Testimonials

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"Creative Cash Control saved my life"

I used to keep myself up at night worrying about how I was going to pay my bills and still have money to eat.  I used credit cards to buy everything from groceries to gas to clothes.  I was spending about $600.00 a month on credit card payments but still getting deeper into debt.  I really never thought that I could actually pay off all my debts.  I thought that my life would always be a constant struggle to pay my bills.

Since I started your system, I have lived comfortably within my means.  I have enough money to do most of the things that I want to do, but the best part is that I now am in control of what I spend!  I never have to worry about money again!  Your system saved my life.  I now have a savings account, I can pay for everything I need with cash, and will be completely out of debt wihtin 19 months.

The best part is that I am about to start a new job with a significant pay increase.  I now feel ready to handle a much larger salary, and I know that it will allow me to pay off my debts sooner and save more while doing it.  The "old" me would have already spent at least my first few paychecks (on credit cards, of course), and would just be deeper in debt than ever.  A lot of people have asked me if I will still be carrying around my envelopes when I start my new job.  I like to tell them that I will still have my envelopes, they will just be a lot fatter now!

Thank you for making my life manageable.  I could never have done it without you!

My wife and I learned Creative Cash Control from Joanne in the 90's and we still use it today.  I find the system to be particularly effective because it is designed to meet the needs of those who find it difficult to save.

Hi Joanne,
I received my bonus last Friday.  I was able to pay off two bills and the car will be paid off next month.  YEAH!!!! That leaves 2 charge cards and the money I owe my brother.  He will be the next one paid off.

Hope you are well.

The Creative Cash Control System has been of great benefit to us.  It helps us keep track of our cash flow, so we can make more informed financial decisions.  We like to have that kind of control over our finances.  We couldn't have done it on our own."