Your money goes up in smoke! You are unable to say where each and every dollar you spent went in the last week or even in the last three days. The lack of money is not always the source of financial problems, but the absence of a budget is often the cause of many difficulties. When you can see where your money goes, it is possible to be creative and find solutions that were previously unimaginable.

▪ Personal financial balance sheet
▪ How budgeting works?
▪ Budget planning
▪ Debt repayments and indebtedness
▪ Good consumer’s habits
▪ Etc.

But why do some people have better financially success than others? Because they are ready to change some behaviours and therefore, achieve their goals. They spend their money wisely; they save and invest in assets that provide a good return on their investments. They spend a little time and energy to get the required information that can enrich themselves. Take the first steps now towards the realization of sound management of your finances!

▪ Informed consumer’s philosophy
▪ Save money without deprivation
▪ Financial concepts
▪ Ways to invest your money
▪ Basic income tax knowledge
▪ Etc.

You want to invest in the stock market, but don't know how. Investing in the stock market is a process that may seem complex, but once understood, is not so complicated. Ordinary people make money from the stock market. It’s not only for financial magnates. There are those who profit from the stock market, those who observe it without taking any action and those who do not even know it exists. When properly managed, this activity can put you on the path to prosperity for the rest of your life.

▪ The Stock Market – How does it work?
▪ Search tools
▪ How to negotiate shares, exchange-traded funds and mutual investments funds?
▪ Income statement and balance sheet analysis
▪ Adapted approach of your own situation
▪ Etc.

“The New Evolution Budget Manual” is not a guide to survival or deprivation. It is based on personal self-awareness, satisfaction and free choices. The manual is designed to facilitate and improve the quality of life for each of us. It will allow you to know exactly your monthly cost of living, which will facilitate the identification of your obligations and financial responsibilities.

The manual includes tables to gather your own budget data for a period of three years. You will avoid situations where you may spend all your money before earning it. When well understood and respected, a budget becomes a powerful tool for all those who wish to increase their financial comfort.

With this reading, you will understand that spending your money more efficiently and without disturbing your lifestyle, you will eventually get richer. Consider this... with the same income, one builds a colossal fortune of several million dollars, another lives pay cheque to pay cheque, and the third one runs into personal bankruptcy. It all depends on which direction you choose to take, based on your personal choices.

By maximizing the value of your money, you will achieve the dream of millions of people who will never lift a finger to achieve their financial goals. Improving your financial situation… YES it’s possible!