Budget

New to Live Richer Challenge: The Fundamentals? Learn more about it HERE.

Week 2: Budgeting & Saving

Today’s Easy Financial Task: Create your Money List

How to Rock This Task:

  • List everything you spend money on
  • Write down how much you spend monthly on each expense on your Money List
  • Add up your Money List and subtract the amount from your monthly take-home pay
  • Use The One Week Budget (Day 1) from yesterday’s task, to help you fill out your Money List

Today’s task will be the most important task of the challenge. For yesterday’s task, I asked you to READ, Day 1 of The One Week Budget. Today, you’ll CREATE your Money List — a basic budget.

The reason why this task is so critical is that if you change your budget, you change your life.

Having a budget has enabled me to totally re-design my life despite losing my job, being a victim of fraud that lead to me owing $35,000 in credit card debt, losing my home to foreclosure and my 802 credit score plummeting to 574. With the help of my budget, I now:

  • Work for myself and fully support myself with my business, The Budgetnista
  • Travel the world (for much less than you’d think)
  • LIVE RICHER: a purposeful, passionate life

You might be feeling a little overwhelmed after this task, but don’t worry, that’s normal. The rest of the challenge is going to teach you how to take control of your finances and change your results. Remember, I’ll be here with you every step of the way.

FYI: Even if you don’t have an income, creating a budget is still necessary, because you’ll need one once you regain your income. Always remember, you won’t have to get ready if you stay ready.

Share your commitment to your financial future…

Today I will create my Money List - my budget. Day 9 #LIVERICHERChallenge Click To Tweet

Here’s a blank Money List Template you can use to complete today’s task:

Click here for the PDF version of The Money List: my money List (updated).pdf

Click here to auto-download  the Excel version of both templates (there are some other goodies included, but we’ll address them later on during the Challenge) : My Money and Debt List (in Excel with formulas).xls (the 1st spreadsheet)

Today, your job is to ONLY fill out the first 2 columns on your Money List and the DATE column. We’ll get to the rest of the columns later on in the week.

Think you can’t budget because you don’t receive a regular income? Think again. I wrote a post just for you: How to Budget When You Don’t Have a Regular Paycheck.

Thoughts? How are you feeling about today’s task? Please share your thoughts with me in the comments below & with Dream Catchers in our closed LRC Forum, HERE.

If you need a bit of a pep-talk about today’s task, listen to a call I recorded with other Dream Catchers. It was awesome and will lift your spirits if you let it. You can listen to the call recording here: http://fccdl.in/3JnWCNxVp 

Live richer,

Tiffany

Reach out to me here:

twitter: @thebudgetnista

instagram: @thebudgetnista

Facebook: The Budgetnista

Private Forum: Dream Catchers : LIVE RICHER

(If you’re new to the Dream Catchers: LIVE RICHER forum make sure to fill out the questionnaire HERE before requesting to join.)

*** Have you just started the challenge & want to catch-up, or just want to work through the LIVE RICHER Challenge in a workbook as well? You can get it here NOW: LIVE RICHER Challenge Book ***

LIVE RICHER Challenge Book

Tagged with:
 
  • sharonda hankerson

    I have a question. When doing my budget do I only write down the regular schedule bills for ex. car payment, insurance, etc ? Or do I include the nonsense things I use to waste money for ex. fast food?

    • Nicole W

      I believe you are to write down everything you spend money on. In the book example it had fast food, hair, make-up, and even candy.

      • sharonda hankerson

        Thank you, Nicole… Now I know this is going to be painful 🙁

        • mrsigweesther

          i
          just want to share my experience with everyone. I have being hearing
          about this blank ATM card for a while and i never really paid any
          interest to it because of my doubts. Until one day i discovered a
          hacking guy called Harry Lugard. he is really good at what he is doing.
          Back to the point, I inquired about The Blank ATM Card. If it works or
          even Exist. They told me Yes and that its a card programmed for random
          money withdraws without being noticed and can also be used for free
          online purchases of any kind. This was shocking and i still had my
          doubts. Then i gave it a try and asked for the card and agreed to their
          terms and conditions. Hoping and praying it was not a scam. One week
          later i received my card and tried with the closest ATM machine close to
          me, It worked like magic. I was able to withdraw up to $3000. This was
          unbelievable and the happiest day of my life. So far i have being able
          to withdraw up to $28000 without any stress of being caught. I don’t
          know why i am posting this here, i just felt this might help those of us
          in need of financial stability. blank Atm has really change my life. If
          you want to contact them, Here is the email address
          HARRYLUGARDROBIN.(harrylugard190@gmail.com) or call number: 11683789..
          And I believe they will also Change your Life.

  • Tesha F.

    I think I am going to have to stop using my debit card and start paying for things using cash in individual envelopes. I’m having a hard time remembering what in the world I bought. My issue is I don’t buy big things, there isn’t that “oh yeah, I did buy that $300 pair of shoes last week” for me. I am literally missing $700 between the expenses I did and my monthly pay and I have no clue where it went! I put silly things down like the weekly playdate at a local eatery for my son ($11.74/wk since he always gets the same meal) etc. but I’m still missing money. It all boils down to me being swipe happy. Tiffany mentioned how even a simple latte can add up and it is so true. I’ll make little purchases here and there, you know, a simple drive through purchase, extra snacks at the pharmacy etc. and it really and truly adds up. In my case unfortunately it adds up to about $700-crazy! I am going to go through my online account and see all the little purchases I made, but starting today I am using cash ONLY for personal expenses.

  • shannon

    Is it true to look at the past 3 months of statements to really determine what you spend on the regular?

  • JanFree

    Tesha F. I am right with you. I have the exact same issue going on in my life. My mindset is that I deserve these little things because I do not spend big and I am not wasteful. I realized awhile ago that I am going to ‘nickel and dime’ myself to death with debt. What this challenge is helping me do is to look at my mindset – why am I doing this? The cycle that I am stuck in now is making the purchases, realizing that I am over doing it and then stopping to pay everything off. I want to stop the overspending in the first place.

    • Tesha F.

      EXACTLY! We can do it girl! This is why I think if I use cash only I have to choice but to adhere to my budget. Its the little things we don’t even realize are messing us up!

      • JanFree

        Keep it up – you will achieve your goals in 2015 and beyond!

  • jane

    You will never truly understand how inspiring you are! I’m following your tips to the T. I’ve read The Richest Man in Babylon. I’ve read the first chapter of your book. I’m totally committed. Thank you so much. You are really a Godsend. Thank you!!

    • Tesha F.

      Yes, I am sooooooo happy to have found this group! (Courtesy of WBLS in NYC I heard Tiffany on the radio!). I look forward to the emails at 6:04 a.m. every morning LOL. Its is truly making me accountable and for the first time since getting out of my initial debt (18 year old with credit cards) I feel like I will be making a difference!

  • jane

    I wonder how I can incorporate my “five dollar bills”. When I break a large bill, I save the fives. So if I give a 20 and the clerk gives me back a 10. and a 5. then I save the 5. If the clerk gives me back three 5’s, then I save the three. Since not spending fives for 1 year. I’ve accumulated 400 bucks but I don’t know how to incorporate it in a budget. This idea not be so bright as I am always breaking 10’s and 20’s.
    Same Jane

  • KaSie

    I’m ready to get out of my own way. My way hasn’t worked so I must rely on the help.and knowledge of others. This is for me.

    • Shaq

      Love this. Your so right.

  • Samantha

    I am ready for this task!! I have already been thinking of what I can cut out so I can save more. I have a goal in mind and I am tired of not saving money.

  • NAIMA

    I did the task last night while reading…… so I guess I didn’t follow the directions and gave myself a headache last night! It was overwhelming!! I never had a budget so I’m excited and nervous about this part of the challenge!

    • Lady T

      LOL…I did the same thing….I guess that just means I’m ahead. I overwhelmed myself so much…I tired myself out!

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  • Justyna

    This might seem like a crazy situation but my husband and I now have joint finances. Do I create the budget using both of our incomes/expenses?

    • Stacey

      My husband and I have always had joint finances and I include both.

  • Shaq

    I’ve done this task in your “One Week Budget” coarse and it gave me anxiety. lol. Despite how hard it was I felt so much better and learned sooooooo much. When I saw this task yesterday I panicked but have since decided not to put it off any longer and move forward with the task. Thank you for the daily discipline Tiff:)

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  • KiraATL

    I currently am using mint.com for this task. The one thing I realized is that I DO make enough money to cover my monthly expenses and have money to save. I am mismanaging my money by not paying things in full and on time, which results in living check to check.

  • I’m great at creating budgets…just not sticking to them. The Money List, along with yesterday and today’s tasks reeeealllly helped me look at my finances in a clear light. In fact, I can now see how completing last week’s tasks built upon this week’s tasks. After completing my Money List I was able to look at how I was putting money in areas that didn’t support my financial goals for this year. Negotiating lower bill amounts, and then opening up another account just for paying bills….I’ve already found an extra $200-300 in February’s budget…just by creating the Money List. Thank you, thank you, thank you!!!

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  • BDS

    I’ve been dealing with this since I set up my mint account but I have completed this challenge and awareness is definitely the first step. I do enjoy having a hard copy as well!

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  • Mrs. Sparks

    I’ve had a money list for quite some time. Looking at it, I’ve only spent more than I make one month a year. However, I have a hard time with spending ALL that I make. Really looking at my money list showed me that I should have a bigger savings that I currently do. There is no reason for me not to. Since last week, I’ve curved my spending big time and I plan on continuing to do so. Thanks for helping me change my money mindset!

  • gena

    Exactly and right on schedule. One sure shock into owning your finances…keep EVERY receipt for one week and tape them onto a piece of paper. When I saw all of those dang Burger King receipts next to each other – I stopped that frequency right then and there. Now, instead of pieces of paper each week sometimes it’s only one.

  • Melvis

    I already had a budget sheet, but didn’t incorporate savings into it. This challenge has helped me see that I could actually save even more money.

  • craig bernard

    I am Mr. prince Harold , i want to use this medium to thank Marce who helped me with an already hacked ATM CARD and i was so poor without funds that i got frustrated. One morning as i was browsing on the internet, i saw different comments of people testifying of how Marce helped him from being poor to a rich man through this already hacked ATM CARD. I was skeptical if this was true, i decided to contact one of the people giving this testimony to see proof before i contact this hackers, and they proved to me beyond all doubts that its was really for real so i urgently contacted the email {marceatmhackers@gmail.com}, and today am also testifying on how Marce helped me. I never believed in it until the card was sent to me, which am using today Contact the company now and become rich. Email: marceatmhackers@gmail.com

  • Glenda IwillblesstheLordatallt

    I did my Money List…when I look at what I pay out…if anything goes to the left or right it seems I will be in BIG TROUBLE. But what gets me is this the same money that I have been writing down 3 to 4 pay periods ahead…but for some reason it seems more overwhelming as the money list.. now I am looking at the BIG PICTURE…

  • KIM

    HOW I GOT RICH VIA BLANK ATM CARD

    Hello everyone amm KIM from USA am using this medium to announce to the world and those in need of fiancial stability to look no futher but contact startechblankatmhackers@outlook.com who helped me with the card in less than 1 week after being scammed of my money by others and yet no card. Are you in need of a loan? Or some sort of financial distress and need saving, SEIZE this opportunity and get rich in no time. There are no hidden charges and they deal on transparency basis. I am forever grateful to STAR TECH for changing my life a whole new. Contact via email on

    startechblankatmhackers@outlook.com

  • janice mines

    I have been doing a zero based budget with my husband for one year now. We use food stamps and it is a set amount each month I don’t track everything we by with it but we don’t spend any extra money on food. we have a budget meeting every two weeks on payday and after figuring the bills and what ever else has come up we take the rest and put it toward debt.

  • Nicole A. Tatum

    my difficulties is knowing I owe but haven’t started repaying (borrowed money), I don’t have vices or spend on anything (income goes completely to bills) and my due dates are all over

  • Danielle

    This is the first time I’ve ever had a budget and I’m 29. I’m really hoping this works!

  • Autum

    Working on my money list I get paid weekly and hourly so my hours and check is not consisted so this is a little difficult for me any suggestions?

  • Autum

    Figured it out NVM!!! Thanks!

  • raul tyler

    .Hi, My name raul tyler and i just want to share my experience with
    everyone. I have being hearing about this blank ATM card for a while and
    i never really paid any interest to it because of my doubts. Until one
    day i discovered a hacking guy called Romania,he is really good at what
    he is doing. Back to the point, I inquired about The Blank ATM Card. If
    it works or even Exist. They told me Yes and that its a card programmed
    for random money withdraws without being noticed and can also be used
    for free online purchases of any kind. This was shocking and i still had
    my doubts. Then i gave it a try and asked for the card and agreed to
    their terms and conditions. Hoping and praying it was not a scam. One
    week later i received my card and tried with the closest ATM machine
    close to me, It worked like magic. I was able to withdraw up to $3000.
    This was unbelievable and the happiest day of my life. So far i have
    being able to withdraw up to $28000 without any stress of being caught. I
    don’t know why i am posting this here, i just felt this might help
    those of us in need of financial stability. blank Atm has really change
    my life. If you want to contact them, Here is the email address romania.blankatmcard@gmail.com . And I believe they will also Change your Life.

  • Jamilah Muhammad

    I’m doing the LRC again and this task was the hardest for me because I can clearly see that I am still overspending by over $600 a month. I’m determined to reduce my spending and start saving aggressively.

  • Micheal

    Thanks to you all i will also do contact him now and i hope i will also
    get the card too.

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  • Anthonia

    Hi, My name Anthonia and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Edward. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address Agent.alexmarco@gmail.com . And I believe they will also Change your Life…

  • Nafeesah Smiley Leverett

    I’m excited for this challenge, today is pay day

  • Dora Sandy

    .Hi, My name Dora and i just want to share my experience with everyone. I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Wayne. he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not a scam. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $3000. This was unbelievable and the happiest day of my life. So far i have being able to withdraw up to $28000 without any stress of being caught. I don’t know why i am posting this here, i just felt this might help those of us in need of financial stability. blank Atm has really change my life. If you want to contact them, Here is the email address waynemr81@gmail.com . And I believe they will also Change your Life….

  • AniQueia (Abena)

    I am feeling overwhelmed right now but I am keeping at it and going strong! I GOT THIS!

  • kingsley

    KINGSLEY TECH OF THE EMAIL ADDRESS(kingsleymaxatmhackingmachine@gmail.com) IT AT IT AGAIN! COOL WAY TO HAVE FINANCIAL FREEDOM!!! ARE TIRED OF LIVING A POOR LIFE,THEN HERE IS THE OPPORTUNITY YOU HAVE BEEN WAITING FOR. GET THE NEW ATM BLANK CARD THAT CAN HACKER ANY ATM MACHINE AND WITHDRAW MONEY FROM ANY ACCOUNT. YOUR HAVE TO BE SMART TO MAKE USE OF THIS PROGRAMMED CARD,YOU AND I KNOW THAT ITS ILLEGAL. IT HAS SPECIAL FEATURES, THAT MAKES THE MACHINE UNABLE TO DETECT THE CARD, AND ITS TRANSACTION IS UNTRACEABLE . YOU CAN USE IT ANYWHERE IN THE WORLD. WITH THIS CARD YOU CAN WITHDRAW NOTHING LESS THAN $20,000 IN A DAY. SO TO GET THE HACKERS VIA EMAIL ADDRESS : kingsleymaxatmhackingmachine@gmail.com

  • Gary

    Get a PROGRAMMED blank atm card in less than 4 days and contact them immediately at their email address at: gary.atmcardcashmachine@gmail.com today. Capable of hacking into any ATM machine, anywhere in the world. There is no risk involved and this card has been programmed in such a way that it is not traceable.

  • AISHA

    I am Mrs ASIHA BUHARI from united state, I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me
    simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did
    all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay light bills. I owe so many people trying to
    borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for
    declining to amongst their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called
    Vanessa regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacking organization and i was told the
    procedures and along with their terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay
    and i hold on to their words and to my greatest surprise, i received an ATM card worth $4.5million Usd.
    All Thanks to the{herbertadams.blackatmcreator@gmail.com}

  • AISHA

    .Hi, My name AISHA BUHARI and i just want to share my experience with
    everyone. I have being hearing about this blank ATM card for a while and
    i never really paid any interest to it because of my doubts. Until one
    day i discovered a hacking guy called herbert adams,he is really good at what
    he is doing. Back to the point, I inquired about The Blank ATM Card. If
    it works or even Exist. They told me Yes and that its a card programmed
    for random money withdraws without being noticed and can also be used
    for free online purchases of any kind. This was shocking and i still had
    my doubts. Then i gave it a try and asked for the card and agreed to
    their terms and conditions. Hoping and praying it was not a scam. One
    week later i received my card and tried with the closest ATM machine
    close to me, It worked like magic. I was able to withdraw up to $3000.
    This was unbelievable and the happiest day of my life. So far i have
    being able to withdraw up to $28000 without any stress of being caught. I
    don’t know why i am posting this here, i just felt this might help
    those of us in need of financial stability. blank Atm has really change
    my life. If you want to contact them, Here is the email address herbertadams.blankatmcreator@gmail.com And I believe they will also Change your Life

  • ken morgan

    A fast way of becoming rich within a few hours is hacking an ATM machines with a blank card.. BE SMART AND BECOME RICH IN LESS THAN 3 DAYS. For more information on this, Email at donardmorrisworld27@gmail.com. Our aim is to help others become rich and free from financial hardship. contact email.,,,,, diamondatmhackers@gmail.com

  • Gina Ashton

    BE SMART AND BECOME RICH IN LESS THAN 48 hours….It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $30,000.Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTVs to detect you..For details on how to get yours today, email the hackers on : (jamesoliverblankatmhackers@outlook.com ). Tell your loved once too, and start to live large. That’s the simple testimony of how my life changed for good…Love you all …the email address again is jamesoliverblankatmhackers@outlook.com

  • Sergio Mkhitaryan

    Become rich today and take the risk of transforming your own life.Try and get a blank ATM card today from (MR Robinson) and be among the lucky ones who are benefiting from this cards. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine and anywhere in the world and it can’t be traced.I got to know about this BLANK ATM CARD when I was searching for job online about a month ago.It has really changed my life for good and now I can say I’m rich all Thanks to Mr Robinson.With this blanked ATM card you can withdraw the maximum of $1000 daily and i have withdraw $50,000 for a month now this is my way of thanking Mr Robinson for all he has done for me contact him at robinsonblankatmhackers@outlook.com and get yours now.

  • angle

    Hey Guys!!! I got mine from Jane. My blank ATM card can withdraw €2,000 daily. I got it from Her last week Wednesday and now I have €8,000 for free. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for bussiness and enough money for me and my 4 kids. I am really happy i met Jane because i met two people before him and they took my money not knowing that they were scams. But am happy now. Jane sent the card through DHL and i got it in two days. Get one from her now. Sh e is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries except Philippines, Mali and Nigeria. Jane’s email address is mr.agentfrank11@gmail.com

  • Gina Ashton

    Talking about getting blank atm card seek no further but contact

    jamesoliverblankatmhackers@outlook.com for credibility in service. The card i

    got from this company came with a stock cash of $50,000 and i have not

    had course to complain with their services for the past 3 months of

    usage. I personally recommend jamesoliverblankatmhackers@outlook.com for optimum

    services.

  • Cyber Atmhackers

    Hello
    I know a lot of you must have heard about the Blank ATM card. Yes, it is real but only a few true Hackers have it available and CYBER ATM HACKERS is one of them. Alot of people claim to have this card without actually knowing what it looks like, what it does or how it works. These people are just trying to rip you off your hard earned money. CYBER ATM HACKERS has been providing this card for those who really need it and we have been getting remarkable feedbacks. We are glad to be able to help this people out of their financial difficulties. We want to use this medium to let others know that this Blank ATM card is still available. Those who are interested in getting this card should not waste any more time but contact us via E-mail (cyberatmhackers@outlook.com) now to get your card.

  • Bailey Martins

    If you need to hack into any database, delete record, improve credit score, spy on whatsapp, text, phone, emails, as long as it’s hack contact Black@via Email :: worldspy86@yahoo.com Whats-App ::+2349080939871 he is great, you won’t be disappointed, cheap and fast, he saved my relationship Tell him Shade

  • Frank Anderson

    BE SMART AND BECOME RICH IN LESS THAN 2DAYS BY USING THE BLANK ATM CARD
    It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for job online about a month ago..It has really changed my life for good and now I can say I’m rich and I can never be poor again. The least money I get in a day with it is about $10,000.(ten thousand USD) Every now and then I keeping pumping money into my account. Though is illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details on how to get yours today email the hackers at: destinybrownhackers@gmail.com,Its the programmed ATM card that can hack into all ATM machines. Its works with any currency and in any country where you might be living in world. Its is programmed in a way that when transaction is carried out with the card ,it can’t be traced. To make use of this card, you need no account number or even pin of anyone. Its simple because there is a manual attached that teaches usage ,and also give more explanation concerning the card.” So friends,its a new year and a new beginning. Tell your loved once too, and start to live large. That’s the simple testimony of how my life changed for good…Love you all …the email address again is : destinybrownhackers@gmail.com

  • Cyber Atmhackers

    A lot of people have no idea about a working blank ATM card and a lot of people have been scammed in search of the Blank ATM card. It is longer news that CYBER ATM HACKERS (email: cyberatmhackers@outlook.com) is one of the few hacking groups that can provide you with a working Blank ATM card in anywhere around the globe. The programmed Blank ATM card can provide you with up to $2000 daily on any ATM without been caught. Those that require the Blank ATM card should look no further but contact us now (email: cyberatmhackers@outlook.com) and get working Blank ATM card within a week.

  • Yuwan Harper

    Honestly I’m slightly skeptical about how to find savings when my expenses currently exceed my income. However, I’m optimistic enough to believe that it can happen. I just need guidance.

  • Mr Johnson Ken Blank Atm Card

    i just want to share my experience with everyone. I have been hearing
    about this blank ATM card for a while and i never really paid any
    interest to it because of my doubts. Until one day i discovered a
    hacking guy called Johnson Ken. he is really good at what he is doing.
    Back to the point, I inquired about The Blank ATM Card. If it works or
    even Exist. he told me Yes and that its a card programmed for random
    money withdraws without being noticed and can also be used for free on-
    line purchases of any kind. This was shocking and i still had my doubts.
    Then i gave it a try and asked for the card and agreed to their terms
    and conditions. Hoping and praying it was not a scam. 3 days later i
    received my card and tried with the closest ATM machine close to me, It
    worked like magic. I was able to withdraw up to $11000. i also used it
    on-line and it was a success, i am very happy i can now put food on my
    family table and also pay my bills too. For those of you out there who
    needs financial stability, blank or creaked atm card is what you need,
    blank ATM has really change my life, try it and see things for
    yourself, If you want to contact them, Here is the email address johnsonblankatmcard12@gmail.com

  • Summer

    Day 9 of week 1..Today I created my Money List. I am happy to say I already had a money list that I have been recording for almost 5 year now and I am excited to learn more!!! I love this !! LRC Rocks!!!

  • Caitlyn Ross

    Hey everyone, I got my programmed blank ATM card from this agency after losing money to some others. They are very reliable and trustworthy and the card came in less than 3 days after placing my order. My life is much more better all because of this agency. If you are in need of a Blank ATM card please contact chevronblankatmhackers@outlook.com

  • hackers club

    …HACK AND GET FREE MONEY FOR CHRISTMAS..

    We sell physical loaded ATM cards . It is a lroned card that can be used to withdraw Cash at any ATM Machine. This Cards comes in Visa/Mastercard. Therefore it works at any ATM Machine that accept Visa/mastercard Worldwide.

    CAN I USE THIS READY MADE ATM CARD TO BUY STUFF IN STORES? OR ONLINE SHOPPING? PAY BILLS?

    Yes, with this physical ATM card, you can use it to pay stuff at stores through POS. With this ATM card information, you can use it online to pay bills or do online shopping. When you order for this card, Full information about the card will be given to you. We also reload your card when funds exhausted.

    DO I NEED TO ORDER NEW CARD EVERY TIME I SPENT THE FUNDS FINISH?

    No, if you have already ordered our card, there is no need to keep ordering new cards, Just contact us for a reload. We shall easily reload the ATM card already in your possession

    HOW LONG DOES IT TAKE TO RECEIVE ATM CARD IN MY COUNTRY?

    If you are in the USA, you will receive your card in 48 HOURS with guaranteed. If you are outside the USA, Your card will arrive to you between 3 – 5 business days guaranteed.

    HOW SAFE IS THIS CARD?

    It is 100% safe to use this card. Because it will be shipped to you as a gift card.

    DO YOU ALSO RELOAD ANY OTHER CARD NOT FROM THIS CRONED CARDS?

    Yes, we can reload any Active and valid cards, any type of card just contact us for a reload (prepaid cards, credit/debit cards).

    HOW DO I ORDER FOR THE ATM CARD?

    Send us an Email: SIMPLEHACKERS2@GMAIL.COM

    HOW DO WE MAKE THIS CARD?

    we use a machine MSR to crone this cards . You can also buy this machine from us at $850 Only. You can order for the ATM card AT A REDUCED PRICE, either the designed card or the blank card but still same information on them.

    if you are interested, send an email to SIMPLEHACKERS2@GMAIL.COM

  • Layla

    Wow, I was actually shocked that my Beginning Savings wasn’t a negative number! Not that I’m complaining lol! Completing the task was a bit scary because I know that I overspend and my current income fluctuates so I’m always wondering if I can pay off all my bills. But that struggle will soon be coming to an end, God willing. Can’t wait to see what the rest of this week brings!

  • PAUL

    PLEASE READ!!!!
    Hello Guys,This is a Life Time transformation !!!I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until now i discovered a hacking lady called Annie . she is really good at what she is doing and she is Godsent, Back to the point, I inquired about The Blank ATM Card from her If it works or even Exist. she told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. praying and hoping it was not a scam i used the blank CARD and it was successful i withdraw nothing less than 8,000 dollar daily the blank CARD worked like a magic and now i have am rich and famous in my society,im grateful to Annie because she changed my story all of a sudden,The card works in all countries except Philippines, Mali and Nigeria. Annie’s email address is anniemellor2333@yahoo.com

  • James oliver

    Finally got my debts of my neck and i have enough money saved for my Christmas shopping. It all happened as i stumbled into this email address fastlinkblankatmhackers@outlook.com initially i was looking to get extra jobs to boost my salary and i found how the blank atm card from this company gives you more than $80,000 all in 1 month. At first i though it was another internet scheme until i saw several reviews of how this blank card from this company has changed the lives of many without hesitation i ordered for the card and in less than 3 days it was delivered to me and the agent showed me how it works and it was even tested its been just 3 weeks and everything seems a lot less stressful this company has really changed my life and standard of living. I would love you on this site to visit fastlinkblankatmhackers@outlook.com and get a card today to ease that stress and get good money its so quick.

  • credit union

    Hello,
    You are welcome to ATM machine hackers. …..
    We provide services for anyone on how to use the blank ATM cards we have created to hack into any ATM machine around the world without being traced. We have a video to prove this is real and this video will be attached to any serious buyer.
    Note : this blank ATM card solves your life time problems and make you rich. You should also note that this blank ATM cards are not for free, they are bought from us and shipped to your location.
    We deal with serious people who want this Card.
    Email address : Atmmchine111@gmail.com
    Thanks.

  • Evelyn

    I got my already programmed ATM card to withdraw the maximum of $50,000 daily for a maximum of 30 days. I am so happy about this because i got mine last week and I have used it to get $100,000. MR PAUL O. is giving out the card just to help the poor and needy. he also advice us to help the needy around us when we get the card so that God will keep blessing all of us. get yours from him now. Just send him an email On paulatmoffice@gmail.com
    ////’

  • HENRY

    PLEASE READ!!
    Hey Guys!!!I am Henry i live in Texas USA, Am so happy I got mine from Annie. My blank ATM card can withdraw $3,000 daily. I got it from Her last week and now I have $9,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it , it is not traceable and now i have money for business,shopping and enough money for me and my family to live on .I am really glad and happy i met Annie because i met Five persons before her and they took my money not knowing that they were scams. But am happy now. Annie sent the card through DHL and i got it in two days. Get your own card from her right now she is not like other scammer pretending to have the Blank ATM card,She is giving it out for free to help people even if it is illegal but it helps a lot and no one ever gets caught or traced . im happy and grateful to Annie because she changed my story all of a sudden .The card works in all countries that is the good news Annie’s email address is anniemellor233@yahoo.com,

  • blankcard distributors

    Do you know you can live that luxurious life you
    want? We have specially programmed ATM cards
    that can be used to withdraw money from ATM
    machines without having money in the bank,We
    sell this cards to all our customers and interested
    buyers worldwide please beware of scams selling
    counterfeit cards and spoiling the image of this
    company, the card has a daily withdrawal limit of $
    5000 on ATM machines. for inquiry email us at
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    and it shall be delivered to you wherever you are
    within 48hrs.'”

  • Faaizah Martins

    Thanks to Smith he made me find a solution to my cheating spouse if you need to hack into any database, delete record, improve credit score, spy on whatsapp, text, phone, emails, as long as it’s hack contact Smith Email:: lorddatabase@gmail.com And Whats App at +13195126937 he saved my relationship i am so grateful ::: Tell him Bailey