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.

1. 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!
How to Manage Your Personal Finances to Become A Millionaire
Financial Goal: something you planned for that will happen in your future.
• Be realistic
• Establish time frames
• Devise an “action” plan
• Be flexible: goals can change
My short-term goals (under 3 years):
1. _____________________________________________________________________________
_____________________________________________________________________________
2. _____________________________________________________________________________
_____________________________________________________________________________
3. _____________________________________________________________________________
_____________________________________________________________________________
My long-term goals (over 3 years):
1. _____________________________________________________________________________
_____________________________________________________________________________
2. _____________________________________________________________________________
_____________________________________________________________________________
3. _____________________________________________________________________________
_____________________________________________________________________________

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 and
All the money
Income Expenses why you spent it
that comes in
during a week or Allowance Money I owe
month and Part-time job Money put into savings
where 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. 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!
Debit Cards -vs- Credit Cards
DEBIT CARDS CREDIT CARDS
Linked to bank account, similar to cash NOT linked to bank account, it’s a loan
FREE 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
fees
May 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 debit
Online 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. 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!

5. 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!
Presentation Evaluation Form
How to Manage Your Personal Finances to
Wendy Ullman Become A Millionaire
Presenter: _______________________ Topic: _________________________
Friday 2/25/11
Date 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. 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!
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 Disagree
Comments 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: _________________________________