Money Management. David Roach Money Education Center Texas A&M University
|
|
|
- Pierce Powers
- 5 years ago
- Views:
Transcription
1 Money Management David Roach Money Education Center Texas A&M University
2 Money and Emotions Managing our finances should evoke emotional reactions. The key is in which emotions. Confidence instead of fear, empowerment instead of distress.
3 The Hidden Perk Being financially literate can be a huge advantage for you both personally and professionally. Among Professionals 70% Say Financial stress is their most common cause of stress
4 Remember: I before E Income > Expenses Tip the scale in your favor!
5 Are They Really Rich? Sued for $300,000 Credit Card Debt (2016) Bankruptcy (2003) $38 Million Debt Bankruptcy (2015) Must pay $23 Million to Creditors Bankruptcy (2009) Owed IRS $13 Million 3 castles, 2 islands, 1 dinosaur skull, 1 jet, 2 yachts, 50 sports cars
6 You are Your Best Investment The problem is not how much we earn it s how much we spend! The Automatic Millionaire by David Bach
7 Why Budget Your Money? Budgeting Your Money Puts You in Charge of Your Finances Gives You More Confidence Makes You Feel Less Guilty Allows You to Prioritize Enables You to Track Your Spending Allows You to Control Debt Gives You a Better Opportunity to Save Helps You Accomplish Financial Goals!
8 How to Do It 1. Establish Your Financial Goals Short Term New Phone, Spring Break Trip, Car Repair Medium Term Establishing an Emergency Fund, Wedding Long Term Dream Home, Repay Student Loans, Retirement
9 A Debt Free Life Paying an Extra $50 a Month Paying an Extra $100 a Month Principal $60, $60, Required Monthly Payment Extra Monthly Payment Total Interest Saved on loan Years to Pay Back Loan $ $ $50.00 $ $1, $3,
10 Save! Save! Save! Start with Small Goals $5 a week and build up from their Saving 15-20% of your income is ideal Invest time in your finances Awareness is key Start tracking your expenses Establish an Emergency Fund!
11 Emergency Fund Recommend $1,000 for students Professionals eventually need 3-6 months of expenses
12 How to Do It Identify Your Sources of Income Grants/Scholarships/Loans Family Work Income (After Taxes) Other Income
13 How to Do It Identify Your Expenses Fixed Expenses (Flat rate bills) Variable Expenses (Change each month) \\
14 What is Required for a Budget to Work? Understandable Easy Quick Can t Eliminate All Fun Needs Some Flexibility Discipline Right for You!
15 Financial Quiz Question 1 What is possibly the most popular online budgeting website?
16 Online Budget Resources Track and Compare Your Income and Expenses Budgeting TitleOptions Mint.com Personal Capital You Need a Budget (YNAB) Your Bank s Mobile App Excel Budget Sheets SALT TM Envelope Method
17 How to Do It Track and Compare Your Income and Expenses Title URL Information Mint Track your bank accounts, credit cards, investments, and loans graphically. Automatically tags expenses. * Before deciding which website to use, make sure that you look into all of the security information to make sure that you feel completely safe uploading your banking account information.
18
19 You Can Do It!
20 Financial Quiz Question What is the cost of two Trailer Park tacos and a drink at Torchy s in College Station? a) $8.98 b) $9.80 c) $10.83 d) $ Chicken Taco - $3.75 x 2 Soda - $2.50 Plus tax
21 How to Do It (continued) Identify and Neutralize Your Latte Factor(s) A latte spurned is a fortune earned People magazine What is a Latte Factor? All unnecessary expenditures that you buy each month How do you find a Latte Factor? Track your expenses Am I buying too much of something? Do I really need this item?
22 Latte Factor Examples
23 Financial Quiz Question 3 What is the cost of a Grande Caramel Macchiato at the local Starbucks? a) $4.50 b) $4.73 c) $4.89 d) $5.03 $ $0.38 tax = $5.03
24 Save vs. Spend Example: Buy a coffee every morning at the local coffee shop for a total of approximately $5.00. $700 $600 Month 1 - $150 Month 2 - $300 Month 3 - $450 Month 4 - $600 $500 $400 $300 $200 $100 $0 Month 1 Month 2 Month 3 Month 4 $600 x 8 Semesters = $4800!
25 Living on a Budget.
26 The biggest barrier to becoming rich is living like you re rich before you are. -Knight Kiplinger
27 About the Center We Can Teach Aggies About..
28 Walk-in Advising Appointments Presentations & Resource Tables
29 Like & Follow Us!
30 linkedin.com/in/david-roach-6a555ba2 Questions? Contact Us!
Money Management Money Education Center Texas A&M University
Money Management Money Education Center Texas A&M University HOWDY! Jason Vaaler Money Education Center Advisor 1 st Floor Pavilion Texas A&M University This topic matters to me because Open Weekdays from
& Dreams. Find out how to make an actionable plan to achieve your financial goals and dreams based on your cash flows.
Reaching Your Financial Goals & Dreams A WORKBOOK Find out how to make an actionable plan to achieve your financial goals and dreams based on your cash flows. STEPS It's nearly impossible to meet your
Session Overview. Budgeting Skills Training - Instructor Notes. Thank you for teaching the Budgeting Skills Training Class :D
Session Overview Budgeting Skills Training - Instructor Notes Thank you for teaching the Budgeting Skills Training Class :D The instructor notes contain suggestions for you on how to teach this class.
The Secret of the Lion
The Secret of the Lion Pay yourself first, live off the rest THE SECRET OF THE LION The lion eats first, ahead of the pack. You too should eat first by arranging an automatic deduction from your salary
Budgeting Your Way to a Better Tomorrow
Budgeting Your Way to a Better Tomorrow Money makes the world go round, and budgeting can get you further around that world. To be a successful money manager you must know how to budget. Here at Texas
Managing Money Together. A Workbook for Couples
Managing Money Together A Workbook for Couples Introduction Growing up, my parents argued about money. It wasn t a lot now that I look back, but I do remember thinking that I never wanted to do that. So,
How Much Does School Cost? Academic Costs (Domestic) Tuition and Fees = $6,992 - $10,710. Books & Supplies = $700 - $1300. TOTAL = $7,692 $12,010/year
Budgeting 101 Why Budget? So that you know what you can spend and when Helps you determine how you are going to stretch your resources (e.g. OSAP funding) over the entire year Allows you to live within
SCARE YOU? DOES YOUR FINANCIAL SITUATION
DOES YOUR FINANCIAL SITUATION SCARE YOU? Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.org Congratulations on taking this important step
FINANCIAL FOUNDATIONS
FINANCIAL FOUNDATIONS A Financial Beginnings Financial Education Program BUDGETING Presenter's Guide Presented by Our Mission Financial Beginnings empowers youth and adults to take control of their financial
PLAN YOUR FINANCIAL FUTURE PREPARING FOR RETIREMENT
This program is made possible by a grant from the FINRA Investor Education Foundation through Smart Investing@your library, a partnership with the American Library Association. PLAN YOUR FINANCIAL FUTURE
Saving and Investing: Getting Started
Saving and Investing: Getting Started Standard 5 The student will analyze the costs and benefits of saving and investing. Lesson Objectives Describe the reasons people save and invest. Evaluate the costs
Paying Rent & Personal Money Management
Paying Rent & Personal Money Management The Personal Money Management Center is here for You! Creating a budget Learning about loans Investing information Getting out of debt Understanding credit So much
10/19/2016 FINANCIAL BASICS FOR DVM STUDENTS: WHAT DO MOST STUDENTS KNOW ABOUT W O OS S U S OW OU FINANCIAL LITERACY? OVERVIEW
FINANCIAL BASICS FOR DVM STUDENTS: Understanding student loans and how to effectively manage your funds OVERVIEW Understanding Total Loan Costs Student Cost of Attendance and Budget Reducing loan amount
20 TIPS FOR GETTING OUT OF DEBT NOW! by Judy Lawrence, MS Ed. Budget Coach and Author of The Budget Kit 4th Edition
20 TIPS FOR GETTING OUT OF DEBT NOW! by Judy Lawrence, MS Ed. Budget Coach and Author of The Budget Kit 4th Edition Getting out of debt now seems to be the national theme. Perhaps in your case this debt
c» BALANCE c» Financially Empowering You Credit Matters Podcast
Credit Matters Podcast [Music plays] Nikki: You re listening to Credit Matters. Hi. I m Nikki, your host for today s podcast. In today s world credit does matter. In fact, getting and using credit is part
Chapter 4 Debt. Section Credit misdirection
Chapter 4 Debt Section 2 2.1 Credit misdirection Credit Misdirection Lending money to friends or family members is a bad idea. It will strain relationships and in some cases ruin friendships. If you have
How to Strategically Manage Your Debt
Debt. Funny how four little letters can feel so dirty. Most of us have it in one shape or another, but none of us like to talk about it. Debt can get us into trouble, especially if it is unplanned and
BE AWESOM E NOT BROKE By Garrett Philbin
AWESOM E NOT BROKE By Garrett Philbin WELCOME! YOU HOW WILL TO WALK FIND AWAY YOUR WITH WHY TOOLS TO HELP YOU BE AWESOME AND NOT BROKE OVERCOMING OBSTACLES RESOURCES Money: Not Just About The Numbers Emotions:
A Tale of Two Plans: Spending and Saving
A Tale of Two Plans: Spending and Saving Do you know where all your money goes? Do you know your income? Does your income cover your expenses or do you feel like you could always use more money to cover
Week 2. A Tale of Two Plans: Spending and Saving
Week 2 In this Edition: A Tale of Two Plans: Spending and Saving Do you know where all your money goes? Do you know your income? Does your income cover your expenses or do you feel like you could always
Money Management Curriculum
Money Management Module 5: Savings and Budgeting Money Management Curriculum Module 5: Savings and Budgeting Budgeting Project Team: Ruby Ward, Professor, Utah State University Trent Teegerstrom, Associate
Money Math for Teens. The Emergency Fund
Money Math for Teens The Emergency Fund This Money Math for Teens lesson is part of a series created by Generation Money, a multimedia financial literacy initiative of the FINRA Investor Education Foundation,
My Financial House Guide to Budgeting. Ryan H. Law
My Financial House Guide to Budgeting Ryan H. Law https://ryanhlaw.com Introduction Budgeting is the foundation of all financial success and the way to achieve your financial goals. In this guide I will
Wealth in Real Estate
Building Wealth Through Real Estate Wealth in Real Estate Why build wealth this way? The simple answer is that it is the most powerful way to accumulate wealth, and more people have become millionaires
Banking Basics. Banks and Credit Unions. Warm-Up Activity. Why should you put your money in a bank?
Account Management Account Management You will be introduced to the banking process. You will learn how to locate a bank or credit union with which you want to do business, what accounts you should have
Notes. The American Center for Credit Education. Promotional Copy. CheckWise by the American Center for Credit Education
The American Center for Credit Education CheckWise by the American Center for Credit Education 2007 by Rushmore Consumer Credit Resource Center (RCCRC) Published by the American Center for Credit Education
Differentiating between secured and unsecured loans
and unsecured loans Students explore characteristics of secured or unsecured types of credit by playing a sorting game. Learning goals Big idea Borrowers may qualify for different types of loans based
20 Steps to Financial Health:
20 Steps to Financial Health: Achieving Lifelong Financial Fitness American Consumer Credit Counseling 130 Rumford Avenue Auburndale, MA 02466 1.800.769.3571 ConsumerCredit.com On behalf of American Consumer
After completing Chapter 2, your students should be able to answer these questions:
Solution Manual for Financial Accounting A Business Process Approach 3rd Edition by Reimers Link full download solution manual: http://testbankcollection.com/download/solution-manual-for-financial-accountinga-business-process-approach-3rd-edition-by-reimers/
What is credit and why does it matter to me?
Understanding Credit 1 Money Matters The BIG Idea What is credit and why does it matter to me? AGENDA Approx. 45 minutes I. Warm Up: What Do You Know About Credit? (10 minutes) II. Credit: The Good, The
A great way to save for your future
J.M. Huber Corporation 401(k) Savings Plan A great way to save for your future Plan Highlights A: The answer is b) 36.5%. That means you ll have to save money on top of Social Security to fund your retirement.
OVERCOMING THE CREDIT BARRIER. Clearing the Way to Your Financial Goals
OVERCOMING THE CREDIT BARRIER Clearing the Way to Your Financial Goals Overcoming the Credit Barrier: Clearing the Way to Your Financial Goals was written and designed for The National Foundation for Credit
The Role of Financial Statements. The Role of Financial Statements
Honors Personal Finance 1 $ The average person spends money three times a day. $ A movie with popcorn and a soft drink can easily cost $20 $ Just one soft drink a day for.99c adds up to $361.35 in a year
YOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE
YOUR GUIDE TO HEALTHY FINANCES GET YOUR FINANCES IN SHAPE GETTING YOUR FINANCES UNDER CONTROL NEEDN T BE A HEADACHE Help is at hand with these easy-to-follow tips for getting your finances in shape. Whether
Keeping Finances Under Control. How to Manage Debt so it Doesn t Manage You
Keeping Finances Under Control How to Manage Debt so it Doesn t Manage You Seminar Objectives What is DEBT? What are the types of debt? What is good debt? What is bad debt? What are the benefits and costs?
Are You Mortgage Ready? Preparing Your Finances for Homeownership. Foundation Communities Financial Coaching Program
Are You Mortgage Ready? Preparing Your Finances for Homeownership. Foundation Communities Financial Coaching Program Do you want to know if you are ready to buy a home? The following guide will help you
Financial Decisions. What contributes to the decisions you make? Values. Needs. Wants G1
What contributes to the decisions you make? 2.1.4.G1 Values Financial Decisions Needs Wants Take Charge Today August 2013 Financial Decisions Slide 1 Funded by a grant from Take Charge America, Inc. to
LESSON: Saving vs spending
70 minutes Financial Literacy Outcome At the end of this lesson, students will: be able to create a personal budget. Curriculum Expectations Grades 11 and 12, Social Sciences and Humanities (2000) Managing
Money Matters: Actions You Can Take Today!
Money Matters: Actions You Can Take Today! Electronic Billing You will NOT receive a paper bill for your account balance! You will receive an e-statement. How ebilling works: 1. An email is sent to your
FINANCIAL BASICS FOR DVM STUDENTS
FINANCIAL BASICS FOR DVM STUDENTS OVERVIEW Understanding Total Loan Costs Borrowing from your Future Self DVM Cost of Attendance and Student Budget Budgeting Your Student Loan Funds Navigating NSLDS &
Take control of your future. The time is. now
Take control of your future The time is now 1 Participating in your employer-sponsored retirement plan is one of the best ways to 3 save for your future. And the time to save more is now. No doubt, you
Improving Your Credit Score
Improving Your Credit Score From my experience working with many potential home buyers looking to improve their credit, they are frustrated! They are frustrated because they receive conflicting information
Your money goals. Choosing a goal
Choosing a goal 01 Your money goals Next, think about a money goal that you most want to pursue towards that dream. Write down some ideas on how you could start working towards them. My money goal is:
Your personal budget. Page 1. Your income. Salary and wages
Page 1 Your personal budget Before you can decide what is the best way to deal with your debts, you will need to work out a personal budget. The options you have will depend on how much money you have
the ultimate buyers guide
the ultimate buyers guide Your Helping Hand Through the home buying process Buying a home will be one of the most significant purchases made in your entire life. It is a process that you must begin with
First Time Home Buying Steps
Buying a home is one of the biggest emotional and financial decisions you'll ever make in your life time. The differences between renting and buying a home are huge, and there are numbers of pros and cons
Table of Contents. Money Smart for Adults Curriculum Page 2 of 45
Table of Contents Getting Started... 3 Module 5: Pay Yourself First Layering Table... 4 Icons Guide... 5 Module Overview... 6 Checking In... 7 Pre-Test... 9 Overview of Saving... 11 Savings Tips... 12
MODULE 1 // SAVING AMATEUR: AGES 11-14
MODULE 1 // SAVING AMATEUR: AGES 11-14 MODULE 1 // FINANCIAL FOOTBALL PROGRAM Financial Football is an interactive game designed to acquaint students with the personal financial management issues they
Welcome! Cassie Costin Community Market Leader SECU
Welcome! I have over 15 years of financial services experience, with 8 of those years being spent in the credit union industry. I primarily serve the University of Maryland College Park faculty, staff
Personal Financial Literacy
Personal Financial Literacy 7 Unit Overview Being financially literate means taking responsibility for learning how to manage your money. In this unit, you will learn about banking services that can help
The ultimate guide to. taking your car to university
The ultimate guide to taking your car to university All you need to know about taking your car to university So you re off to uni and you re lucky enough to have your own car the question is, should you
NOTE: This publication is now being revised. Please check the TRS website in fall 2016 for an updated version of this publication. Thank you.
NOTE: This publication is now being revised. Please check the TRS website in fall 2016 for an updated version of this publication. Thank you. December 2014 Employment After Retirement Teacher Retirement
The days ahead or the daze ahead?
The days ahead or the daze ahead? We all have big dreams and goals in life. Working to achieve them is what makes life a journey. Smart borrowing can help us reach some of those dreams of tomorrow like
YOUR MONEY, YOUR GOALS. A financial empowerment toolkit
YOUR MONEY, YOUR GOALS A financial empowerment toolkit Consumer Financial Protection Bureau December 2016 About the Consumer Financial Protection Bureau The Consumer Financial Protection Bureau (CFPB)
Budgeting 101: Why Planning Ahead Pays Off
family wealth perspectives Budgeting 101: Why Planning Ahead Pays Off You re about to discover n An easier way to save money n How to make your savings grow faster n Information about credit cards and
2018 DollarWise Summer Youth Contest Study Guide
2018 DollarWise Summer Youth Contest Study Guide The DollarWise Summer Youth Contest Final Exam questions are designed to test your full knowledge of the information provided in the contest. During the
Managing Your Money NET WORTH CASH FLOW CREATING A BUDGET
MONEY What You Should Know About... Managing Your Money NET WORTH CASH FLOW CREATING A BUDGET YourMoneyCounts You probably realize that managing your money is a good idea, but you might also figure if
Reading Essentials and Study Guide
Lesson 3 Banking Today ESSENTIAL QUESTION How has technology affected the way we use money today? Reading HELPDESK Academic Vocabulary products things that are sold Content Vocabulary credit union nonprofit
Top Things To Know KOFA HIGH SCHOOL SOCIAL SCIENCES DEPARTMENT ECONOMICS - PERSONAL FINANCE WORKSHOPS # 4 - CONTROLLING DEBT
KOFA HIGH SCHOOL SOCIAL SCIENCES DEPARTMENT ECONOMICS - PERSONAL FINANCE WORKSHOPS # 4 - CONTROLLING DEBT Vocabulary Keys : Words that are in bold = are terms that appear in one of the chapters, Words
READY, SET, GO FOR IT! Preparing For Your Financial Future COLLEGE BANC. Financial Literacy Workbook, Grades 9-12
READY, SET, GO FOR IT! Preparing For Your Financial Future COLLEGE BANC Financial Literacy Workbook, Grades 9-12 FINANCIAL PLANNING Financial planning is about defining and following a set of steps in
Financial Aid and Scholarships. Budgeting 101: How to Make Your Financial Aid Last
Financial Aid and Scholarships Budgeting 101: How to Make Your Financial Aid Last Why should you create a budget? To reduce financial stress so you can concentrate on school. To help solve the mystery
credit crunch lesson 6: student outcomes Chapter 30 from Reality Check time relationship to national standards assessment materials
Chapter 30 from Reality Check time 50 minutes relationship to national standards FCS National Standards: 2.1.2, 2.6.2, 3.3.3 JumpStart Financial Literacy Standards PMM3, CD 1 assessment Do I Have to Have
Contents About... 3 Features... 4 Method... 5 Rule One: Give Every Dollar a Job... 5 Rule Two: Save for a Rainy Day... 5 Rule Three: Roll With the
YNAB 4 USER GUIDE Contents About... 3 Features... 4 Method... 5 Rule One: Give Every Dollar a Job... 5 Rule Two: Save for a Rainy Day... 5 Rule Three: Roll With the Punches... 6 Rule Four: Live on Last
EAR Employment After Retirement
Teacher Retirement System of Texas EAR Employment After Retirement January 2017 Table of Contents INTRODUCTION...1 NOT YET RETIRED: Early-Age Retirees...2 Normal-Age Retirees... 14 ALREADY RETIRED: Early-Age
Intro. Overview of Emily s Finances. Disclaimer ANNUAL SALARY $50,000 TARGET HOME PRICE $180,000 DOWN PAYMENT GOAL 20% OUTSTANDING DEBT $0
Intro Google millennial homeownership and you ll find a myriad of articles about the decline in homeownership, how rising home prices and increased student loan burdens make it difficult to break into
Secrets to Success: Personal Finance Management
Secrets to Success: Personal Finance Management Harvard University Employees Credit Union (HUECU) A financial institution exclusively serving the Harvard University students, alumni, faculty, staff, and
Money Management Curriculum
Module 2: Loans and Credit Cards Money Management Curriculum Module 2: Loans and Credit Cards Project Team: Ruby Ward, Professor, Utah State University Trent Teegerstrom, Associate Director of Tribal Extension,
MONEY. Of course, going to college means. Managing Your Money CHAPTER 3. Watching everyday spending
CHAPTER 3 Managing Your Money MONEY Of course, going to college means attending classes, writing papers, and taking exams. But making money choices also is an important part of your college life. Good
BUDGETING SESSION OBJECTIVES SUBJECT INDEX
BUDGETING SESSION OBJECTIVES 8 Budgeting is the foundation of personal financial planning. Budgeting allows us to manage our money by tracking our income and expenses. Since every person is different,
Who s in charge? Take a second to think about this question: Who s in control, you or your money? Sometimes it can feel like our money is the
Who s in charge? Take a second to think about this question: Who s in control, you or your money? Sometimes it can feel like our money is the one pulling the strings. It can leave us stressed, frustrated,
BALANCED MONEY WORKBOOK
BALANCED MONEY WORKBOOK 2 Why live in balance? Welcome to the balanced money approach to budgeting! Balance is a concept we hear a lot about eat a balanced diet, keep balance between work and the rest
What to do if you re Drowning in Debt
What to do if you re Drowning in Debt A Beginner s Guide to Debt and Debt Relief Brought to you by: Copyright creditworld 2012 1 INTRODUCTION Are you drowning in debt? Do you feel like no matter what you
Balancing Multiple Financial Goals Worksheet
Balancing Multiple Financial Goals Worksheet Juggling financial goals like saving for retirement, emergencies, and a vacation all while repaying debt can be tricky. It s tough to know which of these goals
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt
yourmoney a guide to managing your credit and debt Volume 6 Life After Debt Call InCharge Debt Solutions today at 1-877-544-9126 or contact us at www.incharge.org Life After Debt You can do it. A life
You also have access to the prior released materials in a library that you can search when faced with a specific topic.
2018 Smart Money Decisions Calendar & Resources Each month, we: Send out 2 Money Minutes on important topics. Highlight 2 up to date Videos with resources on topics that can impact your financial decisions
Announcing Dollar Bank s 2017 Tuition Scholarship Contest
Volume 1, Issue 1 A Dollar Bank Publication April 2017 Announcing Dollar Bank s 2017 Tuition Scholarship Contest At Dollar Bank, we believe that financial education is necessary for students of all ages,
QUARTERLY MOUNTAIN IN THIS ISSUE 2014 SPRING. Helpful Tools. Annual Business Meeting. u President s Message. u We Mean Business
MOUNTAIN QUARTERLY 2014 SPRING IN THIS ISSUE u President s Message u We Mean Business u On the Path to Home Ownership u Up Your Financial Game with Our Helpful Tools u Nominating Committee and Annual Business
TABLE OF CONTENTS. Introduction 3. General Guidelines for Successful Account Management 3. Managing Your Checking Account. 1.
TABLE OF CONTENTS Introduction 3 General Guidelines for Successful Account Management 3 Managing Your Checking Account 1. Check Register 2. Planning 3. Recording Your Transactions 4. Balancing Your Account
How To Win With Money
By: Joseph Sangl We re passionate about helping YOU win with your money. In this series, we are going to be talking about a practical, step-by-step plan that you can use to take your finances to the stratosphere!
The Mawby family makes sure their money goes a long way. we simply add up how much money is coming into the household Use a budget planner.
How To Make A Budget: A Guide To Creating A Budget For Better Money Management - ( Household Budget, Family Budget, Budget Planner, Budget Template, Budget Worksheet ) By Jason Schuler READ ONLINE The
Closing Costs Explained
Closing Costs Explained When you apply for a home loan, you will receive a Good Faith Estimate of Settlement Charges, and a booklet that will explain these costs in detail. Loan Origination Fee: This fee
Courtney Hatch Blauvelt Assistant Director of Financial Aid. Todd Hoffmann Budget Director
Courtney Hatch Blauvelt Assistant Director of Financial Aid Todd Hoffmann Budget Director Review Basic Budgeting Discuss Important Budgeting Concepts Brief Budget Tool Review A Sample College Budget Some
hitsradio.co.uk/cashforkids fundraising pack Cash for Kids charities (England & NI), SC (East Scotland) and SC (West Scotland)
hitsradio.co.uk/cashforkids fundraising pack Contents page 3 4 5 6 7 8 9 10 12 13 About Cash for Kids What we do What your cash could do Why should you help? Empty belly poster Fundraising ideas Bucket
Follow the Money.
Follow the Money One of the simplest but most powerful money making ideas is this: Keep a daily log of everything you spend. Go to the dime store and buy a little notebook. Carry it with you wherever you
When You Can't Pay Your Business Debts: Personal Liability and Bankruptcy Options
When You Can't Pay Your Business Debts: Personal Liability and Bankruptcy Options by Attorney Shannon Miehe If your business is in the red, take steps to protect your personal assets. If your business
USE THIS GUIDE AND LEARN HOW TO
AT HOME GUIDE USE THIS GUIDE AND LEARN HOW TO > Understand your current financial situation > Track your spending > Make tough decisions > Develop a monthly budget > Start saving for the future TABLE OF
Office of Student Financial Management
September 2015 Office of Student Financial Management Kasia Palm: Director of Student Financial Management What is Credit? - The ability to obtain goods/services before payment based on the trust that
Take it to the Bank: Buying Power. Instructor s Manual
Take it to the Bank: Buying Power Instructor s Manual Start the activity with introductions. Tell the girls your name. Put on a name tag. Activity 1: Compare Costs and Options 20 minutes Let each girl
2010 Visa Inc., All Rights Reserved
2010 Visa Inc., All Rights Reserved Why Money Skills Are Important Create Independence Set and reach goals Enjoy living responsibly within your means Prepare you for your future after college Developing
Quick-Start Budget Your first budget! It s also the simplest, so you can relax now.
Quick-Start Budget Your first budget! It s also the simplest, so you can relax now. It s time to get your feet wet with budgeting. This form is only one page, but it will show you how much money you need
Understanding Debt Problems & Solutions
Understanding Debt Problems & Solutions The Debt Landscape 40% of Americans live on 110% of their income Total U.S. household debt = $11.2 trillion Finances are one of the top five causes of divorce Money
Fresh Start. Living DebtFree. By Douglas Hoyes. BA, CA, CIRP, CBV, Licensed Insolvency Trustee. Co-Founder of
Fresh Start A Concise Guide to Living DebtFree By Douglas Hoyes BA, CA, CIRP, CBV, Licensed Insolvency Trustee Co-Founder of Fresh Start A Concise Guide to Living Debt Free By Douglas Hoyes BA, CA, CIRP,
How to Get Ahead of Your Student Debt
Client Conversations How to Get Ahead of Your Student Debt WHEN COLLEGE ENDS, YOU RE LEFT WITH A DIPLOMA AND A SENSE OF ACCOMPLISHMENT but you re also probably left with some pretty hefty debt and subsequent
Understanding percentages when shopping and in life
Understanding percentages when shopping and in life By Gale, Cengage Learning, adapted by Newsela staff on 05.02.18 Word Count 942 Level 1000L Image 1. A shopper walks by a clothing store at the Independence
Making the Most of Your Money
Making the Most of Your Money A Handbook for Young Adults Table of Contents Let s start from the beginning:.....................1 Creating a budget:.............................. 2 Budget Worksheet:.............................
FIRST TIMER S GUIDE Vehicle Purchasing
FIRST TIMER S GUIDE Vehicle Purchasing SO MANY OPTIONS Maybe you re looking to buy your first car. Or your first real car. Either way, you face a lot of choices when you re buying your first vehicle. Do
Name Period. Finance charge Loan term Grace period Late fee Cash Advance Fee Prepayment Penalty Origination Fee Amortization Collateral Capital
Name Period GOOD DEBT, BAD DEBT: USING CREDIT WISELY ACCELERATED Say you dream of buying a $15,000 car. Even if you saved $200 a month, it would still take you seven years to save what you needed to buy
Entrance Counseling Pacific McGeorge Law School. Maximizing Your Investment in a Law School Education
Entrance Counseling Pacific McGeorge Law School Maximizing Your Investment in a Law School Education What Will You Learn Today? Objectives General information about federal student loans Understand your
Personal Banking WHITE PAPER SERIES. Dealing with Student Loan Debt
Personal Banking WHITE PAPER SERIES Dealing with Student Loan Debt You earned a degree. Now it s time to earn financial freedom. A college education may be the best investment you can make. In terms of
Fin 1050-Reading Guide Chapter 7 Using Consumer Loans: The Role of Planned Borrowing. 4. Explain loan amortization:
Name: Fin 1050-Reading Guide Chapter 7 Using Consumer Loans: The Role of Planned Borrowing DIRECTIONS: As you read through Chapter 7 in your textbook, answer the following questions: 1. What is the definition