Money Management 101 How to stretch your DOLLAR
|
|
- Kellie Ross
- 5 years ago
- Views:
Transcription
1 Money Management 101 How to stretch your DOLLAR 1
2 MONEY What is Money? It is a man-made common medium of exchange for goods and services. Your money is actually a part of your time and life. For example, if you are making $10.00 per hour and buy a shirt that cost $70.00, that is 7 hours of your life. Wealth is the total of everything you own that has value. Your wealth is essentially your money. Debt is an obligation to pay or do something. Net Worth is the difference between what you own (your wealth) and what you owe (your debt). 2
3 A Simple Bookkeeping System Fixed expenses included your rent, your Utilities, your car payment, car insurance and Health insurance. An envelope set aside for the food Weekly allowance should be included. If you are paid weekly and make $ per week, break down your monthly rent, etc. and each week placed the amount of money in each of the envelopes. If you pay $400. per month, then put $ in the rent envelope each week. If your car payment is $ per month; place $75.00 in your car payment envelope. Your payment is there when it comes due. 3
4 Personal Budgeting When staring your budgeting, track your money and find out what you have now and what you can reasonably expect to earn. Then in tracking your money, find out your typical pattern of spending. Why has your previous budgeting failed? The following are some reasons for failure: 1. Failure to prioritize expenses. 2. Failure to budget practically for normal out-of-pocket expenses like groceries and gas. 3. Failure to plan for the unexpected. 4. Failure to include quarterly or annual expenses. 5. Spending more money than you pocket. 4
5 How to Prioritize Expenses The Discretionary Unexpected Annual, expenses semiannual, typically buy that you could live without, but chances Expenses are are part of your normal out-of-pocket expenses the things you you won t. Failure quarterly to budget for discretionary expense is one of the top budget busters. Dental, medical, eye care Car repair and maintenance Chiropractic, prescription drugs Need to help parents License renewals, tax return Property taxes, insurance, Homeowners association fees, Monthly Weekly Discretionary Rent, Utilities On-going prescription drugs Cell phone, car payment, cable, internet Child Support payments, credit card payments Groceries, Child Care, Transportation, dog groomer, house cleaning Lawn service, personal care, SAVINGS (DON T FORGET TO PAY YOURSELF). Books, magazines, Entertainment, impulse purchases, snacks Dining, vacation, travel, membership fee. 5
6 10 Steps to Good Money Management 1. Pay Bills on Time. Organize due date to pay on time. Avoid any penalty. If you pay the minimum payment, add on the interest charge to the payment. 2. If you have credit cards, cut them up. On your past credit card bills, pay more than the minimum payment. If you have to pay the minimum payment, contact a debt relief company for help. 3. Read your bank statement carefully. What fees does your bank have? 4. Build an emergency fund. Work toward a three months living expense. 5. Prepare a will. Check with an attorney or the internet. How about a living will? Young people get into accidents, etc. 6. Shop around for the best insurance rates. 7. Follow a monthly budget. 8. Check your credit report annually for accuracy. 9. Contribute to some type of retirement account. You will get old. 10. If you are buying a home, comparison shop for the best deal on your mortgage. You may want to refinance. 6
7 Personal Finance is Easy The first step to establishing a budget or to control your money is to track your spending. Get receipts and write down the cost in a notebook, pone, PDA or computer for all of your expenditures. Be sure to group your spending into appropriate categories: eating out, groceries, entertainment, transportation, et. By recording your expenses, you will figure out your habits and become conscious of where your money goes. After a month of recording your expenses, start reviewing your expenses and see what areas you are spending too much on and come up with a plan to cut down or optimize your spending in those areas. 7
8 Bill Gates Interview In an interview a few months back on CNBC, Bill Gates (Founder of Microsoft) responded to a question on business with the following: Well, it s surprising that the fundamentals of business are pretty straight forward, you know. You try to take more in income than you spend in cost. The same could be said about personal finance. Personal finance at the most basic level is simply making sure that you are earning more than you are spending. Your discretionary income should be at a minimum of 10 percent. What is discretionary income? That is the difference left out of your income after you pay what you owe. INCOME EXPENSES = DISCRETIONARY INCOME 8
9 Practical Personal Budgeting Put the amount of money you had left after tracking your sending at the top of your budget. Next, add your net monthly income. You may have calculated this when you tracked your money, but if you didn t your net income is the money you take home each month. If you are paid weekly, multiply your weekly take home pay times 13 and divide by three to calculate your average monthly income. Add these figures together. Your total is your available cash for this month s personal budget. List your expenses by priority. List the total amount of each expense and the date it is due. One easy way, when your bill comes, write on the outside of the envelope the amount and the date due. Remember, allow time for mailing and posting by the company of your payment. 9
10 Making your Personal Budget Work 1. If you don t have enough money to take care of the priorities, you will need to find a way to generate more cash. Cut your own hair, color your own hair, do your own nails, do your own lawn, clean your own house, rent a $1 movie at the red box, ride a bike to work, have a garage or side walk sale. Look at your budget, what could you do without cable, place your cell phone coverage with another company? 2. If an expense is not a priority, roll it into next month s budget. However, if you cannot pay the minimum payment, contact the creditor. 3. Look over your expenses and see what you realistically are willing to sacrifice to make your budget balance. It may be that you can have only one beer a week or month or none at all. 4. Buy generic or store brands for groceries and personal care items. 5. Will your utility company allow you to make partial payment of utility bills? Do they have the averaging plan? 6. Carpool, ride the bus, ride a bike for a month to save on vehicle expense. 10
11 CREDIT CARDS Have you ever looked at the amount each dollar is costing you from that credit card company? Besides the cost for the money per dollar, add fees and finance charges. Who can afford to buy someone else s money? If you can t pay cash---you don t need it. 11
12 During Recession Times JOB No job. Take a job below your ideal salary and look for potential advancement. Can t find a job. There is nothing to lose which can be a great time for personal innovation and use that idea that s in the back of your mind. Become an entrepreneur. Do you make cakes well? Senior citizens need their lawns mowed; dog walked; car washed; and someone to get their medicine and food. Moms need help before school with kids and getting kids to school and after school care. It is time for BOOT-STRAPPING! 12
13 Leisure Time Have a low tech evening with your friends. Bring out old board games or invent a new board game. In 1939, the monopoly Game came out during the depression. The new TV show 60 second to win a million Dollars has shown some Very good games. Listen to talk shows on the radio. Go to the park. Find cardboa find cardboard and build battle fields or cities or subdivisions. 13
14 Uncertain about Values. Know your Values. Maybe you are not always clear about what your values are. Sometimes you act from one set of values, sometimes another One set of Values supports life, self-worth, and good relationships. The other set of values support pain, abuse, and death of your selfesteem. 14
15 Traditional Values These are traditional values that reflect responsibility. Influence Family Freedom Friendliness I enjoy having my opinion respected by others. I value and respect the people in my family. I want to be free as long as I am not harming myself or others. I want to do what is necessary to be a trustworthy friend. 15
16 Win-Lose Values Our culture makes us think that conflicts call for a different set of values. We switch our good values to using values designed for winning. We deceive, fight, put others down. Relationships suddenly turn nasty. You become a different person, and you are not happy. 16
17 Choosing Values In choosing your values, ask yourself these questions: Who do you want to be? How do you want to live? The trick to values is sticking with them. What kind of values do you have? 17
18 Relationships Relationships have a lot to do with values. Relationships take a lot of work. There is a problem with the prince on the white horse manure. There is a problem with the princess self-centered me-me-me. Realizing this, do you still want to form a healthy relationship with another person? 18
19 5 Ways to solve relationship problems. 1. Compromise: Nobody I always right or always wrong. 2. Do not attack: Don t bring up issues and problems that neither of you can change. 3.Focus on the NOW: Stick to the one issue that you are arguing about. 4. Show respect: Allow the other person to finish his/her statements. 5. Use I statements. Avoid you, us, or we when referring to the issue. 19
20 I Messages YOU Statements I Statements You never listen. I feel like you didn t listen to what I said when and I think you don t respect me. You always interrupt me. We do have the money and you would buy a new truck. I feel sad when you won t work the budget. I feel that you disrespect me and what I am doing to protect the family. 20
21 Look for Safe People to add to your inner Circle. What are safe people? They will not 1. Abandon you. 2. Tear your dream and goals down. 3. Try to make you into the person they want. They won t let you be yourself. 4. They will validate you and respect you. 5. You can trust what they say as they tell you the facts. They do what they say. 6. They will be there for you no matter what you are going through. So if you are having a financial crisis, they are there for you. If they see you needing, if they have it, they give it to you---not loan it to you. 21
c» BALANCE C:» Financially Empowering You Money Management Podcast [Music plays] Katie:
Money Management Podcast [Music plays] Katie: You re listening to money management. Hi, I m Katie, your host for today s podcast. When it comes to planning for your future, there s nothing more crucial
More informationCatalog of Seminars üfitness. Financial. (810) Empowered by ELGA Credit Union
Catalog of Seminars 2018 Our seminars are ready to meet you where you are financially and give you the tools to move forward from there. The budgeting skills you gain help put money back into your budget
More informationBudget Check List & Tips
Budget Check List & Tips Below you'll find a check list that will help you determine all of your expenses and income. Then you can decide where you can cut and where you can't to meet your goal. Trust
More informationHowever, it is possible to live without a paycheck for an extended period of time but only if you plan for it.
LIVING FROM PAYCHECK TO NO CHECK Smart Financial Planning Can Help You Get Through the Transitions ENGLEWOOD, COLORADO Have you ever spent a Friday afternoon daydreaming about quitting your steady full-time
More informationGOALS: LONG-TERM AND SHORT-TERM CRITERIA FOR SUCCESSFUL GOAL SETTING
GOALS: LONG-TERM AND SHORT-TERM Goals are divided into two types: long and short-term. Long-term goals provide targets to aim toward. They need not be specific; in fact, long-term goals should be flexible
More informationSuccess and the Single Parent: The Money Crunch 1
FCS2146 1 Millie Ferrer 2 Overview Step #1. Set Goals To do this first step, it s best to have some quiet time to think and plan. If possible, get up a little earlier than usual. This is an ideal time
More informationSTRAIGHT FACTS. About Spending, Saving, And 25Making Money
STRAIGHT FACTS About Spending, Saving, And 25Making Money There is so much conflicting and confusing information about spending, saving and making money that it s hard to know which way to turn! Here are
More informationfor Indigenous Peoples Workbook 1 Spending Plans
for Indigenous Peoples Workbook 1 Spending Plans Copyright 2017 ABC Life Literacy Canada First published in 2016 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks
More information5 Steps to Financial Success
Welcome! I'm so excited to help you better manage your finances. This may be your first attempt to get your finances in order or it may be your 10th attempt. It doesn't really matter. All that matters
More informationMoney How to Make It Keep It Grow It! By DC Cordova Excellerated Business Schools/Money & You Program
Special Report Habits For Success Money How to Make It Keep It Grow It! By DC Cordova Excellerated Business Schools/Money & You Program http:// Personal Habits Money Habits (including Financial Stewardship
More informationSpending Plan Booklet. Your road map to financial success
Spending Plan Booklet Your road map to financial success 1 This booklet will lead you on the right track to creating a spending plan and sticking to it. Don t be afraid of the size! We ve provided you
More informationFinancial Wellness Assessment
Financial Wellness Assessment This assessment is designed to gauge financial wellness and serve as a tool in the financial coaching process. Its purpose is to encourage open conversation about money and
More informationwhich all children and young people have the skills, knowledge and confidence to manage their money well, now and in the future.
About The Author Tiffany Tang was a former Financial Controller for INTI Education Group, Malaysia (part of Laureate International Universities, United States of America). Previously, she worked as a Regional
More informationMy current net worth By <insert day> <insert month> of <insert year> I will have increased my net worth by $ I will do this by:
Worksheet 1. Taking Control of your financial life My current net worth By of I will have increased my net worth by $ I will do this by: 1. 2. 3. My 90 Day Wealth
More informationGoals may be short term, medium term or long term. A short. term goal is something you want to do in the next one to four weeks.
Budgeting Setting Money Goals Money can help us achieve our dreams in life. Setting goals can help you. You can make a plan to get to those dreams. You need to set specific goals. You need to find out
More informationThe Key to It All: YOUR PERSONAL MONEY MAP NUMBERS
MODULE 2 * TO USE THE INTERACTIVE FIELDS IN THIS DOCUMENT, PLEASE DOWNLOAD AND OPEN WITH ADOBE READER The Key to It All: YOUR PERSONAL MONEY MAP NUMBERS Hi and welcome to module 2! You are about to begin
More informationThe rubric is attached on the last page. Look at it carefully so you know how you will be assessed. Ready or not let s jump 10 years in the future!
Name Hour CONGRATULATIONS! You just graduated from college and are officially on your own. In this webquest, you will be budgeting your life for an entire month. You get to pick a job and a car, decide
More informationHow to not freak out about your finances. (It s really not that bad)
How to not freak out about your finances (It s really not that bad) 1. 2. 3. 4. Spending Saving Debt Earning If you learn nothing else... By the end of this talk, you should know: (don t worry, you can
More information20 WAYS TO IMPROVE YOUR FINANCES IN UNDER 20 MINUTES
20 WAYS TO IMPROVE YOUR FINANCES IN UNDER 20 MINUTES We are all busy, sometime it is really difficult to take the time to think about and act on ways to improve our finances. In the past, I have repeatedly
More informationFinancial Well-being BEGINNING YOUR JOURNEY
Financial Well-being BEGINNING YOUR JOURNEY BEGINNING YOUR JOURNEY TOWARD FINANCIAL WELLNESS Recent surveys indicate that between 70-85% of Americans are experiencing some level of financial stress. If
More informationNovember 2018 YOUR EMPLOYEE ASSISTANCE PROGRAM (EAP) NEWSLETTER
How to be Assertive, Not Aggressive, at Work Are you reluctant to speak up when you re being treated unfairly at work? You don t have to suffer in silence. You can learn how to assert yourself without
More informationand Key Points for Pretty Houses
and Key Points for Pretty Houses Last Updated 3/30/2018 Script To Call Back A FSBO With a Yes on B (Property Info Sheet) Hi, this is calling about the house you discussed with my assistant yesterday. Do
More informationHOMEProgram. Homeowner Management Education. Alabama A&M and Auburn Universities HE-792
HOMEProgram Homeowner Management Education www.aces.edu Alabama A&M and Auburn Universities HE-792 Welcome HOME! You are about to buy your own home! That is a wonderful thing. Owning your own home is a
More informationIS YOUR PLAN WORKING? Why a Home Business Make Dollars and Sense
A Good Job Second Income Investments Uncle Sam Wants to Help Decide When You Deserve a Raise Decide When You Want to Work What Should You Look For No marketing or sales experience required for success
More informationBack to School Expenses
Strategies for Conquering Back to School Expenses Introduction Back-to-school can be a difficult time for many families. Money wasn't there for you to tackle the long booklist from your child's school
More informationDo you know how to look after your money?
We all want a better life. And a better life is possible. A good place to begin is learning to love and care for the things we have. Then you have a lot, my friend. And all of those are very valuable.
More informationA Place to Start: Spending Plans. How much money do I have? Where does it go? How can I reach my goals?
How much money do I have? Where does it go? How can I reach my goals? Learning Outcome: Learn ways to get the most out of your money. What Will You Learn? This unit is about spending plans. A spending
More informationHow to Identify Needs vs. Wants
Page 2 How to Identify Needs vs. Wants Page 3 Spending Tips Page 5 Tips to Saving Money Page 8 Budgeting Tips How to Identify Needs vs. Wants Knowing how to manage money is one of the most important life
More informationSecrets to Financial Happiness for a Lifetime
Secrets to Financial Happiness for a Lifetime Peggy Olive, Financial Capability Specialist UW-Madison Extension / Center for Financial Security Find budget worksheets & more at: bit.ly/makingmoneywork
More informationguide for single parents
guide for single parents PERSONAL FINANCE 1. you must fully understand your income sources One of the biggest challenges in running a one parent household is the fact that this generally means that you
More informationand Key Points for Pretty Houses
and Key Points for Pretty Houses Last Updated 12/11/2017 Script To Call Back A FSBO With a Yes on B (Property Info Sheet) Hi, this is calling about the house you discussed with my assistant yesterday.
More informationCitizens Advice financial capability
BDB1 Which are essential or non-essential? Step 1 - Next to the words below, please mark E if you feel that the word is an essential priority, and N if you feel it s not essential to pay it. Step 2 - Of
More informationManifest. Your. Success. Module 1 Transcript Worksheet Handout Bonus
Manifest Your Success Getting Clear: In order to create the changes you want in your life, you need to be absolutely clear on what they are. Any lack in clarity makes it much harder to achieve your goals.
More informationGetting Paid for Your Opinion Your Guide to Online Surveys
Getting Paid for Your Opinion Your Guide to Online Surveys 1 2 GETTING PAID FOR YOUR OPINION 1 INTRODUCTION Many people today are shedding the corporate world and working from home. With the cost of childcare,
More informationUpon successful completion of this Lesson, the student will be able to:
Week 2 Objectives: In this week you will be introduced to Household Budgeting Upon successful completion of this Lesson, the student will be able to: Compare opportunities and strategies for attaining
More informationYour 12 Step Guide to Future Financial Freedom
www.planreview.ie Your 12 Step Guide to Future Financial freedom can sound like a pipe dream when you re working hard, raising a family and coping with everything life throws at you. However, no matter
More informationUnderstanding Your Money
Understanding Your Money Check the Paycheck Before we get started. Are you doing this alone? If so, fine. But if you have a spouse or any other person that shares the bills or financial obligations, make
More informationThey Grow Up So Fast: A Project on Budgeting
They Grow Up So Fast: A Project on Budgeting Task Due date 1) Your family 5/28 2) Get a Job 5/28 3) Death and Taxes 5/28 4) Roof Over Your Head 6/3 5) Get Your Motor 6/3 Running 6) Oh My Darling Babies
More informationA MAN IS NOT A PLAN ON BEING A SELF-RELIANT, FINANCIALLY SECURE WOMAN. Or how I saved my own financial future, and you can, too.
A MAN IS NOT A PLAN ON BEING A SELF-RELIANT, FINANCIALLY SECURE WOMAN Or how I saved my own financial future, and you can, too. MY STORY MY STORY My name is Kathy Fish. I am a woman, a wife, a mother,
More information25 Reasons You Are Not a Millionaire
25 Reasons You Are Not a Millionaire There seems to be the impression that the only reason that people aren't able to become millionaires is because they don't work hard enough. The truth is that hard
More informationWorksheet #33: Want it All vs. Need it All
Worksheet #33: Want it All vs. Need it All When it comes to money, people usually spend money on what they need or want. What's the difference between a need and a want? I think a need is. I think a want
More informationPREFACE. Money, Money, Money! The success and paradigm shift that brought forth modern Western Capitalism has
PREFACE Money, Money, Money! The success and paradigm shift that brought forth modern Western Capitalism has got the world singing one song and one song only: Money, Money, Money! I believe in capitalism
More informationMath 9 Career Project When I Grow Up.
Math 9 Career Project When I Grow Up. Have you ever thought about what you want to be when you grow up? God has blessed you with so many unique talents that He wants you to use to glorify Him. He has given
More informationThe Ultimate DIY Guide to Getting Great Press
The Ultimate DIY Guide to Getting Great Press Cheryl Tan How do you stand out in a crowded industry? For a small business owner, that s the million-dollar question. What can you do to raise your visibility
More informationTINY HOUSE LOANS YOUR QUICK GUIDE TO TINY HOUSE LOANS
TINY HOUSE LOANS YOUR QUICK GUIDE TO TINY HOUSE LOANS ALEX PINO Disclaimer The ideas in this book are the authors observations and opinions and should not be taken as professional or financial advice.
More informationManaging the uncertainty of job loss.
Managing the uncertainty of job loss. Managing the uncertainty of job loss. You re not generally planning for redundancy so when you get the news you are often unprepared. 4 Redundancy digesting the big
More informationLesson II Seeing Budgeting Clearly
1 Lesson II Seeing Budgeting Clearly Anybody recall any characteristics of a marketing economy? Can anybody recall any characteristics of a marketing economy? Andrea? [ responds, The individuals like determine
More informationWelcome to our first of webinars that we will. be hosting this Fall semester of Our first one
0 Cost of Attendance Welcome to our first of --- webinars that we will be hosting this Fall semester of. Our first one is called Cost of Attendance. And it will be a 0- minute webinar because I am keeping
More informationWould You Like To Earn $1000 s With The Click Of A Button?
Would You Like To Earn $1000 s With The Click Of A Button? (Follow these easy step by step instructions and you will) - 100% Support and all questions answered! - Make financial stress a thing of the past!
More informationLEARN HOW TO MAKE EASY MONEY
LEARN HOW TO MAKE EASY MONEY How To Make Money Easy And Fast No Hard Work Do You Need Money? Find Out How!!?!! As You Seen On Oprah And 20/20 Oprah Winfrey and ABC's ***** investigation team 20/20 also
More informationYOU WERE BORN RICH MASTERMIND GUIDE
YOU WERE BORN RICH MASTERMIND GUIDE MEETING # 3 - FACILITATOR S OUTLINE Welcome the group to Meeting #3. Review the quote from Earl Nightingale at the beginning of the Chapter, Most people think they want
More informationFinancial Goal Setting Workbook
Financial Goal Setting Workbook How To Set Financial Goals That Actually Make You Happy From The Ways To Wealth By: R.J. Weiss CFP Introduction Life moves pretty fast. If you don t stop and look around
More informationCLIENT QUESTIONNAIRE PLEASE FULLY COMPLETE THIS FORM, PRINT CLEARLY. DO NOT LEAVE ANYTHING BLANK. PUT N/A IF THE QUESTION DOES NOT APPLY TO YOU.
CLIENT QUESTIONNAIRE PLEASE FULLY COMPLETE THIS FORM, PRINT CLEARLY. DO NOT LEAVE ANYTHING BLANK. PUT N/A IF THE QUESTION DOES NOT APPLY TO YOU. FULL NAME: FIRST MIDDLE LAST Have you used any other names
More informationYour Financial Plan: Where It All Begins
By the end of this unit, you will: Examine why it s important to have a plan for your money Know what SMART goals are Analyze how you get and spend money Use the decision-making process to create your
More informationThey Grow up so Fast: A project on budgeting
They Grow up so Fast: A project on budgeting The objective of this project is for you to set up a budget that would allow you to live the type of life you would like, as well as to understand what skills
More information15. Be thrifty. Every penny counts. Scour the newspaper for sales. If you can get something used, do it. Reuses and recycle as well.
- 1 - 1. Take time to plan. Invest time in working out a long term and short term financial plan. The worst thing one can do is start trying to accumulate wealth without a real idea of what they are going
More informationONTARIO MINISTRY OF EDUCATION
ONTARIO MINISTRY OF EDUCATION ************************************************************************ Financial Literacy in Grade 10 Guidance and Career Education GLC2O ************************************************************************
More informationRedundancy Digesting the big news
Redundancy Digesting the big news Securitor Financial Group Limited ABN 48 009 189 495 AFSL 240687 You re not generally planning for redundancy so when you get the news you are often unprepared. Don t
More informationBuyer Counseling Interview Questionnaire
Buyer Counseling Interview Questionnaire Directions: This questionnaire is perfect for couples who are considering purchasing either their first home or their next home. This is best filled out when both
More informationBuying and Holding Houses: Creating Long Term Wealth
Buying and Holding Houses: Creating Long Term Wealth The topic: buying and holding a house for monthly rental income and how to structure the deal. Here's how you buy a house and you rent it out and you
More informationHitting the Targets for Healthy Weight Management and Your Heart
Decide 2 Care for Y u Hitting the Targets for Healthy Weight Management and Your Heart Your Problem-Solving Workbook A Research Study Collaboration with University of Colorado Denver The University of
More informationCONTENTS. i: INTRODUCTION 1: WHY MANAGE YOUR MONEY? 2: IDENTIFY 3: UNDERSTAND 4: EXECUTE 5: MANAGING YOUR CALENDAR 6: BUILDING YOUR EMERGENCY FUND
C O N T E N T S CONTENTS i: INTRODUCTION 1: WHY MANAGE YOUR MONEY? 2: IDENTIFY 3: UNDERSTAND 4: EXECUTE 5: MANAGING YOUR CALENDAR 6: BUILDING YOUR EMERGENCY FUND 7: UNDERSTANDING DEBT 8: INVESTMENTS 9:
More informationThe Layoff Checklist
The Layoff Checklist Denise P. Kalm Kalm Kreative, Inc. DBA DPK Coaching It won t happen to me, we tell ourselves, wiping the fear sweat off our brows. And yet, for too many of us, a layoff is an inevitable
More informationGame or bike? Movie or shoes? Chocolate sundae with extra rainbow sprinkles on top?
Game or bike? Movie or shoes? Chocolate sundae with extra rainbow sprinkles on top? One of the best things about having your own money is that you get to decide how to spend it. Whether you get a weekly
More informationWriting a Business Plan
Writing a Business Plan Writing a business plan A really effective plan is a blueprint for your business. Its purpose is to detail what you want to achieve and how you re going to achieve it. You may be
More information2015 Farnoosh, Inc. 1 EPISODE 119 [ASK FARNOOSH] [00:00:33]
EPISODE 119 [ASK FARNOOSH] [00:00:33] FT: You're listening to So Money everyone. Welcome back. I'm your host Farnoosh Torabi. For all you mothers out there, happy Mother's Day! It's funny, I'm a mother
More informationProfitable Consulting Fees
Profitable Consulting Fees Brought to you by: ConsultingVideos.com Copyright (C) 2008 - ConsultingVideos.com Page 1(22) Calculate Hourly Consulting Fees - Method 1 - Copyright (C) 2008 - ConsultingVideos.com
More informationCasey Life Skills. Description
Casey Life Skills Description Casey Life Skills is free, online youth-centered exploration tool appropriate for all youth aged 14-21 that assesses life skills youth need for their well-being, confidence
More informationRedundancy Digesting the big news
Redundancy Digesting the big news 2 Redundancy digesting the big news Contents 1 Try to keep positive 2 Check your payments 3 Make a new budget 4 Stop unnecessary outgoings 5 Review your loans 6 It s not
More informationstaying ON BUDGET: ACTIVITY PACK in partnership with
staying ON BUDGET: ACTIVITY PACK The Scout Association Registered Charity Numbers 306101 (England and Wales) and SC038437 (Scotland). introduction If you had money to spend, what would you spend it on?
More informationWhat Do You Think? With a partner, indicate whether each statement is True or False: Teens get most of their money from part-time jobs.
NEFE Unit 1 - Your Financial Plan: Where It All Begins It is possible for you to do all of these things if you get savvy about managing your money. In this unit, you will begin your journey toward savvy
More informationS. Miller Hello. I m introducing our third speaker. My name is Sarah
Wi$e Up Teleconference Call October 31, 2005 Being a Business Owner Speaker 3 Leslie Michael S. Miller Hello. I m introducing our third speaker. My name is Sarah Miller. I would like to introduce Ms. Leslie
More informationNegotiating Essentials
Negotiating Essentials 1 Negotiating Essentials How to negotiate with your landlord about problems Being a tenant is not always easy for everyone. It is a situation that you sometimes have to deal with
More informationClass 1 - Introduction
Class 1 - Introduction Today you're going to learn about the potential to start and grow your own successful virtual bookkeeping business. Now, I love bookkeeping as a business model, because according
More information101 Money Saving Tips
1. Use solar powered light fixtures. 101 Money Saving Tips There are lots of light fixtures today that can be powered by the sunlight. In using them, you would be able to save lots of money, since your
More informationTable of Contents. Introduction I M ON MY WAY TO TOMORROW Chapter 1 I VE HEARD OF THE MONEY PIT BUT THE MONEY TOOL?. 4
PART ONE Table of Contents Introduction I M ON MY WAY TO TOMORROW............. 2 Chapter 1 I VE HEARD OF THE MONEY PIT BUT THE MONEY TOOL?. 4 I WON THE LOTTERY!....................... 5 MONEY VALUES.........................
More information10 Ways to Embrace the Frugal Life
10 Ways to Embrace the Frugal Life To truly enjoy everything they want out of life, many people have been turning to frugal living. By embracing the frugal life, they have been able to get rid of debt,
More informationPRACTICAL MONEY GUIDES BUDGET BASICS. Learn to create and stick to a budget
PRACTICAL MONEY GUIDES BUDGET BASICS Learn to create and stick to a budget IT'S EASY TO CREATE A BUDGET THAT WORKS FOR YOU A budget can help you pay your bills on time, cover unexpected emergencies, and
More informationDON T SABOTAGE YOUR DREAM.
DON T SABOTAGE YOUR DREAM. The home you ve dreamed about is right around the corner. You ve done all the right legwork up front: You ve gotten pre-approved for a mortgage. You re working with a great real
More information5 Steps to Buying a Used Car Nissan24auto.com 1016 Belmont Street Brockton, MA 02301
FREE EBOOK 5 Steps to Buying a Used Car 1 5 Steps to Buying a Used Car After a great deal of deliberation, you ve finally decided that it s time to trade in your current vehicle for something nicer. Nevertheless,
More informationGift Basket Business Development Series From Gift Basket Network Construct Your Business with a One-page Business Plan
Gift Basket Business Development Series From Gift Basket Network Construct Your Business with a One-page Business Plan Joyce Reid The One Page Business Plan Only you know yourself and your business so
More informationThe revolting staircase
10 The revolting staircase Aidan Anderson Go to university, they said, you ll need it to get a job. Get a job, they said, you ll need it to buy a house. Buy a house, they said, you ll need it to get a
More informationMax Learns About Money Slideshow Notes for Presenter
Max Learns About Money Slideshow Notes for Presenter Slide 1 MAX LEARNS ABOUT MONEY Slide 2 Max Learns About Money is part of the Northwest Youth Financial Education Money Skills for Life Program. This
More informationLesson Twenty-Six: Creating Your Ideal Client Profile
Lesson Twenty-Six: Creating Your Ideal Client Profile ACTION: Identify and Focus on Your Target Market During the course of my many conversations with coaching clients, I have found that many don t have
More informationcandidate interview strategies Presented by DaVita Source SM
candidate interview strategies Presented by DaVita Source SM Before you leave home In order to interview well, you should give some serious thought to the process. Simply showing up and winging it generally
More informationPREPARING FOR GRADUATION
PREPARING FOR GRADUATION IT TAKES COURAGE TO GROW UP AND BECOME WHO YOU REALLY ARE. -E E CUMMINGS CONGRATULATIONS! Graduation is just around the corner, and you ll find yourself facing many decisions that
More informationHow to Become Rich Using just $10 Monthly!
How to Become Rich Using just $10 Monthly! Read it and... 1 - Learn How To Become very Successful and Rich! Give it away and... 2 - Watch How it Becomes Your own Personal Recruiting Machine! Give it away
More informationOur home buyers guide. Making it easier for you to buy a home you ll love
Our home buyers guide Making it easier for you to buy a home you ll love 1 Introduction / Our home buyers guide Buying your new home Buying a house is a big step, whether you ve done it before or you
More informationChild Friendly Safeguarding Policy
Child Friendly Safeguarding Policy Woodside Primary is our school and we want it to be a safe place. The adults in Woodside Primary will do everything they can to make sure you are protected and happy.
More informationUnit 1: You and Your Money
Unit 1: You and Your Money Vocabulary a coin (some coins) change a penny (pennies) a nickel (nickels) a dime (dimes) a quarter (quarters) a half dollar (half dollars) a dollar bill (dollar bills) a check
More informationthe four stages of your financial life
the four stages of your financial life PERSONAL FINANCE Everyone wants to have a stress-free financial life. In order to make financial progress, there have to be goals and milestones to measure your progress.
More informationThe Spiritual Laws of Money: T. Harv Eker's Secrets of A Spiritual Millionaire
1 YOUR OFFICIAL ONLINE EVENT GUIDEBOOK 4 Simple Tips To Get The Most Out of This Class: 1. Print out this workbook before the class starts so you can write down your notes as you listen. 2. Review the
More informationThe Changing Face of Benefits. Samuel s Journey. Do you receive Social Security Disability Insurance? Do you want to find a job and go to work?
The Changing Face of Benefits Samuel s Journey Do you receive Social Security Disability Insurance? Do you want to find a job and go to work? Meet Samuel, he has the same goal. Developed by National Office:
More informationTrending News. In This Issue: TD Wealth Private Investment Advice. September 2018
September 2018 Trending News TD Wealth Private Investment Advice 5140 Yonge Street, Suite 1600 North York, ON M2N 6L7 Toll free: +1 866-241-5235 Fax: 416-512-6224 TDMKGRP@td.com http://mktotalwealth.com/
More informationIf you don t design your own life plan, chances are you ll fall into someone else s plan. And guess what they have planned for you? Not much.
If you don t design your own life plan, chances are you ll fall into someone else s plan. And guess what they have planned for you? Not much. Jim Rohn Hello my name is Tony Berry and I am creator of The
More informationPlanning 10 Summer 2015 Assignment #1 Budgeting for a Car
By completing this assignment, you will work towards satisfying the following prescribed learning outcomes: Demonstrate financial literacy related to budgeting skills Demonstrate financial literacy related
More information19 Ways to Create the Money You Need Every Time!
19 Ways to Create the Money You Need Every Time! Ever hear this from a prospective client? "I really want to work with you, but I just don't have the money!" Uggghhh! This is, hands down, the biggest objection
More informationSession 4 - Unbundled Legal Services: The Business Perspective
Unbundled Legal Services: The Business Perspective Paul Barrera paul@northcitylaw.com Jessica Lewis jessica@northwestadvocacy.org A Few Notes Throughout this presentation: When we say you we mean you,
More informationPart 1 DECIDE HOW MUCH YOU WANT COPYRIGHTED MATERIAL
Part 1 DECIDE HOW MUCH YOU WANT COPYRIGHTED MATERIAL DECIDE HOW MUCH YOU WANT 3 It s no use saying I just want to have loads of money that s not going to work. Instead, you must build a picture so real
More informationC Fast-Dealing Property Trading Game C
AGES 8+ C Fast-Dealing Property Trading Game C Original MONOPOLY Game Rules plus Special Rules for this Edition. CONTENTS Game board, 6 Collectible tokens, 28 Title Deed cards, 16 FRIENDS cards, 16 ENEMIES
More information