Bring Balance to Your BUDGET. MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 1 of 31
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1 Bring Balance to Your BUDGET MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 1 of 31
2 5 HOW CAN I STAY ON TRACK? 4 HOW DO I GET THERE? 1 WHERE AM I TODAY? MY FINANCIAL NEEDS 3 CAN I GET THERE? 2 WHERE WOULD I LIKE TO BE? MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 2 of 31
3 Where am I today? 1 WHERE AM I TODAY? MY FINANCIAL NEEDS MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 3 of 31
4 Budgeting MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 4 of 31
5 MY FINANCIAL NEEDS 2 WHERE WOULD I LIKE TO BE? Identify Your Goals MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 5 of 31
6 MY FINANCIAL NEEDS Prioritize 3 CAN I GET THERE? MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 6 of 31
7 The Four Uses of Cash U Unexpected Expenses and Emergencies S Specific Short-term Savings Goals E Everyday Spending S Sources of investment MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 7 of 31
8 The Four Uses of Cash E Everyday Spending Groceries Utilities Entertainment Mortgage Car/gas/insurance Other debt payments MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 8 of 31
9 How Much Is Too Much? MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 9 of 31
10 Tip Build Your Reserves MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 10 of 31
11 Tip Separate Savings and Checking MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 11 of 31
12 Tip AutoPay Bills MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 12 of 31
13 Tip Think of Debit and Credit Cards As Spending Tools MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 13 of 31
14 The Four Uses of Cash U Unexpected Expenses and Emergencies Job loss Home repair Auto repair Unplanned medical expense MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 14 of 31
15 The Four Uses of Cash S Specific Short-term Savings Goals New car Vacation Wedding MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 15 of 31
16 The Four Uses of Cash S Sources of Investment Strategic allocations Temporary allocations for a future investment MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 16 of 31
17 Tip Strategic Allocation Hold cash as an asset class to diversify investments Up to 5% of your fixed-income allocation in cash Temporary Allocation Dollar Cost Averaging or Systematic Investing MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 17 of 31
18 Mastering Credit MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 18 of 31
19 Good Debt, Bad Debt MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 19 of 31
20 Credit Cards and Minimum Payments New Balance $1, Minimum Payment Due $53.00 Payment Due Date 2/13/15 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a $35 fee and your APRs may be increased up to the Penalty rate of 28.99%. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you make no additional charges using this card and each month you pay... You will pay off the balance shown on this statement in about... And you will end up paying an estimated total of... Only the minimum payment $62 3 years Source: Edward Jones and Example is for illustrative purposes only. 8 years $2,785 $2,232 (Savings = $553) MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 20 of 31
21 Your Credit Profile Credit Score Range: Best Rates: 740+ Credit Report MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 21 of 31
22 Credit Score Factors History of on-time payments Credit utilization Length of credit history Recent searches for credit Types of credit used Credit score available for a fee at MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 22 of 31
23 Credit Report Credit Bureaus Equifax Experian TransUnion Request your annual credit report at www. AnnualCreditReport.com MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 23 of 31
24 4 HOW DO I GET THERE? MY FINANCIAL NEEDS Debt Consolidation and Payoff Strategies MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 24 of 31
25 Credit Card Payoff Strategy Credit Card Amount Owed Interest Rate Minimum Payment Credit Card 1 $750 21% $25 Credit Card 2 $1,250 21% $75 Credit Card 3 $1,000 20% $50 Credit Card 4 $2,500 18% $50 Credit Card 5 $4,000 18% $50 $9,500 $250 Source: Edward Jones. This example for illustrative purposes only. MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 25 of 31
26 Refinancing Mortgage Auto Loans MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 26 of 31
27 5 HOW CAN I STAY ON TRACK? MY FINANCIAL NEEDS Review Your Strategy MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 27 of 31
28 Review Your Strategy The Four Uses of Cash U Unexpected Expenses and Emergencies S E S Specific Short-term Savings Goals Everyday Spending Sources of investment MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 28 of 31
29 Review Your Strategy Mastering Credit: Good vs. Bad Debt The Credit CARD Act Credit Scores and Credit Reports Debt Consolidation and Payoff Strategies MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 29 of 31
30 & Questions Answers MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 30 of 31
31 Thank You PLEASE COMPLETE YOUR EVALUATION NOW Member SIPC MKD-3965E-A-SL EXP 31 OCT EDWARD D. JONES & CO., L.P. ALL RIGHTS RESERVED. Page 31 of 31
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