

BUDGETING PROJECTIONS
Our UFirst™ Money Merge Account® system, financial navigation solution, provides the ability to do budgeting
projections like, what is the TruCost of a $10,000 family vacation 6 months from now in relation to my whole
financial circumstances?
OR
Would financing a car purchase through a finance company be a smartest choice or an uneducated choice, rather than financing the car purchase with a home equity line of credit or a personal line of credit?
Ask us to show you how to figure out the best interest saving choice for you.
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TRUCOST
Instant 'TruCost' assessment of all purchases, past, current and future. TruCost in relation once again to your current financial position,
the day you are looking at your Money Merge Account software. How much is really costing you to spend each dollar?
Anyone who has debt must know that the price they are charged for any item is not the actual cost they are paying. One must consider the fact that if they did not spend that money but instead paid off the principal of one of their debts, how much interest savings would that represent? The Money Merge Account system gives you the benefit of not just knowing the trucost but also, which debt principal gives you the most interest savings for your prepayment.
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MULTIPLE REPORTS
INCOME AND EXPENSES: View your itemized income and expenses, your current balances and track your discretionary income.
MONEY MERGE ACCOUNT SAVINGS: View the amount of money and time you are currently saving with the Money Merge Account system.
BUDGET: View your current monthly, annual and working budgets, along with your budget history from time on the Money Merge Account
system.
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SEE CONSEQUENCES BEFORE YOU ACT
See the 'Years to Pay Off' and the 'Interest Paid' numbers go up if you were to choose not to follow the program or if you want to
determine whether you are making a great decision or a not so great decision, BEFORE you act on it.
PAYOFF DATE YEARS TO PAYOFF INTEREST PAID
November 2019 11.33 $97,455.48
PAYOFF DATE YEARS TO PAYOFF INTEREST PAID
January 2023 14.50 $126,597.48
See first hand the effect of making different budgeting choices. If I only spend $50 a month instead of $150 a month at Starbucks, what
effect will that extra $100 savings have on my 'years to pay off'?
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CELL PHONE ACCESS

Comprehensive budgeting system offers enhanced features that truly take your financial life to a new level.
Ability to organize your money into 'Folders'. Keep track of all your separate accounts, properties, debts etc.
Choose whether you want to have Cell Phone Access to those folders for balance updates,
(ie; while in the grocery store, how much money do I have left this month? call your folder to find out)
Choose whether you want Text Messages or Emails reminding you an upcoming bill is due to be paid, and then choose to have the system pay it for you or not. This feature coming soon!
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CHOOSE YOUR SPEED TO PAY OFF
You have a choice of how aggressively you want to pay off Aggressive Scale - 1 2 3 4, 5 6
your debts, with 6 different levels of speed from slow to fast.
You can also set it to save up for a special holiday or future purchase. It can incorporate your desires into the calculations.
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SO EASY TO USE
The Money Merge Account system provides financial education and coaching for the life of the program.
The system provides a Financial Tool that is so fun and easy to use the 15 minutes of discipline of updating the
information is sort of addicting and is very pleasurable.
The Money Merge Account system does not move your money and does not pay your bills, however, you do have
the ability to have a third party organization, the same one many banks use, to automate many of your banking
transactions including recording the performed actions into your system. (Coming soon)
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FUNCTIONS LIKE A FINANCIAL GPS
Unexpected circumstances arise? Not a problem for our Financial Navigation Solution which
recalculates instantaneously to keep you on track to achieving your goal of all obligations paid
to zero.
No speculation or personal opinions used, just cold, hard, accurate, mathematical calculations.
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BEST TIME TO BUY
While in a store you just found an item that you want to buy.
You can call your Money Merge Account system and ask it when the 'BEST TIME TO BUY' the particular item actually is. The program
will look at all the numbers and report to you. It may benefit you financially to wait a week or two or three.
Instead of emotionally purchasing anything, anytime, find out the 'Best Time to Buy' for your personal financial circumstances. Waiting
just one day may save you a worthwhile amount of interest!
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ELATED CLIENTS PAY OFF FAST

Join the growing number of clients who have, in just two years, paid off more than
$155,000,000 of mortgage and consumer debt using the United First Financial® Money
Merge Account system and have on top of that saved an enormous amount of interest.
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TWO VIDEOS

Watch two videos here. One on 4 strategies used by the Money Merge Account system and the other is a demonstration of some of it's benefits.
