The company, No More Mortgage is unfortunately, similar to others that you may here on the mainstream radio. They will advertise their free information with the exception of shipping and handling. They will give you a time period in which to evaluate the product before you are charged the full product price. When you call to inquire about the product you will no doubt here about all the benefits, and how they help reduce the tide of consumer debt. The representative pretty much reads from a script, which I imagine with a lot of time, and hard work, one can become quite efficient with. They will record your conversation/order, which tells you right away about their product this is a huge red flag that tells me that people who purchase this product may not be happy at all, and NMM needs to refer back to the old we have your voice confirmation on tape.
After receiving this product, my personal advice is:
* This product is NOT needed. Anyone with basic 6th grade math skills should be able to figure out a simple budget, which is really just addition, subtraction and a little projection. Company actually sent a VERY high-tech budgeting device yes, a piece of paper with lines on it, and common sense advice on the CD.
* If you really want to get out of debt, your very first step should be to NOT order this product thats right put the nearly $400 for this product back in your pocket.
* Spend a little money on Quicken not only will you get fantastic budgeting abilities, but you will have a great opportunity to download your transactions, look at trends etc, and do automatic budgeting based on your real spending.
* If you have already ordered this product, and are still within the trial-period, then chances are you are pretty disappointed. Go ahead and give their customer service a call, and ask for a return authorization. They will try and get you to keep the product by telling you of all the benefits, extending your trial etc. If you are really considering keeping this gem of a product, go ahead and call customer service anyway chances are that by being firm in your desire to return the product, you will get them to negotiate the product cost down to almost nothing.
If you are past your trial period and have found this product to be a great candidate for your trash can, you will not be able to bargain down or return it. If you do not pay, they will get around to calling you in about a year.
Believe me the only people getting out of debt is this company, by sitting back and collecting a fat windfall from desperate customers.
I want to take my experiences and help guide others on them. Personally, I believe this product is an incredible waste of resources; time and money. Good luck on trying to reduce / control your debt. Do yourself a favor get quicken and use your own common sense on spending you will come out ahead by far.
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