Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Steve's Thought of the Day
Maybe it is time to read what the Bible really says about bankruptcy instead of listening to the assumptions of others. Throw out your misperceptions and you'll be fine. (And who is stopping you from throwing them out?) - Marcus Aurelius
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
Steve's Thought of the Day
Throw out your misperceptions and you'll be fine. (And who is stopping you from throwing them out?) - Marcus Aurelius
Efficient Budgeting Goes Poof and Takes John’s Money
John wrote in and was concerned that he could not reach his debt relief company, Efficient Budgeting. He said he “was promised that my interest rate would be lowered on my credit cards within 6 months or I would get a full refund of my 1,500.00 dollars.”
John tried on multiple occasions to get the help he allegedly paid for but said that after “many multiple phone calls over a year. They informed me that they were working on it and that it takes time.”
In the end, all that John reported that happened was he was sued by his creditors.
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If anyone has any information where Efficient Budgeting was located or who was behind it, please post a comment.
John reported the number for Efficient Budgeting was 866-786-8242 and their website was EfficientBudgeting.com.
It looks like it all went poof and the company is nowhere to be found and there is no evidence where they were located.
All that remains are the three documents he said they sent him. Even they look like they were edited to stick the Efficient Budgeting name on documents belonging to some other group.
I would recommend that anyone considering using such a company should read the following free guides.
3 thoughts on “Efficient Budgeting Goes Poof and Takes John’s Money”
From InternetArchive.org, This is the only time the website was captured, meaning is was not changed much, if at all, and likely wasn’t up for very long.
I saw that as well. I did find possible connections to another pitch for mortgage modification services but that one is as much of a ghost. Nothing I would have been comfortable in naming. It does appear this was one of those hit and run offers and the chances of catching up to them are slim.
From InternetArchive.org, This is the only time the website was captured, meaning is was not changed much, if at all, and likely wasn’t up for very long.
https://web.archive.org/web/20150109052316/http://www.efficientbudgeting.com/
Hi Bill,
I saw that as well. I did find possible connections to another pitch for mortgage modification services but that one is as much of a ghost. Nothing I would have been comfortable in naming. It does appear this was one of those hit and run offers and the chances of catching up to them are slim.
Asked question.