High School Financial Planning Program Lesson 1-5: Cash Flow
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- Collin Sutton
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1 Cash Flow TODAY YOU WILL... FIGURE OUT WAYS TO MAINTAIN A POSITIVE CASH FLOW National Endowment for Financial Education Preview Today we will answer these questions: How can I plug spending leaks? What can I do to stick to my spending plan? How can I be prepared for unexpected money events? Use what you learn today to apply strategies to control your spending National Endowment for Financial Education 2014 National Endowment for Financial Education 1
2 Is your plan working? 1. Compare your actual income with anticipated income 2. Compare your actual spending with planned spending 3. Make adjustments: Increase your income Decrease your expenses Combination of both National Endowment for Financial Education Get a Bigger Bucket Be crafty Help your neighbors Teach others Be a tech troubleshooter Work for your parents Start an Internet business National Endowment for Financial Education Plug Your Money Leaks Slow and steady drips Laziness penalties Needless things Carelessness fines Pity purchases Impulsive buys National Endowment for Financial Education 2014 National Endowment for Financial Education 2
3 Who s in Control? Do you control your cash flow? or Does your cash flow control you? Face REALITY Accept RESPONSIBILITY Show RESTRAINT National Endowment for Financial Education Track Your Money Envelope system Weekly receipt tally Checking account register Spreadsheet Personal finance software or app National Endowment for Financial Education Stop Drop and Think Before You Buy Test Before you buy, ask these questions: Do I need this or do I want it? If I don t need it, why do I want it? Exactly when will I use (or wear) it? Could I find it for less somewhere else? What will I have to give up or put off by buying this now? National Endowment for Financial Education 2014 National Endowment for Financial Education 3
4 Wise Up Before You Pay Up Watch for different prices in the store and online. Calculate the shipping costs and sales tax. Find out about any additional costs you will have if you make the purchase. Check out product and service reviews to uncover potential risks, hazards, and defects through objective reviews. Know the return and repair policies National Endowment for Financial Education Create Green Reaper Scenarios Examples That movie was so good you forgot to return it when it was due six days ago. Now you owe the library $12 in late fees. $$$$$$ That box of Valentine s Day chocolates hit the spot; however, it left spots on your teeth! Your dentist tells you that you need to have two cavities filled. With insurance: $39.60 per tooth. Without insurance: $198 per tooth National Endowment for Financial Education When Life Changes, Change the Plan What if You get a job that pays more? Are scheduled to work fewer hours? Get laid off or fired? Your bus fare increases? Achieve your goal(s)? National Endowment for Financial Education 2014 National Endowment for Financial Education 4
5 Change Michael s Plan *He works more hours in the summer and already bought tires Monthly Expenses School Year Summer Estimated Income $544 $1,110* Savings for college $0 Savings for tires* $160 $0* Car Insurance $70 Cellphone $45 Food $100 Gas $40 Clothes/Personal Care $35 Entertainment $80 Gifts/Donations $15 Total Expenses $ National Endowment for Financial Education Challenge page 39 Reflect on your money management habits. Respond to the following: What do you do well? What will you do to improve? How will you share what you learned? National Endowment for Financial Education 2014 National Endowment for Financial Education 5
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