Welcome! If you’re reading this, then you are ready to build financial strength!
With your membership to the Financial Strength Builder™ (FSB) you’ll be able to take advantage of our simple, step-by-step process to get your finances under control and start saving some serious money to build financial strength! FSB is designed to help you change your relationship with money, make more of it, spend more efficiently and be much clearer about how it can be a true asset vs. a nagging liability in your life.
Whether you are experiencing specific financial challenges or confused over next steps to take, you’ve come to the right place! If you DON”T have a 3-5 month cushion of savings and/or are living paycheck to paycheck then this program can empower you to improve your financial life through a unique blend of coaching, education, behavior and money saving tools.
Understand that the FSB is a program that’s unlike many others in that we focus on fundamentals. Much as in sports, if you have poor fundamentals everything else performs inconsistently without the desired results. FSB is about fundamentals and helping you build in a step by step process that changes the way you’ve handled your credit, debt, savings and financial goals.
The core objectives of the program are:
- To establish a smart financial management process for your budget and how you make financial decisions.
- To create an unplanned events fund for emergencies and, well, unplanned events.
- To save 3-5 months of living expenses.
- To help you find daily, weekly, monthly ways to save more for your goals and emergency fund.
- To improve your credit and get to at least 700. The higher the better. We’ll work with you to show you the best ways to get your credit in superior shape. The time to do this will vary based on your situation.
- To reduce your debt. Your FSB Advisor and our FSS tool will help you see the optimal level of debt you can carry based on your income and other expenses. Ideally, eliminate the debt with the possible exception of your home. We’ll show you different ways to do this so you can choose what’s best for you.
Here’s how the program works:
1. Weekly Emails
Now that you have subscribed to the FSB, you will have access to a 12 point Rapid Results roadmap to guide you through the financial maze using our proprietary tools like the Financial Strength Score™ and the Frugality Game™. You’ll begin to receive our weekly emails directing you to different areas of the program to build your financial foundation and grow from there.
2. Financial Self-Test for Success
You’ll be amazed by the sense of relief you’ll feel when you finally understand your money personality and your relationship with money!
3. Get your Financial Strength Score™ (FSS) Assessment
This assessment will give you an accurate idea of where your finances are today. The FSS compares your current spending habits to recommended target spending amounts. Find out what you should be spending on categories like, rent/mortgage, transportation, food, clothing, etc. Your credit score (which is what we always hear about) is all about the banks and reducing their risk, whereas the Financial Strength Score™ is all about you, your security, and your ability to withstand unplanned events! After you’ve listed your income and lifestyle in a structured format, the Financial Strength Score™ creates a personalized plan for achieving your long term financial goals.
4. Play The Frugality Game™
The Frugality Game™ is a fun way to record and manage your finances. Before you know it, you’ll have a personalized budget and tools to help you save money each month! You’ll quickly become addicted to this interactive game. This unique money management tool provides entertainment and education while helping you and your entire family think about the spending choices you make on a daily basis. While you “travel” through each level of your financial awareness, you’ll both learn and save and your prize will be more useable income.
When you signed up for FSB™, we automatically created a Frugality Game™ account
for you. Your password was included in your welcome email.
5. Log in to the FSB Rewards Plus program
The Financial Strength Builder™ Rewards Plus program offers dining, shopping, travel, recreation and service discounts in your area. There are also grocery coupons, savings calculators and merchant referral services. Save money by taking advantage of these great offers. Try it out. Take a tour of the Financial Strength Builder™ Rewards Plus program to see offers on groceries, travel, retail, dining and recreation. FSB members enjoy savings of up to 50% at thousands of dining establishments, whether you’re looking for a fine restaurant, a fast food joint, a dessert parlor, or a catering business.
6. Work with Your FSB Advisor
One of the fundamentals of FSB is that we believe that to make significant changes in your life, financial or otherwise, you need to have a team and/or a partner. Going it alone will take the longest and has the rougher road. There are really no individual sports in life. All athletes have trainers and coaches and the most successful business people align with advisors and coaches. Why shouldn’t you?
If you’re truly committed to achieving rapid results, and are not yet working with a FSB Advisor, consider using the services of one today. Pay just a little more and get a lot more results by starting with a private hour over the phone to walk through your goals and how to use our program to achieve rapid, optimal results. If you want somebody by your side, to resolve financial stress and uncertainty, our Advisors are here to support and guide you to success.
Your FSB Advisor will help you work through virtually any core financial issue and can then follow-up with you whenever you want. If you go this route, we’d recommend setting up more sessions for at least the next few months to help you achieve your goals.
There you have it, The FSB Program. Now go activate your financial strength
Regardless of where you are, your opportunity is here to improve your situation and the satisfaction that comes from knowing that you are in control of your money.