*Attention* Women Who Have
Tried and Tried and Tried to Get Out of Debt

"I'm Revealing the PROVEN Connect-The-Dots 'PDQ Pay Debt Quickly System' So That You Can Create the Debt-Free Lifestyle You Deserve ...Practically Overnight."

EVEN if you've never managed to be debt-free before (or not for a very long time)!

"As a woman, I've struggled with debt for a long time - it even hurt my marriage but I learned how to get out of debt, save thousands in interest and I can show you how, too!"

From: Cindy Morus, Monday, 10:00 a.m.

Dear Friend,

Have you ever?

• Suffered from sleepless nights because of money anxieties?
• Made big payments to your credit cards only to have the balances creep right back up there again?
• Put yourself on a strict budget and promised that this time you'd really get out of debt?
• Had emergencies you just can't cover without using your credit cards?
• Borrowed money you can’t pay back?
• Gotten a second job or worked more hours but still couldn’t get ahead?
• Avoided family celebrations because you owe money to someone you love?
• Charged purchases on your credit card and hoped you’d have the money by the time the bill came?
• Gotten turned down for credit because you owe too much already?
• Refinanced your house to pay off debt and the debt came back?
• Gotten lines of credit to pay living expenses or other bills?
• Fought with your spouse about spending?
• Applied for a new credit card so you could do a balance transfer?

Sound familiar? If you said “Yes” to at least 3 of these questions…

You’re in trouble. Believe me, I understand because I was once where you are now.

Which is why what I'm going to tell you may sound too good to be true...It's actually very achievable for you — and it can get you debt-free, faster and more easily without "Pinching Pennies", Getting a Second Job or Cutting Back Your Spending (really!). In fact, I guarantee it will accelerate your debt payoff, your happiness and your lifestyle...and positively change your life.

But first I need to alert you: this is a moderately long letter. That's because I want you to have all the information you need to understand what this exciting, proven system can do for you. Honestly, if I could tell you everything in a single page, I would.

I'll promise you this, reading this entire letter could be a transformational moment in your life where opportunities you never saw before become clear. Now, isn't that worth the few minutes it'll take?

Let's begin, okay?

Imagine That THIS Is YOUR Debt-Free Life...

Imagine what it would be like to have the financial security, peace, joy and happiness of your dreams...

Your day starts after a relaxing morning spent with your family or working out. When the mail arrives in your mailbox you feel excited, full of the knowledge that none of them will be demanding payments and tacking on huge interest fees, late or overlimit charges and you can open each and every one of them with joy.

Your phone rings and you eagerly answer it because you know the person calling really wants to talk to you and not scream for payments. Your life flows smoothly because your debt-free lifestyle makes it easy for you to focus your gifts on doing what you do best.

YES, you can live a debt-free lifestyle like this even while you're still paying down your debts!

You are a money role model for your children and family members. Even better, you now know you can achieve other goals and dreams for yourself, too, because you've successfully mastered this "debt thing". You are respected by friends and family as someone who has turned your debt seeking lifestyle around and finally has the financial security you've always dreamed of.

You're recognized among your friends as someone who is successful, someone who has discovered the secret to enjoying both an amazing -- maybe even enviable --lifestyle and financial peace of mind. And, you feel calm and confident, knowing your debts are getting paid off in a way that leaves you energized.

The money is flowing in, balances are decreasing and debts are getting paid off in ways that surprise and delight you. You feel blessed and appreciative to be so in control of your money. You're so happy now that you can comfortably pay off the credit cards, and still meet your other needs including investing for your future, adding generously to college funds or savings accounts, having more fun in your life. It's all possible for you now.

But the best part is, you're experiencing freedom like you've never had before. Your life fulfills you, leaving you energized and happy so that when you're with your family and friends, you're able to focus on them, giving them your full attention and support.

Your confidence and gratitude are overflowing. You know you're making a contribution, helping people in ways that allow them to TRANSFORM their lives forever. You're secure in the knowledge that you're doing your life's work...and still paying off your debts.

This is the vision of what a truly successful debt-free lifestyle can be. It sounds wonderful, doesn't it?

FACT: You Can Have It All! You Can Live a Debt-Free Lifestyle While You're Still Paying Off Your Debts! And, You Can Start Doing It Practically Overnight!

Now, stay with me here for a moment, okay? Because what I'm going to tell you may shock you.

Here's WHY: you've been led to believe some things that have HELD YOU BACK from achieving freedom from debt. These are the myths, lies even, that have cost you money, time and happiness, making you think what you're doing isn't good enough, or, worse yet, that YOU'RE not good enough.

Ugh! This makes me so mad I could just scream! You know by now that I'm a woman with the utmost integrity, someone who can be trusted to tell the truth (even if I risk offending some of the "experts" out there).

So, I'm pulling back the curtain right now, on some of the lies you've been told:

1. "If you make bigger payments on your debt will pay them off faster and be debt free sooner." Sounds good, eh? Bet you've even tried it, right? The TRUTH is if you make large payments at the beginning of the month, you may run out of money at the end of the month and have to charge things on your credit cards just to get through.
   
2. "If you just work more hours, you'll make more money and be able to pay off your debts faster." Good golly, you're already working yourself to the bone, how much more could you possibly squeeze in? Working more is the first thing people in debt think will solve their cash flow problems, but in TRUTH, it's the LAST thing that should be attempted.
3. "If you cut your spending waaaaay back, you'll soon be debt-free." If this were true, then WHY wouldn't everyone be debt free already since it's a tactic everyone tries? The TRUTH is if you cut your spending back so far that it's uncomfortable, you'll end up feeling deprived and we all know how long that lasts!

Now, don't be too hard on yourself. It's not entirely your fault! No one ever told you the truth...until now, that is. But, I'm going to tell you the truth right now.

“Cindy demystified money management for my husband and me. We changed our debt significantly within 6 months. I highly recommend her.”             Theresa W. (self-employed Artist, Married and Mom of 2, Age 46, Portland, Oregon)

How do I know?

Because I've been showing financially strapped folks how to get out of debt without "Pinching Pennies", Getting a Second Job or Cutting Back On Your Spending, the authentic, fast, easy way and I've seen and experienced it all.

You see, I've been there myself. I fell victim to those lies because I didn't have anyone I could trust and follow.

But before I reveal something really personal, let me share a success story with you...

Is it really possible that someone like Jacque could save over $100,000?

Time Saved: 18 years Interest Saved: $108,344 "On August 22, 2007, I had a total of $146,849.95 in credit card debt, overdraft account balances, life insurance loans, home equity line of credit and auto loan. As of today (August 22, 2008), I now owe $141,319 . That's a debt reduction of $6,395 in just one year. This is all so amazing for me and I'm very, very grateful. In addition to reducing our debt, we have fixed the mold and leaking roof in our bedroom. We are now redecorating our bedroom beautifully and paying cash as we go -- NO NEW DEBT -- for a gorgeous bedroom for the FIRST TIME in our 17 year marriage! I have also saved $1,000 in 3 savings accounts and my income has jumped up tremendously now that I've finally started dealing with my debt and money problems. Even though I make a very good living, I've never been able to pay off my debts before no matter what I tried. I am healthier, happier, more balanced and less stressed about money than I have ever been in my life. The best part is that I don't have to make any extra payments unless I want to! I know that I will make extra payments and then I'll be debt free even sooner! I'll have everything paid off by August 2012 in time for my 60th birthday! You are amazing, Cindy, and I hope you'll tell everyone to get their debt down with the PDQ Pay Debt Quickly system. I wish I'd done it years ago."                                                                                 Jacque S. - CA

I used to wake up with a tight, tingly feeling in my chest almost every night and then I couldn't go back to sleep. I had so many sleepless nights as I struggled with money anxieties. I tried to forget about our debt, but the thoughts just wouldn't go away.

I even started waking my husband when I was up worrying - figured he might as well worry, too...And let me tell you that didn't go over big in my household.

The tension in our home increased as the balance on our bills when higher and higher. I knew I had to do something. Nagging my husband to spend less wasn't working any better than waking him up so I decided I had to do something, anything...in desperation.

Although I was a stay-at-home mom with two young children and a husband who traveled, I decided that I would get a part-time job and crossed my fingers and hope the extra work would get us out of debt.

Boy, was I wrong!

Not only did it NOT get the debt paid off, I was thoroughly EXHAUSTED. It just felt so hard. AND, I had to pay babysitters and more taxes, too.

So, like many people do, I tried cutting and cutting and cutting our spending. That didn't work either. I felt poor, and sad and deprived (and my husband made good money). So my spending popped up in different places. For example, I ended up buying lots and lots of food and groceries because it was "on sale" and we "needed it". At one point I had 3 cases of stewed tomatoes! (I later learned this is actually called hoarding and it's a common response to feeling deprived.)

It seems like we'd never get a break and I thought we'd be in debt forever.

I'll never forget how excited I was when we unexpectedly received a $7,000 tax refund. I was thrilled that we were going to pay off our bills and get out of debt forever.

Sure, it felt good for a little while. But...(you probably know where this is going, right?)

Somehow-in less than a year-I was astonished to discover that our debt was almost where it had been the year before!

I started calling it "perma-debt" because at that time I really did think it was a permanent part of my life.

I wish I could tell you that getting back so deeply into debt so quickly was because we were having so much fun but the truth is that I can't really remember anything big we purchased, no vacations and no toys. What made the debt feel even worst was that I didn't feel like life was any fun at all (and my husband didn't think I was fun, either). He didn't worry about the debt, it didn't bother him, it didn't wake him up at night but it felt like a cold hand clutched around my heart and I just couldn't live that way.

So there I was, exhausted, overwhelmed, depressed...and stuck at a debt level that wasn't working for me financially, emotionally or spiritually. That's when my health started to suffer and the problems in my marriage got worse and worse. Believe me, a gal can only burn the candle at both ends for just so long before she burns out...and I was burnt!

Emotionally, I was utterly frustrated and often in tears. This wasn't what I had in mind when I was going to college, and when I started working and then having a family.

Sound familiar?

I turned to the "experts", gobbling up every book I could get my hands on, taking courses, listening and learning everything I could to see if finally, I could create a debt breakthrough before I totally broke down.

I even went so far as to call Consumer Credit Counselors but can you believe they told me we weren't in bad enough shape for their help! Did they expect me to live in a shopping cart and wear a garbage bag for a raincoat before they would help? And, no surprise, investment advisors told me I didn't have enough money to work with them.

The problem was, NOBODY was addressing the core problem EVERY "buried in debt" consumer faces: how to PAY OFF THE DEBT, while LIVING a decent, peaceful, even joyful life.

Seems simple, right? But you and I know it's not. All those other debt payoff strategies try to focus on the mechanics of debt payoff while failing to provide strategies to live at the same time! This is why it's SO IMPORTANT to have a proven, step-by-step system for HOW TO PAY DOWN DEBT so that your life actually becomes EVEN BETTER while you're doing it!

Now, I bet you can tell I don't give up easily (and I suspect you don't either) so I decided to create my own step-by-step system that would put it all together. I gathered everything I knew about the power of paying off debt and put it to work FOR me.

The day I realized I "had it," I jumped up and down with joy, running to my friends, saying, "I FINALLY figured this out!" Within just a few weeks, I had created a debt payoff plan that really worked and figured out strategies for all the obstacles that had been getting in my way of becoming debt free. It felt so amazing!

Now, lets FAST FORWARD to my life today...

An Amazing and Successful Debt-Free Lifestyle EVEN While Paying Off Your Debt!

The first year after making this amazing discovery, I paid off 2 credit cards on the same income I'd always had. The next year, I paid off 2 more and my car loan. Not much left after that!

But the best part is...

I have a PLAN for getting rid of the debt forever (even tackling my mortgage if I want to) where I know what to pay on each card every month and I know when they'll be paid off. I know what to do if unexpected expenses come up, what to do if I get sick and even what to do if my income isn't regular. AND...

I can't tell you what a relief it is to have this all on "auto-pilot"! The system takes all the scariness and uncertainty out of my life. I know that when I follow the plan, I'll be debt free! No Question, No Problem! (I can't wait to show you how simple this truly can be).

I am truly humbled and grateful every day that I can pay my debts and live a debt-free lifestyle, a peaceful and joyous life. AND...I get to show other people how to create their own peaceful, joyous and financially secure life, too (and so will you). 

And one of the surprise benefits has been how peaceful and confident I feel every day. That's because I have a system that's proven and easy to repeat. There's nothing like knowing you have a consistent plan of action to bring you peace, ease and joy.

I truly hope you understand that I'm not telling you all of this to brag (that's really not my style) but to inspire you that if this level of financial security is possible for me, it's possible for you, too!

Everything I've done is simple and easy to repeat in YOUR life. You just have to have the desire for success...desire to live a debt-free, peaceful and secure life. AND, I'll show you exactly how to do it.

In fact, ANYONE who can make the minimum payments on their credit cards today can repeat this same type of success IF they're shown how...

Time Saved: 32 years, 11 months Interest Saved: $$52,903 "I have been using Cindy's PDQ Pay Debt Quickly system since January 2007 and I have been amazed by the results. Every month, I watch my credit card balances go down and down and down. I know I'm making progress every month. My husband and I have such fun opening our bills now and seeing how low the balances are. We'll be debt free by November 2011 and because we've been paying $1,326 every month toward our debt, we know we'll be able to afford a house easily. I know why they call it Pay Debt Quickly! Thank you so much, PDQ system!"                                                                                              Linda E - NY

You Can Learn How To Become Debt-Free Without "Pinching Pennies", Getting a Second Job OR Cutting Back Your Spending! 

Imagine the freedom from years of payments and thousands of dollars in interest payments. Keep reading to find out exactly how you can make it happen.

I'm here to tell you that if you can pay all your bills on time now, all you really  have to do is change the way you pay your debts - using the money you already make! Let me tell you how...

Would you like to...

	OUTSMART the Credit Card Companies?
	GET OFF the credit card debt ROLLER COASTER?
	Create a new way of thinking and behaving about money that will CHANGE YOUR LIFE FOREVER?
	See your balances going DOWN EVERY MONTH?
	Have FUN in your life again?
	Get Debt-Free!?!?!?!?

Would you like to know how to...

	SLASH YEARS off your credit card debts AND SAVE TENS OF THOUSANDS of dollars in interest?
	Take TOTAL CONTROL of your credit card debt?
	PINPOINT the EXACT date you will be completely debt-free and can start building real WEALTH?
	Protect the PRIVACY of your personal financial information?
	FINALLY have an Emergency Fund?

I can tell you there's no financial expertise necessary. No huge, extra payments every month, no deprivation...

"If you had discovered by PDQ Pay Debt Quickly System 3 Years Ago, Chances are...You'd Be Out Of Debt Right NOW!"

I bet you really want to know what I'm talking about...

I'm talking about my PDQ Pay Debt Quickly kit - a System I developed after all my years of debt and financial anxiety. I know it works because it worked for me and it's worked for other people, too.

Wouldn’t it be great to see your balances going down every month? Wouldn’t it be great to be able to have fun again?

Time Saved: 24 Years Interest Saved: $10,002 “I paid off $26,417 in credit card debt in 3 years, 2 months and saved $10,002 in interest by using this system. I'm DEBT FREE!! They should be teaching this in school.”               Elizabeth A. - Ohio

So, What Is The PDQ Pay Debt Quickly Kit?

The Pay Debt Quickly Kit includes:

These four Pieces, if purchased separately, could cost as much as $374, but I think that's too much and I wouldn't ask you to pay even half that. And, because I’m dedicated to your success and I’m determined to give you every resource possible, I’m also throwing in these 5 Bonuses:

And all this can be yours in the next 5 minutes!

The PDQ kit is now available in 3 versions  - whatever your situation, there's a way for you:

Get Your PDQ Kit Downloaded Right Now! (And save 20% until Midnight, Friday, May 15th!)

If you're ready to get started right this minute. Order and download the 100% downloadable  version of the PDQ kit.

Get Your PDQ Kit Mailed To You!

If you prefer to hold the products in your hands and you're willing to wait 2 weeks for shipping, then this product is for you (extra bonus: free shipping). You'll receive printed and bound copies of the  "PDQ Success Guide" and "Easy Budget Guide", the "PDQ software" CD, "Success Guide" audio, "Financial Goal Alignment" DVD and "Think & Grow Rich, 12 Simple Steps of Money Minding and Simple Self Care Tips for Women" CD all in one easy to use package!

Get It ALL!

Want to get started right now but also want to hold it in your hand? This is the version for you! You'll get immediate access to the digital products and download right now plus receive a box in the mail (in the next 2 weeks) with your books and programs as described above (extra bonus: free shipping).

What if you could become completely debt-free faster than YOU ever thought possible??

I bet you're thinking that YOU will NEVER be debt-free. Here are some of the reasons I've heard before...

	My interest rates are too high for me to get them paid off
	I don't have enough money to pay off my debt (let alone buy this program)
	I'm afraid I'll feel deprived or won't have any fun if I'm paying off debt
	My spouse won't stop spending
	I've tried this before and failed (or paid it all off and gotten into debt again!)
	I have emergencies like medical expenses, car repairs, home repairs, kids or pets that always get me off track.
	I'm afraid I'll lose my job.
	I don't know how to make a plan that works
	There are too many different experts out there telling me what to do but none of them really understands my situations.
	I just don't know where to start (and there's a big pile of unopened mail on my desk).
	I'm afraid it will take too much time
	I really don't think I can stick to a plan even if I did make one
	I'm worried that it might start out OK but as soon as something changes or goes wrong, I wouldn't know what to do
	I wish I could talk to someone who really understood and wouldn't make me feel like an idiot
	I don't want to spend money on getting out of debt.
	It's my fate to be poor. My family's always been poor and that's just the way it is.
	I have a really good excuse for being broke.
	Everything is just more expensive than it used to be.
	My situation is different than everybody else's.
	I'm afraid to find out how much I really owe.
	I'm scared about the economy.
	I make big payments on my cards just like "they" tell me to and then I run out of money at the end of the month.
	My income isn't the same every month.
	My expenses are different from month to month.
	____________________________________ (Fill in the blank)

What's Your Reason (Excuse)?

I bet you're still thinking "I'll NEVER be debt free AND this program sounds too good to be true!"

I understand where you're coming from and I know that it's  just an excuse for not taking action right now!

There are a lot of excuses out there for not getting debt-free, but quite frankly none of them are really very good excuses and don't even come close to being a reason not to try my PDQ Pay Debt Quickly system. Why? Because of my...

Unconditional Happiness, No-Excuses
30 Day Money Back Guarantee

Sign up for the PDQ Pay Debt Quickly system today and take up to 30 days to evaluate and put all the pieces  to work for you.   If you're not able to create your Personal Debt Payoff Plan, just let us know and we'll give you your money back. No questions asked.   Consider it your 30-day trial to discover that debt free is really possible... completely risk-free.

Buy the PDQ Pay Debt Quickly system today and take your time over the next 30 days and if you're not 100% satisfied that the PDQ Pay Debt Quickly system can create your Personal Debt Payoff Plan, just let me know and I'll cheerfully refund your money.

What If I Told You There IS A Way To Get Out Of Debt Quickly...

And YOU, Yes, Even YOU can do it!

The PDQ Pay Debt Quickly kit will:

	Create your Personal Debt Payoff Plan for you
	Tell you how much to pay every creditor, every month
	Show you exactly when you'll be Debt Free!
	Teach you what to do to stop "emergencies"
	Tell you what you can do if your income is reduced
	Have your credit card balances going down, down, down
	Still let you have FUN!

What kind of price tag can you put on peace of mind? Most people yearn to have financial security and peace of mind but most fail to achieve it. Will you reach out for peace of mind and a debt free life today?

Here's to Your Debt Free Life,

Cindy Morus, The Money Mender

P.S. Will you let another day, month or year pass by doing the same thing you've always been doing? Time will pass by regardless. But if you start now, a few years from now, you'll be able to look back at how a few simple changes have made such a difference... and realize that your life changed in a single moment of decisiveness. Click here to get started.

P.P.S. Do YOU already have a plan to be debt free soon or not? Don't delay! Get yours now.

P.P.P.S: If you’d found the PDQ Pay Debt Quickly kit 3 years ago, you wouldn’t be reading this page today! Isn’t there something (anything) you’d rather do than think about your debt, again? Don’t waste another second, get started now!