Master your money, design the life you want, and painlessly save hundreds in just minutes each week.
Not restrictive. No cash envelopes. Real accountability.
It’s so easy your spouse will be on board, so quick you can do it during a Hulu commercial break, and it works best for those who have struggled sticking with a budget.
“After 17 years of struggling with budgeting and personal finances, in the last 4 months we have saved $14,000”
You’ve probably tried budgeting in the past…
You’ve watched Dave Ramsey, downloaded budgeting apps, and tried cash envelopes, but you just can’t seem to get full control of your money (or stay in control when emergencies happen).
You might be discouraged with your inability to get ahead financially. And maybe feel like no matter what you try, it’s not going to work.
You aren’t alone, a lot of our students used to feel that way.
You are in the right place if this is you:
This is really for 2 types of people…
1. 😠 You don’t want to be told how to spend your money.
- You want to spend your money on the things that are important to you – even if it is avocado toast!
- You want to get ahead financially, without giving up all your control.
- You don’t have tons of time to spend thinking about money.
- You don’t like feeling guilty for what you do with your money.
2. 😕 You have tried budgeting (or are currently budgeting) but you can’t seem to stick with it.
- Maybe you are using a software or method that isn’t actually holding you accountable (most people are).
- You find at the end of each month your spending just didn’t match your plan
- You can’t figure out why there isn’t more money left at the end of the month
- You have a spouse who isn’t interested
😍 If any of this sounds familiar, you are going to love the Real Money Method…
I was a budgeting failure myself…
You see, if anyone should have succeeded with budgeting it should have been me:
- I worked in the financial services industry for 20 years
- I am a self-proclaimed “numbers guy”
- I actually like spreadsheets
- I have been helping people with money for over 10 years
- I am a Certified Educator in Personal Finance
You would think that if anyone could make a budget work it would be me.
But yet I found myself feeling dumb, frustrated, and even ‘crazy’ because I couldn’t for the life of me figure out how to actually keep from blowing my budget.
So what did I do?
I put my nose down and invested all of my energy into figuring out how to make it work.
I spent countless hours and dollars trying to find a budgeting method that actually worked for us.
…trying every budgeting software I could find,
…reading every budgeting article,
…watching every video with budgeting tips,
to see if there was actually a budgeting tool or method out there I could stick with that actually worked.
We would start with great intentions, but they were all too difficult, time-consuming, and worst of all – provided no real accountability.
And as a result, our budget failed. Over and over again.
Nothing worked for us
For the longest time I thought there was something wrong with me that we couldn’t make any of these fancy budgeting tools work for us.
Maybe you have felt that way too?
I kept at it, trying new method and new tool one after another after another.
And while we never found any budgeting tool that worked for us, something so much better happened…
After spending many hundreds of hours learning and experimenting with budgeting, something became clear…
Even though there were countless failures, some new ideas of how it could be done began to emerge.
And so I decided to put the ideas to the test.
What if I could create a budget that had built in accountability (ensuring that I stuck with it?)
What if I could avoid cash envelopes, because I just couldn’t buy everything with cash (after all this is the 21st century right?)
What if it was simple enough that Linda (my better half) would actually be into it?
As we began experimenting with what would soon be known as the Real Money Method we realized that it was succeeding where all the other tools failed us…
It was helping us:
ACTUALLY FEEL IN CONTROL OF OUR MONEY? ✅
STAY LASER-FOCUSED ON OUR FINANCIAL GOALS? ✅
SPEND ON WHAT’S actually IMPORTANT TO us? ✅
We even used this method to pay off our house…
And after years of using the method successfully and constantly fielding questions from our podcast, blog, or Instagram community about their struggles with finding a budgeting solution that fit their life…
We began sharing it with others…
Lauren and Jeff were the 1st guinea pigs of the Real Money Method. Here is their story as told by Lauren:
“I cut my spending by over $800/month without even feeling it“
Lauren is a self-confessed impulse buyer, “I’ll go to the inexpensive grocery store with a list of necessities and feel great about how much I saved on milk and eggs and then I’ll grab a $10 “special buy” and bust my grocery budget.”
“Enter the Real Money method. Once I committed to it and knowing where my money was actually going, I cut my spending by over $800 each month without even feeling it.“
“It was basically like getting paid to budget.“
“I now know exactly how much money I have for each category and when the money is gone, it’s gone. The guessing games are over and I feel more in control of my money than I ever have.”
I never intended to create a budgeting course…
But in the summer of 2019 we decided to share the method with our SeedTime community and after the enthusiastic response from many hundreds of students the Real Money Method course was born.
And within a few weeks we began getting responses like these:
I’m loving the Real Money Budgeting Method. I’ve saved hundreds of dollars and I’ve never felt so in control of my spending.Kayla R.
The course is great. Straight and to the point. thank you for introducing the system. It’s genius. I can see it working better than any budgeting concepts I’ve tried in the past.Matthew P.
I’m loving it. It really gives me an accurate picture of where I am and is easy to use.K. G.
This system has been amazing! … My husband seems to be enjoying it as well due to the “real money” factor since he can open the app and see how much we truly have at that minute, rather than when we used (other tools) and it was very difficult to get a feel for the actual numbers.Meghann J.
And then as Coronavirus struck we started getting messages like these…
We got this text message from one of our students (Tori) right as the Coronavirus began sweeping across the U.S.
And then one of our students (Sheri) sent me this email…
So, who are you anyway?
I, Bob Lotich, am a Certified Educator in Personal Finance (CEPF®), founder of SeedTime.com, and somehow was named a top-20 personal finance influencer.
And Linda is my better, yet more spend-happy, half. And trust me, if she likes the Real Money method, there is hope for your spouse too!
And together we used the Real Money method to pay off over $200k of debt.
It’s RADICALLY different than any budgeting you’ve ever tried before
Watch this 2 minute video to see why…
Why this is different than ANYTHING you’ve tried before
It is a money management method that actually provides REAL accountability to stick with it, unlike all the software which can so easily be “cheated” when you go over in a category each month.
Since this method uses your REAL money in your bank account (as opposed to just numbers on a screen with software) you will actually stick with it.
And as a result, your money will go where you want it to go and you will finally start moving forward financially..
In less than 1 hour you’ll learn The Real Money method
The Step-by-step short video lessons will:
- Show you exactly how to set up the system and all the tweaks to make to ensure that it is as quick and easy as humanly possible.
- Show you how to set it up in a way that all but guarantees you will stick with it.
On top of that, if you are new to budgeting it will teach you how to:
1. Save hours each month and virtually eliminate bill-paying stress by creating a system and schedule to pay your bills. You will save hours each month with this and ensure you never miss a payment again.
2. Figure out exactly where and how much you are spending (most think they know, but are very wrong) in under 10 minutes.
3. Know EXACTLY how much to budget for groceries, household items, entertainment, etc.
4. Painlessly create a spending plan for your future spending. This saves hundreds each month for most people.
5. Still earn points using your credit cards with the method if you’d like.
But, if at any point you need help along the way, you can use the included Unlimited Email Consulting and ask us for help at any time.
The class was very easy to understand and easy to apply the knowledge to my actual life. It was also comforting to know that if I had any questions, I could contact someone on your team and they would respond.Linda F. (RMB Student)
Here’s what you are going to get:
The Real Money Method online training course
It’s an online video course that can be completed in under 1 hour and will guide you step-by-step through the process of setting up a simple budget using this method that will help you get in the driver’s seat with your money.
For a limited time, we are including a few great bonuses as well:
Recommended Budget Percentages Cheatsheet
Are you curious if your budget is just wildly off the mark from the amounts the experts recommend? While no budget is exactly the same, this cheatsheet will give you a head start on determining if you are hitting the recommended category amounts.
Make paying bills faster, easier, and never late
This is the exact system I have used for over a decade to pay our bills each month. The system and corresponding worksheet (included) have saved me hours every month and virtually guarantee that you’ll never have an accidental late payment again.
Get every budget question answered with UNLIMITED email consulting for 2 months
The lessons are all most students need to get the method up and running, but if you have any questions or need to bounce ideas off of me or our team, you can do just that with email consulting.
See what my exact budget actually looks like (and many others)
Want to peek over my shoulder and see exactly what my budget looks like? Or want to see how much other students budget for groceries for a family of 4? And want to know why? This ever-growing library of case-studies will give you a sneak-peak at how other successful budgeters are doing it.
How much money will you save?
On it, boss. Here you go…
Average new budgeters save $600 by their 2nd month.
And some of our students are even doing better…
Our monthly bottom-line went from about $500 in the red to $1,160 in the black.John P.
Once I committed to it and knowing where my money was actually going, I cut my spending by over $800 each month.Lauren C.
We are now nearing the end of our first full month using your program… We have been able to free up nearly $900 this month, which is quite honestly mind-blowing!Chrysti B.
Multiply that by 12 and things get really exciting…
Now I don’t have to tell you that if you multiply monthly savings like these over the course of a year, you are looking at many thousands of dollars freed up.
And when you follow this method, this doesn’t come from telling yourself NO all the time.
In fact, our method is all about creating a budget that tells you a resounding “Heck Yeah!” to the things most important in your life.
So how much does it cost?
- Get Lifetime access to the course ($77)
- Unlimited email consulting for 2 months ($64)
- Budget case studies library ($37)
- Save hours with Bill Pay system ($37)
- Recommended Budget percentage cheatsheet ($17)
- FREE future updates ($47)
- a lot more…
Total value = $279
But for a limited time, get it all for a one-time payment of just $77 .
Notice: price increase coming June 15, 2020
To begin changing your financial future now, simply click the button below, fill out the order form, and we will immediately send your login information. See ya inside!
It will work and save you hundreds, or else…
If it doesn’t save you hundreds, we will personally work with you until it does or refund 100% of your money.
To be honest, I didn’t feel comfortable making this promise when we first launched the course, but now after having over 700 students enroll, and seeing the results they are getting, I can safely make this offer – because I know it works!
I have been in the financial services industry for 20+ years now and I have never seen something that works this well.
That is why I am comfortable taking all the risk and offering a guarantee like this.
Got Questions? I got answers…
When does the course start?
Immediately! It is self-study, so you can take it at anytime – on your schedule.
Does it work with Mac, PC, Linux?
It works on any and all computers and mobile devices because it isn’t a software that is used.
Can I take the course on my smartphone?
Yep, absolutely. It is just as easy doing it on your phone, tablet, laptop, or desktop.
What are the requirements?
- You must have 5-15 minutes per week to spend to maintain
- You do NOT need to change banks, but you may want to open a new account at one of our recommended banks that work best with the method. It will likely save you time and just make everything easier.
How much time will be involved?
You will be able to get through the course videos in less than an hour. It should take about 2 hours (spread over a week or so) to get the system in place. From there, like any method of budgeting, it will require regular categorization of transactions (5-15 minutes a week) to ensure that you are staying on track with your budget.
Can this budget be done with paper or does it have to be done on the computer?
Sorry, it doesn’t work with paper only. You need to have access to a computer, tablet, or smartphone.
What if I am outside the US?
The method can work anywhere in the world. Some banks make it more difficult to implement than others, so if your current bank doesn’t work well with the method, we have an ever-growing list of banks that our students are using successfully as well as our top recommendations.
Do I have to change banks?
Nope. You keep your current bank just as it is, but you may need to open a new account at Capital One 360 (or other recommended banks) to make it as easy and quick as possible.
Do I have to use Capital One 360?
No, but it is our top recommendation. Basically it has a combination of features that are very uncommon in most banks. These are a few:
1) They let you open up to 20 savings accounts (budgeting categories) and most banks won’t let you do this.
2) It only takes about 60 seconds to open a new savings account – which is really helpful when opening a lot.
3) They allow free transfers to & from your current bank, which most banks do not.
4) They allow you to name your savings accounts.
And the list goes on and on. But it is important to remember you are not leaving your current bank, just adding a new one.
What if I don’t have a Capital One branch near me?
I don’t either. It doesn’t matter for this system since all the money is being transferred online. They are a fantastic online bank with lots of options for getting money in and out.
Do I need to change my direct deposit over to Capital One?
No, one of the reasons we use them for this system is because they allow you to transfer back and forth to your current bank for free. So you can do your monthly transfers that way or you could have your direct deposit divided up between your two banks. Either works.
Are there banking fees involved in setup and going forward?
No fees! That is one of many features that we look for in our recommended banks for the Real Money method.
Does this course sync with my bank account?
Nope, it is just a method of budgeting that this course teaches. The method doesn’t use any software, it just teaches you how to budget with your own bank account.
Do you have access to my bank account?
Nope, not at all. By purchasing the course, you will gain access to training on how to use the method with your own bank account.
Can I gift the course to someone?
Absolutely, just purchase the course and then email us and we will get you taken care of!
Do the videos have closed captioning?
Yes, each video has the option to turn closed captioning on!
How similar/different is this from the Dave Ramsey budgeting system? I tried that in the past and felt like I couldn’t spend any money.
Personally Linda and I have found that this method allows us to say YES to much more stuff than NO. Now, there certainly are times where we choose NOT to do things because of our budget, but the thing to remember is that you are not a slave to your budget, it works for you. You get to tell it what and where you want to spend your money. It is basically an agreement with you and your spouse about what is most important to you and where you want to choose to spend your money.
Can I use my checking account for this as opposed to opening a Cap One 360 account? My bank will let me open multiple checking accounts and savings accounts.
Yes the only reason we recommend Capital One 360 is because it is the easiest we have found for the system but we certainly have not checked all banks.
How easy is it to transfer money from my current bank to a Capital One account?
Super easy. You do it all from the Capital One app/website and it’s just a few simple steps. You can probably do it in 15 seconds.
Does this sync up to my bank account, and are any of my records kept online?
Nothing with your bank accounts is synced to the Real Money Method. It isn’t a software that you are using but a method of how to organize and categorize your accounts. So we won’t have access to any of your information through the course.
I wondered if you have a list of budget percentage guidelines? We are setting up a budget and were interested in what categories and percentages you recommend?
Yes that is included in the bonuses!
Does this system work with an iPad. I do not have a “regular computer”
Yep, no regular computer needed! It works on tablets and smartphones.
Can I still use my credit card for purchases to get rewards points with this method?
The goal of the method is to make it as simple as possible and as such using a debit card is the absolute simplest approach. But many of our students still use credit cards with it and we have a lesson in the course showing two different methods to use this method and still use your credit cards to get points.
Does this method work for those with inconsistent or irregular income?
Yes it does. We have been in that boat for over 10 years and it has worked better than anything else for us. We have a specific lesson in the course for those with irregular income.
Ready? Let’s do this!
Get Lifetime access to the course + 2 months unlimited email consulting + Budget case studies library + Budget % cheatsheet + FREE future updates + a lot more.
Just click select your package below to get started!
We are loving the ‘Real Money Method’ because it is so easy to see how much money you truly have in each account. Other programs we have tried didn’t give us an accurate account of our budget. Your program has really simplified the process!Jim C.
It is kind of funny but I do feel more in control…Thank you so much for this budgeting system – I love it!!Kim V.
You and Linda make it easy without making me feel dumb. I have been budgeting for 21 years but have never had it working like it should and I could never figure out why all the extra money was gone at the end of the month. But now we can see exactly what is going on (unlike before with other software) and as a result there is money leftover each month.Joanna P
I think this budget plan is one of the best… actually I think it is THE best for those wanting a simple and practical way to get out of debt.Kristel k.
My husband and I have had some time to start using the RMB and we are really enjoying it! …Overall it’s working so much better than YNAB did for us and I love the ease of the capital one app as well.Katie M.
So worth the money… Thanks so much and continued blessings.Derrick N.
I feel over all more at ease and more confident about our finances. Before I felt unsure about paying extra on our debt because I didn’t have a visual of where my money was split up. It’s really encouraging us to find room in our budget for extra payments.Rachel G.
Your course has given me an understanding of budgeting successfully and how to actually save. That’s huge for me!Margaret W.
I got Bob’s budgeting course about a month ago … It’s the only one that really made sense and it’s like he’s right there, having a cup of coffee with you and showing you what to do.Matthew P.
It’s the first time I have really felt confident about a budget and sticking to the process. We have been using this system now for the last two months since taking the course and I LOVE the sense of control knowing when bills will come out of my account and knowing where my money is going so I can confidently purchase things without worrying. HIGHLY recommend it!Tori H.