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At Budget Stretcher Premium (BSP) my goal is to provide you with the most up to date information regarding all aspects of managing your money and making your paycheck stretch as far as it can without sifting through all of the advertising.

I want to caution you that it is very easy to feel overwhelmed when surfing BSP. There is so much to see and it's hard to decide where you should start. That's why I have listed the common starting points here, on your home page. Please, just take your time and work your way through. There will be plenty of time to view everything.

Most of your Member Benefits are located on your Member's Resources Page. After you have completed the steps here you can find thousands of resources there.

As a Budget Stretcher Premium Member you are given priority when you contact me with your comments and questions. When you contact me please indicate that you are a BSP member and I will respond within just a few hours. You can contact me using this link:

Contact Grandpa Terry
Or Copy & Paste:
tre2000@budgetstretcherpremium.com

Each page of your Premium site (not including form pages) contains a left navigation system to allow you to find exactly what you are looking for. Some of these pages are on the BSP website and others are links to other resources that can provide what BSP can't. I've already done the surfing for you! All of these resources are free with your subscription.

Let's Get Started...!

The first thing I would like for you to do is get acquainted with the Budget Stretcher System. In order to do that you can enroll in my 8 part Premium email course "Premium Beginner's Guide To Budgeting".

Course Content

Part 1 - Introduction - Immediate
Part 2 - Yes, You Can Budget! - Day 2
Part 3 - Starting Your Budget - Day 4
Part 4 - Setting Up Your Bill Organizer - Day 6
Part 5 - How To Save Money Everyday - Day 8
Part 6 - How To Manage Big Money Problems - Day 10
Part 7 - Paying Off Your Debt - Day 12
Part 8 - How To Make Your Budget A Routine - Day 14

 Please use the below form to get started:

Enroll In The
"Premium Beginner's Guide To Budgeting"
Email Course

Name
Email

Listen To My Audio Article
7 Ways To Beat The Debt Collector

This audio presentation will explain the concept of Total Money Management and the 7 Steps to controling your finances.

Mandatory Reading!

"How to Get Motivated, Change Your Life, and Start Living in 11 Simple Steps." (PDF)
Sometimes the only thing we need to get our finances on track is the motivation to get started. This 34 page ebook by the top motivation experts at the Early To Rise Newsletter. I highly recommend that you sign up to receive this daily newsletter to help you stay motivated. Sign up at http://www.earlytorise.com/

LEARN THE SECRET TO MANAGING YOUR MONEY!

Put More Money In Your Paycheck!


If you are an employee in the US and receive a tax refund greater than $1000 you would be wise to get this money in your paycheck throughout the year. You can do this simply by completing a new W4 form and give it to your employer. This is perfectly legal and strongly encouraged by the IRS. You can learn more by reading my article Get Your Refund In Your Paycheck.

  • Form W4 - Employee's Withholding Allowance Certificate (PDF)
    Fill out and print this form to update your exemptions for Federal Withholding.

  • Form W5 - Earned Income Credit Advance Payment Certificate (PDF)
    Fill out this form to request that a portion of your Earned Income Credit be added to your regular paycheck.


    • Determine and Track How Much You Owe


    It is extremely important that you know how much debt you owe at any given time. I have developed a calculating form in Excel. The form is pretty much self-explanitory but if you have a question you can contact me. Here is the link to the form:

    Download Debt Tracking Worksheet
    (Right Click and Select "Save Target As")


    Download The Bill Pay Management System

    Next, you can download my "Bill Pay Management System".

    These forms will help you get control of your bill paying and checking account. They are easy to use and do all calculations for you. I highly recommend that you download one of the below versions immediately:

    Download Excel Spreadsheets Version

    Download Microsoft Works Spreadsheets Version

    Setup Your Budget

    Now, it's time to set up your Budget using "The Complete Budget and Bill Organizer". You have two options to setting up your budget. You can either use the paper method using my print forms or set it up on your computer using my calculating budget forms. You will find everything you need at the below link:

    Access The Complete Budget and Bill Organizer

    Access Printable and Calculating Forms

    Easy Tips To Pay Off Your Credit Cards

    For most people credit card debt is their biggest problem. What makes it worse is that many don't have the extra money to add to their minimum payment. Here are a couple of quick tips to help you pay down your credit cards with little or no extra money.
      #1 - Pay the minimum payment on all credit cards except one. (You can choose the one with the highest interest rate or the lowest balance)
      #2 - Pay as much as you can on the designated credit card. Even if you can only pay the minimum payment this month continue to pay that amount. (example: This month's payment is $40. Continue to pay $40 even though the payment decreases.
      #3 - Apply any money wind falls to pay off your designated credit card.
      #4 - When your designated credit card is paid off apply that payment plus your minimum payment on the next card and so on.
    Learn More About Paying Off Your Bills

    Request Your Debt Elimination Summary

    After you have your budget set up and you know exactly where you stand financially, it's very important to get your debt paid off as soon as possible. As part of your paid subscription you are entitled to submit a request for a free Debt Elimination Summary that will provide you with the quickest and easiest way to pay off your debt.

    I have developed an easy to use form for this purpose. There is no need to submit account numbers or any other private information, just the type of loan, name of the creditor, amount owed, interest rate and minimum payment.

    Submit Your Debt Summary

    Order Your Three Free Credit Reports

    By federal law, every American is entitled to one free credit report from each of the three reporting agencies each year. It is absolutely necessary that you order your reports, find out what's there and dispute anything that is incorrect. Use this link to request yours, TODAY!

    Order Your Credit Reports

    It's important that you fully understand your credit score and how it's determined. There's no better way of doing this than from the horses mouth FICO (Fair Isaac Corporation). Download Understanding Your FICO Score (PDF) now and read it thoroughly.