Saturday, May 14, 2011
Mortgage-free Living
A review of the Money Merge Account System
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We are living in our third house now, and that means taking out a new mortgage - 30 years out- for the third time. It never seems like we can get ahead, especially when each house we move into is more expensive than the last, and our down payment still dictates that we will need a full 30-year mortgage.

Do you ever feel like we do?  That you'll never get out from under a house debt, and actually start using your money the way you see fit?
Six months ago Richard and I were introduced to the money merge concept.  What is it? It's a financial system that manages your money and finances for you, making your money work for you, and not the bank.  Without increasing your mortgage payment it shows you step-by-step how to pay off your mortgage in a fraction of the time. The average family will never pay off their mortgage because they won't live in their home for the life of the loan, or they'll  continually use the home equity to pay off their bills. When you  do that you reset the clock.  You move and buy a new home and the clock is reset again.
The financial experts have figured a way, using known mathematical principles, to leverage the money that normally sits in your checking account and use it to pay off your mortgage at a more rapid rate.  Richard and I have been on the system for over two years, and not only have we paid off our car loans, paid for the upfront costs of the system (a one-time fee for life),  purchased drapes and blinds for our new home, but we've been able to take a seven day vacation to Cozumel where we will made family memories that will last a lifetime.  All within a year-and-a-half of using this system.
Most people take out a standard 30-year fixed rate mortgage.  30 years!  It'll take 30 years to pay off your home if you never reset the clock.  What if you could pay it off in 7.33 years?  Sounds crazy?  It's not. If you follow the system, the results are guaranteed or they'll give your money back.  Think of what you could do if your house was paid off in 7 - 10 years.  You could save for retirement and let the money grow exponentially by allowing the snowball of interest work in your favor rather than against you. 

Our kids will be going to college in a few years.  Without a mortgage we'll be able to pay for their college tuition without having to take out a loan.  Skeptical?  We were, so my husband Richard researched them online.  We found studies from major universities validating the methods and the math.   It's been documented.  Don't take our word for it.  Do your own research then come back to this site and watch the videos.

One of the main reasons for beginning this website was to help larger families provide a good living for their families.  By far your home is your biggest expense.  If you pay it off the way you are accustomed you will pay the value of your home in interest alone.  You own a $250,000 home? You'll pay that in interest in 30 years.  By using the money merge account method (HELOC System) you will save 2/3 of that interest.  You'll put over $180,000 of interest payments back into your own pocket where it belongs. Think how different your life would be, how it would improve every facet of your life if you did not have the pressure of a mortgage hanging over your head.  

Let me be honest with you about one thing.  To make this system work for you, your family must be disciplined in how you manage your expenses.  You must have a real idea about how much money you spend throughout the year (ie, Christmas time, birthdays, vacations, back-to-school expenses, etc), and be able to have some money left over after your budgeted expenses.  If you have no idea about your yearly expenses, then before looking into this system, you should sit down and get a working budget that is a realistic picture of your average expenses.
If you already do have the discipline to stick to a working budget, (and you have a realistic picture of your monthly expenses), then you definitely are ready to take the next step and seriously look into the money merge system.  We did, and our 30-year mortgage that we took out three years ago, has been reduced down to 7.33 years....providing nothing changes with our financial picture!
If this system sounds like something you'd be interested in pursuing, or at least find out more information on from a professional, then please feel free to complete the following Contact Form, which is nothing more than filling in your name and email, and in return we will send you an email back with a financial advisor's name, email, and phone number, and let you decide to get in contact with them on your own.  You will also receive a link to the UFirst Video which will explain in detail just how the system works.

Interested?

CheaperByTheHalfDozen commits themselves to honesty and integrity, and will NEVER sell an email address to anyone, and promises NEVER to spam any contact with unsolicited garbage. 

Entering a name and email in this Contact Form ensures that we will send you information about a financial advisor who can further help you make a decision regarding your mortgage payments.  In that email you will also receive a link to a video that will completely explain how the system works.



  If you filled out the Contact Form, then in the next 24 hours you will be provided with information about someone who will answer your questions, send you more information explaining the system, provide research notes and more.  You will not be pressured into signing up "right now before I go or this won't be available to you again."  I hate it when salesmen get into your home and pressure you like that.  (I'll never let anyone test my water again!)

  You'll get information and then you'll have to decide for yourself.  It's hard to write everything down on a website.  If you'd like to talk with us (NO, we are not agents. We are people just like you trying to raise a family on an average wage) feel free to call us:  1-302-358-1739 Monday - Saturday (9am - 5pm).

This kind of help can completely change your life for the better!
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