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8665 Gibbs Drive, Suite 100                                                                     San Diego, CA 92123Spring ...
8665 Gibbs Drive, Suite 100                                                                             San Diego, CA 9212...
8665 Gibbs Drive, Suite 100                                                                            San Diego, CA 92123...
8665 Gibbs Drive, Suite 100                                                    San Diego, CA 92123Spring Valley Middle Sch...
8665 Gibbs Drive, Suite 100                                                                           San Diego, CA 92123S...
8665 Gibbs Drive, Suite 100                                                                         San Diego, CA 92123Spr...
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Spring Valley Girls Conference Workbook

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This customized workbook was distributed to each student. The purpose of this workbook was to act as a guide for students during the presentation and as a take home resource.

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Transcript of "Spring Valley Girls Conference Workbook"

  1. 1. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! How to Manage Your Personal Finances to Become A MillionaireFinancial Goal: something you planned for that will happen in your future. • Be realistic • Establish time frames • Devise an “action” plan • Be flexible: goals can changeMy short-term goals (under 3 years): 1. _____________________________________________________________________________ _____________________________________________________________________________ 2. _____________________________________________________________________________ _____________________________________________________________________________ 3. _____________________________________________________________________________ _____________________________________________________________________________My long-term goals (over 3 years): 1. _____________________________________________________________________________ _____________________________________________________________________________ 2. _____________________________________________________________________________ _____________________________________________________________________________ 3. _____________________________________________________________________________ _____________________________________________________________________________
  2. 2. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! The Money Diary: A tool to help you achieve your financial goals. How are you spending your money? Write Down:Write Down: Where you spent your money andAll the money Income Expenses why you spent itthat comes induring a week or Allowance Money I owemonth and Part-time job Money put into savingswhere it comes Debt owed to me (paying yourself first!)from Gift Money Food/snacks for school Clothes Evaluate: Cell phone bill iTunes music How much do you Part-Time Jobs: Weekend Activities want to spend on (movies or meals with friends) items? Babysitter Food/snacks/sodas for Clothing store Can you cut back school Helping family business on anything? Allowance for chores Daily Money Diary Template DATE ITEM COST Can you tell the difference?
  3. 3. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! Debit Cards -vs- Credit Cards DEBIT CARDS CREDIT CARDS Linked to bank account, similar to cash NOT linked to bank account, it’s a loanFREE to receive card with certain checking accounts FREE to receive card BUT must be accepted Takes money to borrow money: Like using cash: NO interest rate ALWAYS has an interest rate, increases anytime Declined if you do not have enough $ in account Credit limit provided by company Late payment fees, annual fees, over the limit Overdraft fees feesMay be hard to get your money back if lost or stolen Safe if lost or stolen: best to use online!ATM Fees or use at bank’s ATM to take out cash for Can take cash out of ATM but it’s REALLY FREE EXPENSIVE Never do this!NOT accepted everywhere: car rentals, hotel rooms Accepted by businesses that don’t accept debitOnline or paper account activity statement received Online or paper statement (bill) received every 30 days every 28 days (billing cycle) Does NOT help build credit Helps build credit: easier to buy a house/get car
  4. 4. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook!
  5. 5. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! Presentation Evaluation Form How to Manage Your Personal Finances to Wendy Ullman Become A MillionairePresenter: _______________________ Topic: _________________________ Friday 2/25/11Date of Presentation: __________Circle the choice that best matches how you feel about the presentation. 1. The content of the presentation was useful and informative. Strongly Agree Agree Neutral Disagree Strongly Disagree 2. The presenter was knowledgeable of the financial topics discussed. Strongly Agree Agree Neutral Disagree Strongly Disagree 3. The information was easy to understand. Strongly Agree Agree Neutral Disagree Strongly Disagree
  6. 6. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! 4. Based on the information presented today, I learned something new that will help me improve my current financial situation. Strongly Agree Agree Neutral Disagree Strongly DisagreeComments or suggestions?Need more help? Request to speak with a Certified Credit Counselor (Optional)Name: __________________________________ Sign up to be our fan on Facebook! (Optional)Phone Number: __________________________ Name:____________________________Alt Phone Number: _______________________ Email:____________________________Email: _________________________________

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