Upgrading Stages One, Two, Three

1. Prosperity Workshop

2. Stages of Financial Discipline

3. Stages 1,2,3 Stages 1, 2, 3 Focus here only: Earned Income

4. Stages 4 & 5 Stages 4 & 5 Focus is on Passive & portfolio: Interest income Dividends Real Estate Other income streams

5. Elevating financial performance Where can you control your spending? Pay bills on time to avoid late fees. & use only one credit card until you get control of your spending. Find a credit card with a lower interest rate and no annual or transfer fees, then consolidate your debts so you will pay less in interest and fees. You can also adopt wiser shopping habits: Switch to less expensive brands of everything from shampoo to cars. When buying big-ticket items (necessities only, of course), read magazines like Consumer Reports to make sure you’re getting quality along with a lower price tag. Shop at wholesale clubs and discount department stores. Respect your budget; if you’ve reached the $200 food limit, skip the potato chips or the ice cream.

6. Elevating financial performance Step1. Tell Yourself the Truth Step2. Stop Accumulating Bad Debt Step 3. Make a List of all the Debt You Owe & differentiate between good debt and bad debt Step 4. Pay Yourself First Step 5. Make A Visual Picture of Each Debt

7. Step 5. Make A Visual Picture of Each Debt

8. Step 5. Make A Visual Picture of Each Debt

9. Elevating financial performance Step 6. Determine the Order for Paying Off each Debt Step 7. Find an extra $100-$200 per month Step 8. Except For Your #1 Debt, Pay Only the Minimum Payment Required of Each of Your Debts

10. Elevating financial performance Step 9. Move On To Debt #2 Step 10. The Monthly Amount You Paid on Your Final Debt–Invest It!

11. More Information: Taimour Zama taimour@access-group.ca 416-489-9541