Budget Seminar. Cari Bray, Branch Manager Southeast Branch December 6, 2017
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1 Budget Seminar Cari Bray, Branch Manager Southeast Branch December 6, 2017
2 Introduction Cari Bray, Southeast Branch Manager
3 Agenda What is a Budget? Key Terms Short Term and Long Term Effects, Consequences Where to Start Making Your Budget a Reality
4 Write Down One (1) bill that worries you the most One (1) dream you can t afford One (1) goal you can attain in 12 months What you would do with extra 100/month
5 What is a Budget? Definition: A comparison of your income and expenses over a period of time. Income Expenses = Budget Source: Merriam-webster.com
6 What is a Budget? What is my income? Payroll Social Security Annuities Child Support Alimony Rental Property Investments Windfalls What are my expenses? Housing Transportation Insurance Food Utilities (electricity, water, phone, internet, TV) Auto/Life/Home Insurance Education Child care Student Loans Can you name more?
7 Most Commonly Overlooked Budget Items Emergencies Taxes Where are the savings? Health Care Retirement Planning Auto Maintenance (oil change, new tires, etc.) Home Maintenance (HVAC, roof, windows, lawn care, etc.) Extracurricular activities Organization dues, subscriptions and memberships Birthdays, holidays or celebrations Mandatory continuing education for employment Pet Care Discretionary spending such as restaurants, clothing, school lunch or kid s allowance
8 Measurements of a Healthy Budget Net Worth DTI
9 What is Net Worth? Definition: A key measure of how much an entity or individual is worth. A consistent increase in net worth indicates good financial health. Assets Liabilities = Net Worth Source: Investopedia.com
10 What is Net Worth? What are my assets? Real Estate Automobiles RVs, other vehicles Jewelry and household items Retirement accounts, stocks, bonds, investments, life insurance (cash value) Cash What are my liabilities? Mortgage Auto loans Student Loans Credit card debt Personal loans 401k loans* What about depreciation?
11 What is Debt to Income Ratio (DTI)? Definition: A personal finance measure that compares an individual s debt payment to his or her overall income. DTI is one way lenders measure an individual s ability to manage monthly payment and repay debt. Recurring Monthly Debt Gross Monthly Income = Debt-to-Income Ratio Did You Notice? DTI did not include your entire budget! Never rely on a lender to ensure that you can afford that loan payment! Source: Investopedia.com
12 DTI Example A Income Gross Monthly Income: $4,000 Total Income: $4,000 Debts Mortgage Payment: $1,000 Car Payment: $200 Credit Card 1: $25 Credit Card 2: $100 Total Debt: $1,325
13 DTI Example B Income Gross Monthly Income A: $2,000 Gross Monthly Income B: $1,000 Total Income: $3,000 Debts Rent Payment: $675 Car Payment: $200 Credit Card 1: $125 Credit Card 2: $100 Care Credit: $150 Payday Loan: $75/week $300 Total Debt: $1,550
14 Let s look at a Credit Report
15 What Happens if I Don t Budget?
16 Short Term & Long Term Consequences Impacts to your Credit Score Hidden costs Not prepared for emergencies Not able to borrow because of collections, poor score Garnishments Judgements and Liens
17 Hidden Costs - Payday Loan Trap Income Earned! Woohoo! Bills Paid! Woohoo! Spending! Woohoo! Nothing Saved. Whoops. Emergency! Uh oh. Credit Card Swiped. Whew! Minimum Payment Made. Meh. Debt Grows. Ugh. Spending Nothing Saved Perpetual Debt Cycle Minimum Debt Payments Income Earned Expenses Paid
18 Emergency Loans - Paydays
19 Emergency Loans - Paydays
20 Hidden Costs Consumer Loans
21 Hidden Costs Mortgage Loans
22 Hidden Costs Credit Cards
23 Credit Card Debt & Minimum Payments Factors That Affect Credit Score Types of Credit Used 10% New Credit 10% Payment History 35% Length of History 15% Amounts Owed 30%
24 Brace for Impact Your Budgeting History Impacts Your Ability to Borrow! Repayment history Did your budget allow you to pay on time? Total debt load Does your income support what you ve already borrowed? What about borrowing more? Do you have outstanding collections or judgments that need attention? Your Budgeting History Impacts Your Cost to Borrow! Lower score = higher interest rates = higher payments = more cost to you.
25 Where Do I Start?
26 Where Do I Start? Step 1: Be honest! What are my spending habits? Are hobbies or habits creating vampire debt? Needs vs Wants
27 How do I know my numbers? Know what s on your credit report Annualcreditreport.com Vantage Score Monitor your spending Online & mobile banking tools
28 Needs Wants Analyze Spending Savings 10% Housing 35% Savings 10% Housing 35% Mortgage/Rent Repairs Taxes Utilities Insurance Other Living Expenses 25% Dining out Vacations Entertainment Clothing Other Living Expenses 25% Debt 15% Student Loans Credit Cards Personal Loans Transportation 15% Debt 15% Transportation 15% Car Payments Gas Insurance Repairs Parking/Tolls Train/Bus Fees Source: Jeanchatzky.com
29 How do I fix my mistakes? Step 2: Set a SMART goal. GOAL: I WANT TO SAVE $1,000 FOR CHRISTMAS SPENDING FOR Specific? For Christmas Spending Measurable? $1,000 Attainable? $1,000/26 pay weeks = $38.50 per paycheck Relevant? You decide. Timely? One year, date of December 2018
30 How do I fix my mistakes? Step 3: Prioritize. PAY YOURSELF FIRST! Debt is an emergency. Plan for large expenses. Reach your goal. Live.
31 How do I fix my mistakes? Step 4: Write the Budget. S.M.A.R.T review Tools for budgeting
32 NEW Widget: Budgets
33 NEW Widget: Savings Goals
34 What does a budget actually look like? Let s take a look!
35 How do I fix my mistakes? Step 5: Stick to the Plan or Start over at Step 1! 1. Be Honest 5. Stick to the Plan 2. Set a Goal 4. Write the Budget 3. Prioritize
36 Making Your Budget a Reality
37 What tools can help me pay myself first? For Saving: Christmas and Savers Clubs are available to help save for big events or periodic large payments. Share Certificates can protect your savings and help it grow! Sub Shares can help you separate periodic bills from monthly expenses. Tip: Use automatic transfers or payroll deposits to direct funds straight to your savings share!
38 What tools can help me save money? For Consolidation & Refinancing: Low-rate Credit Cards can help consolidate your debts with cash back! Low-rate Personal Loans can help cover unexpected expenses or consolidate other debts. PFCU Consumer Loan Originators can help identify other ways to utilize your assets to catch up. PFCU Mortgage Loan Originators can help identify ways to use your home s value to create a fresh start. Tip: Use automatic payments to make loan and credit card payments on or before the due date.
39 What tools can help me stay honest? For Money Management: Prime Online is convenient to monitor account balances and spending, and has an option to transfer transactions to QuickBooks or Excel. Prime Mobile to quickly review activity, transfer funds or pay loans from your mobile. Bill Pay allows you to easily make single or multiple payments at one time, establish recurring payments and funds are withdrawal immediately. Widgets Savings Goals, Budget, Calculator
40 How do I start today? Make an appointment! Northwest Will Smith wsmith@primefcu.org Downtown Mai Yang myang@primefcu.org South Katiria Esquivel kesquivel@primefcu.org Southeast Amy Braud abraud@primefcu.org Contact our Mortgages Department: Erick Levandoski Director of Mortgage Services & Business Lending elevandoski@primefcu.org
41 Questions? Complete the Survey Follow Up Session
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