more!

What’s Included?

All of the items shown below are included in the PLUS and COACHING packages.

PO10K-Mockup-Apple-Suite

The entire Pay Off $10K Online Class including over 44 lessons
(25 video lessons).

PO10k-3-worksheets-mockup

5 printable worksheets to help you track and measure your progress.

PO10k-2-worksheets-mockup

Additional downloadable PDF guides to help you track progress and get the most out of the class.

success-stories

An ever expanding library of case studies analyzing other normal people who have paid off huge amounts of debt.

1460592641_Chat-2

We even have an Accountability Program to make sure you stick with it!

Resource-Center-Laptop

The resource center contains 13 advanced training and extra credit lessons to expand on the class content.

“At 55 I thought I knew everything about saving money… Wrong!! During this course I learned several things to save even more money…Thank you so much for putting this course together. I hope everyone who signs up enjoys it as much as I did.”

-Julie W. (PO10K Student)

Resource Center

Included with the PLUS and COACHING packages.

1. Debt Payoff Case Studies

The class contains an ever-growing library of success story interviews with others just like you who have paid off massive amounts of debt. In each one we find out the juicy details of how they did it!

These are people JUST LIKE YOU. Ordinary people who have had success paying off massive amounts of debt.

You’ll learn the exact strategies they used and the results they experienced.

2. My Banking Blueprint 

My strategy for organizing our bank accounts.

We spent years perfecting our system and this PDF template and bonus lesson shows you exactly how they are laid out and how we use them.

3. Online Business Quick Start Interview

Exclusive 30-minute interview with Joseph Michael who built a 6-figure online business on the side in just over a year.

In the interview, we discuss the keys to getting your business idea off the ground!

If you have wanted to start an online business, this is for you!

BONUS: Feed A Child For 2 Months

So while you are working hard through the course lessons, you can smile knowing that you will be feeding a starving child on the other side of the world for 2 months.

We are partnering with a great organization called Feed My Starving Children and 35% of the profits of every course purchased will be sent directly to feed a child – and not for a day – but for 2 months!

How Much Does It Cost?

If I were in your shoes I would be asking:

“Does it make sense for me to BUY a class when I am trying to pay off my debt?”

And while you know your financial situation better than anyone, here are my thoughts…

After you complete just 3 chapters of the course, you will have reduced your expenses by $500/m and increased your income by $500/m.

That is an extra $1,000/m. And it will continue from there.

That’s $12K/year that you didn’t have before!

So the cost of the course is $10,000!  You come out ahead by $2,000!

Just kidding 😉

I have met some other “shrewd businessmen” who wouldn’t be kidding  – cause after all, the student will make the money back, so that should be an “easy sell”.

But, I decided I wanted to take a different approach on pricing.

I want to get the class into as many people’s hands as possible and I know that making an investment in a class when money is already tight can be challenging.

Think about this…
If the only thing the class did was to help you reduce your expenses by $500/m –
that would be worth $6K/year savings – right?

Go ahead, check my math – I’ll wait.  😉

Or if the only thing the class did was to help you earn an extra $500/month –
that would amount to an extra $6K/year – right?

Not to mention the other things this course will help you achieve:

  • Less stress
  • Peace of mind from not owing anyone
  • Less money fights with your spouse
  • Setting a good example for your kids
  • Starting retirement and college savings

100% Money-Back Guarantee!

You don’t even need to make up your mind right now. Just go ahead and get the course today, and try it out.

Take 30 days and if, for any reason, you are not 100% delighted with the class – and honestly if it hasn’t paid for itself many times over – then simply let us know for a rapid, no hassle, 100% refund.

And, just as a way of saying thank you for trying out the class, you get to KEEP the included worksheets and spreadsheets!

“My account has shown currently that I spent over 800 dollars less than this time last month! Even after bills! That’s crazy! And I’ve had more money in my checking account now than I have in months.”

-Taryn F. (PO10K Student)

  • The entire Pay Off $10K Online Class including over 44 lessons (25 video lessons).
  • 5 printable worksheets to help you on your journey.
  • Course overview downloadable PDF.
  • The resource center containing 13 advanced training and extra credit lessons.
  • 6+ Case Studies of other successful debt payoffs.
  • 3 spreadsheets you can download or use online.
  • Accountability Program to make sure you stick with it!
  • Online Business Quick Start Exclusive Interview.
  • Bank Account Blueprint: My strategy for organizing our bank accounts.
  • Step-by-Step exhaustive guide to clean and repair your credit report.
  • Additional PDF guides to help you get the most out of the class.
  • Lifetime Access to all course materials.

  • 3-hour Budget Bootcamp coaching intensive with Financial Coach.
  • 30 days of email support with your Financial Coach.

  • The entire Pay Off $10K Online Class including over 44 lessons (25 video lessons).
  • 5 printable worksheets to help you on your journey.
  • Course overview downloadable PDF.

  • The resource center containing 13 advanced training and extra credit lessons.
  • 6+ Case Studies of other successful debt payoffs.
  • 3 spreadsheets you can download or use online.
  • Accountability Program to make sure you stick with it!
  • Online Business Quick Start Exclusive Interview.
  • Bank Account Blueprint: My strategy for organizing our bank accounts.
  • Step-by-Step exhaustive guide to clean and repair your credit report.
  • Additional PDF guides to help you get the most out of the class.
  • Lifetime Access to all course materials.
  • 3-hour Budget Bootcamp coaching intensive with Financial Coach.
  • 30 days of email support with your Financial Coach.

  • The entire Pay Off $10K Online Class including over 44 lessons (25 video lessons).
  • 5 printable worksheets to help you on your journey.
  • Course overview downloadable PDF.
  • The resource center containing 13 advanced training and extra credit lessons.
  • 6+ Case Studies of other successful debt payoffs.
  • 3 spreadsheets you can download or use online.
  • Accountability Program to make sure you stick with it!
  • Online Business Quick Start Exclusive Interview.
  • Bank Account Blueprint: My strategy for organizing our bank accounts.
  • Step-by-Step exhaustive guide to clean and repair your credit report.
  • Additional PDF guides to help you get the most out of the class.
  • Lifetime Access to all course materials.
  • 3-hour Budget Bootcamp coaching intensive with Financial Coach.
  • 30 days of email support with your Financial Coach.

Why should I PAY for a course when I am trying to SAVE money?

Good question and I have a few thoughts for you:

1. We do it all the time – think college tuition. Many of us happily pay $20-$30K for the off chance that we will get a higher paying job in the future – which doesn’t happen at all for many of us (like me).

This course costs a tiny fraction of that and guarantees that it will pay for itself in less than a month, or you get 100% of your money back.

Try to find a college that would do that!

2. If you can’t devote at least an hour a week over the next month, then I recommend not buying. It is best suited for someone who can devote at least an hour a week to the lessons.

3. If you are behind on your payments, you should probably not buy. While I know the course would be a considerable help, if you are late on your payments, you need to focus on that. We are working on creating specific content for you.

All that said, only you can make that decision, but I would ask you if what you are doing right now is working?

Are you on a path to get the debt paid off?

How much would it be worth to you to get 10K paid off in a year?

  • The entire Pay Off $10K Online Class including over 44 lessons (25 video lessons).
  • The Resource Center containing 13 advanced training and extra credit lessons.
  • 6+ Case Studies of other successful debt payoffs.
  • 5 printable worksheets to help you on your journey.
  • 3 spreadsheets you can download or use online.
  • Accountability Program to make sure you stick with it!
  • Online Business Quick Start Exclusive Interview.

  • Bank Account Blueprint: My strategy for organizing our bank accounts.
  • Step-by-Step exhaustive guide to clean and repair your credit report.
  • Additional PDF guides to help you get the most out of the class.
  • Lifetime Access to all course materials.

  • The entire Pay Off $10K Online Class including over 44 lessons (25 video lessons). 
  • Course overview downloadable PDF.

  • 5 printable worksheets to help you on your journey.

Need all the accountability you can get?

The Coaching Package contains everything included in the PLUS package + the 3-Hour Budget Bootcamp.

This package features our 3-Hour Budget Bootcamp.

(Only 3 spots remaining)

Spend 3 hours and work side-by-side with a veteran Financial Coach who will help you:

  • Get an accurate understanding of your financial picture.
  • Work side-by-side with you to get your budget set-up.
  • Develop a plan of attack to help you stay on budget as you move forward.
  • 30 days of email support for any follow-up questions.

Meet Your Coach
joe-plemon

Joe Plemon is our resident financial coach and he is awesome!

He is a kind and loving retired engineer who truly has a passion to help people get control of their money. He has helped hundreds of individuals and families create workable plans to eliminate the debt in their lives as a certified financial coach since 2006.

 

What does a typical
Budget Bootcamp look like?

A typical Bootcamp session looks like this:

  • Your Budget Bootcamp will be done via phone with your coach.
  • Your coach will spend 30 mins learning about you and your finances.
  • Then you spend the next 90 minutes building your budget.
  • Next 30 mins on Budget optimization.
  • Then 30 mins on what you are going to do going forward.
  • Next, you follow up with your coach with any questions via email.

It Is Decision Time

One year from today, you will certainly “arrive”.

The real question is… Where?

If you wanted to be somewhere different than where you are now, you’ll have to do something different than what you’re currently doing.

Take the first step toward a different future, order today.

Frequently Asked Questions

What if I am Canadian (or from another country outside of the US)?

A few of the lessons include tool and resources that may not be relevant for Canadians, but 90-95% of the lessons should be just as relevant. Other countries may see that more content is less relevant but still most of it should be relevant no matter where you are living. But if you get in there and find that it isn’t, just let us know and we’ll be happy to refund 100% of your money.

How much time will be involved?

Most of the time spent will be in the first couple months and everything should be able to be done in 2-4 hours a week for the first couple months. For the remainder of the year, the plan will be in place and it will be much more on “auto-pilot”.

How will this differ from Dave Ramsey’s Financial Peace University?

Linda and I took FPU years ago and it is a great course that I have recommended often. But there are a few key differentiators that I think will be beneficial for some students:

1. Specific instruction: Due to the one-size-fits-all approach of FPU, it is a bit more generalized in the materials, leaving the student to have to figure many things out on their own. This course is going to be much more specific in the instruction and essentially provide a lot more hand-holding and step-by-step instruction than a program the size of FPU is able to.

2. Focus: FPU is a much more general financial course covering a wide range of topics, whereas Pay Off $10K is designed to help you focus all your efforts into reaching one goal: pay off your debt, and do it in record time.

3. Guarantee: We have a money-back guarantee eliminating all risk to you.

How does the accountability program work?

The accountability program spans for the first few months after purchase and it consists of our team emailing you to check on your progress and keep you motivated to stick with it!

Is paying for an unknown course a good use of resources when I already have existing debt?

The last thing I want to do is try to “sell you” on the course. I hate being pressured to buy things and I like to make good purchases by thinking it through – not being pressured. Additionally, I absolutely don’t want anyone in the course who is not making progress, so the course has a no-questions asked 100% money-back guarantee.

All that said, only you can make that decision, but I would ask you if what you are doing right now is working? Are you on a path to get the debt paid off? How much would it be worth to you to get it paid off in half the time or more?

What if I am debt-free (except the mortgage)?

Students who complete the lessons should be able to easily free up $500-$1000 each month, assuming they are at least close to the median U.S. household income (~$50k year). In your case, since you don’t have any debt, you would be able to increase the amount you can save for retirement, kid’s college, or get that mortgage paid off a whole lot faster.

Why do I need to pay for it?

Running SeedTime.com is my full-time job and just like any other organization we have plenty of expenses and salaries to pay. And we all like to eat and live indoors with our families ;), so we are charging for this course, but as you probably know 99% of our content is free.

Additionally, if a student does even 5% of the work in the course, it will pay for itself many times over.

How hard will it be?

Well it is definitely going to be work, but absolutely nothing unreasonable. And honestly if you can just devote the time to it, I think it actually will be pretty easy because we have the plan and steps laid out for you. All you have to do is just follow the plan!

What new information will be provided that is not already free on the web?

Just like anything else there probably is some of it that you can find for free. But I have geeked out with this stuff for the last 10 years of my life and my approach and plan that I have come up with over these years is unique and I have yet to see it elsewhere on the web.

How is this different from other courses?

The unique thing that this course offers is a very personalized and specific approach. For example, one lesson is specifically about how to free up hundreds of dollars a year by making a simple phone call to your utility companies. The lesson will cover the step-by-step process of what to do, what to say, etc. So, bottom line, it is a LOT more specific action steps than the more generalized courses.

What if I am limited on time?

If you are limited on time, then you may not be able to reach the $10,000 payoff in a year but even with just an hour a week, if you complete all the lessons in the Save $500 module, you should easily be able to free up $500/month.