Meet Money Saving Expert – Richard Gorham

Hello, and thank you for visiting Debt-to-Income.com.

I’m Richard Gorham, your money saving expert - and I’d like to personally thank you for taking the time to check out the contents of this website.

Your first question might be, “Who is this guy and why should I listen to him about my debt or income issues, versus some other money saving expert?”

My answer is, quite simply, that I used to be just like so many people who find themselves knee deep in debt – but now I’m completely debt free, except for the mortgage on my house (which I am bound and determined to pay off as quickly as possible).

My family has made the decision to live debt free and as a result of making that choice, we are happier and healthier than we’ve ever been in our lives.

In addition, I’ve spent the last 20+ years as a leader and money saving expert in the financial industry, so I know how banks and credit card companies work; I know how the industry markets it’s products; I understand what little education our school systems are providing in the area of personal finance – so I possess a unique insight into what YOU must do in order to take back control over your finances so you can BEGIN TO WIN AGAIN.

A few years ago, my wife and I decided we were sick and tired of seeing all of our hard earned dollars go out, just as soon as it came in. Our debt was eating up our discretionary income like crazy, and it made us MAD.

We decided that “Enough Was Enough”. We started researching ways to pay down our debt and to “TURBO-CHARGE” our income, in an all out effort to take back control over our financial life.

Our strategy worked! In a relatively short period of time, we were paying off and closing our various credit cards, personal lines of credit, and we even paid off in full all three of our automobiles.

We’ll never have another car payment for the rest of our lives, and it feels GREAT!

I continue to be inspired by other people all across the world, especially the United States where being in debt is so readily accepted, who have come to the realization that debt is NOT their friend.

I believe that everyone who has experienced the guilt and shame of not feeling in control of their finances CAN turn it around and start winning again. You don't need to be a money saving expert or guru in order to succeed financially.

As a direct result of my ongoing study of financial leadership, personal finance, and personal development - and the experience I gain from managing this website - I continue to learn and grow in the area of debt reduction and income creation.

This site is a place where I can share how I became a debt conqueror and money saving expert and hopefully inspire a few of my readers to begin their own Debt-to-Income journey.

On behalf of my readers, I’m always on the lookout for the honest-to-goodness tools and resources that are effective at helping you to be a more effective personal finance manager and money saving expert.

While I’ve certainly benefited a great deal from learning many important lessons taught by more than one money saving expert or financial advisor such as David Bach, Suzy Orman, Robert Kiosaki and popular radio host and money saving expert Dave Ramsey, at times I’ve found myself disappointed at the high cost of their products.

Millions more people could benefit from learning how to better manage their money; to take control over their finances, and to stop being the monkey at the side of the organ grinder (aka: the credit card companies).

That’s where Debt-to-Income.com comes in!

Now I realize that you are visiting this site to learn more about debt reduction, income creation, money saving expert advice and to perhaps download many of our free financial tools. By all means, make the most of these free resources at your leisure.

However, I receive so many inquiries from readers who want to know more about how I built the Debt-to-Income website; I thought I’d take just a few short paragraphs to explain.

The fact is that I utilize a terrific web-hosting system called Site Build-It or “SBI”.

SBI is great because it’s an all-in-one tool that taught me how to create the website. (I knew absolutely nothing about site development or how to create a profitable website before being introduced to SBI.) I continue to utilize Site Build-It to help me grow my online business.

If you want more details, then check out this free 3-minute version of the SBI Video Tour.

This video tour shows how building a stay at home business with SBI really works!

Or perhaps you'd prefer to see the 30-minute version of the SBI Video Tour?

30-minute Tour

Attn: Stay-At-Home Mom's, Retirees & Students Want To Earn Extra $$$?

Click, sit back, and understand precisely why SBI! makes you succeed.

With the support and guidance of Site Build-It, I now earn thousands every month through the proper placement of advertising, affiliate programs and joint ventures.

While most of what we offer, we give away at no cost to our readers, my websites create significant financial rewards through various partnerships and affiliations.

Still not convinced? Consider this:

You probably discovered this site by typing something like “debt to income” or “money saving expert” or some other debt or income-related keywords into one of the more popular search engines (For example: Yahoo Search, Google, MSN or Ask Jeeves). So you see, the system works. Otherwise, you would have never found this website.

SBI offers hundreds of proven success stories. Elad's story is much like my own in that he took his "passion" and created a profitable home based business. Watch this video clip and meet Elad.

Yes, SBI can work for you too.

The videos on this I LOVE SBI page are all created by SBI! owners just like myself. They are prime examples of people who truly love what they do and they are willing to share their experience with others.

Do you need more income in your life! Watch a few video clips and you’ll quickly witness the variety and passion that are displayed by these website owners – it’s nothing short of inspiring. Why not take your passion and start turning it into an online business? You don’t have to be a money saving expert to be profitable online! For anyone interested in learning more, check out my free tele-seminar.

As you can probably tell by now, I truly love what I do. I am blessed to have a wonderful family, a career that I love, as well as several successful online businesses that allow me to nurture my passions, while providing a solid path for personal improvement and self growth.

My personal wish for you is that you too are able to successfully get out of the debt, finding ways for creating increased income – and experiencing a life that is filled with passion, prosperity and abundance. You can soon be a money saving expert yourself!

I wish you total success in building your life in a way that makes you happy, and which allows you to pursue your passion while at the same time serving others.

Whether you are a student, a corporate executive, a stay-at-home mom or dad, retiree, or other – your ability to conquer debt and create more income is now standing right in front of you.

It’s never too late for you to begin to win financially and start experiencing the rewards of pursuing your greatest ambition.

Rest assured, a successful life does not require you to become a money saving expert, or even that you possess a lot of money. A truly successful life can only be measured by the quality of our relationships and the level of our contributions - to our families, friends and communities.

The fact remains, however, that money does provide us with more options - and as a result, more personal freedom. So I do encourage you to free yourself from the shackles of debt and to use this website to help you identify a plan for financial success.

All you need to become debt free is now within your grasp, so let’s begin to make your life what it was meant to be - a masterpiece!

I wish you all the best in your Debt-to-Income journey. Please feel free to contact me directly via the Contact Us link, if I can be of any further assistance.

Warm Regards,

Richard Gorham
President
Debt-to-Income.com

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