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Presentation Transcript
program objectives
Program Objectives
  • Create and maintain a balanced budget.
  • Make loan and lease decisions.
  • Make knowledge-based home and car purchasing decisions.
  • Responsibly maintain debt.
  • Write checks.
  • Repair credit problems.

money management 1 of 2
Money Management (1 of 2)
  • Financial management is perhaps one of the most important yet complex skills required by everyone for daily survival.
  • Lack of knowledge or consideration in this area can lead to catastrophic financial problems that can take decades to fix.

money management 2 of 2
Money Management (2 of 2)
  • The lessons introduced to you in this program will help you thrive in today’s financial world.
  • The information provided in this program must also be supported by your own research and or advisement from a professional before making financial decisions.

budget considerations
Budget Considerations

prioritizing your budget 1 of 5
Prioritizing Your Budget (1 of 5)
  • What do you do if you can pay off your monthly household expenses, but are having trouble paying off your loans?
  • Pay off the loan with the highest interest rate first to save on interest payments.
  • Talk to your creditor!
    • He or she may be willing to reduce your payments or change the terms to accommodate your situation.

prioritizing your budget 2 of 5
Prioritizing Your Budget (2 of 5)
  • Some creditors might offer extensions, smaller payments over a longer period of time, or might accept partial payments.
  • Get a debt consolidation loan:
    • If loan fees and interest rates are too high, it may not be the best option for you.
  • Get professional advice; reputable credit counselors can help you deal with your financial problems.

prioritizing your budget 3 of 5
Prioritizing Your Budget (3 of 5)
  • Some organizations charge little or nothing for their services.
  • Be cautious of companies that promise to fix your credit problems right away.
  • Credit repair can be a long process that might take several years.

prioritizing your budget 4 of 5
Prioritizing Your Budget (4 of 5)
  • What payments do I make first if I don’t have enough money to pay for all my bills?
  • Pay off your necessary household expenses first, such as rent or mortgage—avoid foreclosure or eviction.
  • Think about the health and safety of your family when making these types of decisions.

prioritizing your budget 5 of 5
Prioritizing Your Budget (5 of 5)
  • Many utilities, such as:
    • The telephone company, electric company, and gas company, have programs to lower your bill if you qualify.
  • Contact your utility company for assistance.
  • Remember, everyone has different priorities. 
    • You will have to make the decisions that are right for you.

budgeting tools
Budgeting Tools

budget box system
Budget Box System
  • The budget box is a small box with dividers for each day of the month.
  • When you receive a bill, check the due date and place it behind the divider that represents the bill’s due date.
  • As you receive income, pay all bills that are due.

download money management personal powerpoint presentation at readysetpresent com
Download “Money Management Personal” PowerPoint Presentation at

172 slides include: slides on budget and budgeting tools and software will give you the knowledge to keep track of your money, plus content slides on buying, selling, and trading a car and dealing with car loans; home buying, including leasing info and mortgage loans, and checks. You’ll find the information you need to guide you on the path to successful money management. Royalty Free - Use Them Over and Over Again. Once purchased, download instructions will be sent to you via email. (PC and MAC Compatible).