I don't know enough about your business to know whether you will ever get a positive ROI on Facebook ads, but a clear call to action and more targeted copy will

I don't know enough about your business to know whether you will ever get a positive ROI on Facebook ads, but a clear call to action and more targeted copy will have a world of difference in terms of conversion. Compare the author's: "Easy to use, free online budget" to "Scared of being in debt? Get your FREE budget report instantly. Click here to request info." I'm not saying that's the ideal copy, but you have to get people's interest and explain more. Make it specific to a location like "Virginia" or "Sydney" or "Melbourne" or "Kentucky" and target those specific places you'll get a higher CTR and conversion. The mobile vs. desktop part is a whole other discussion.