1. Becoming Financially Responsible
Your Future Is In Your Hands
Cassandra Anderson
Cassandra Anderson
ITEC 1301 - 2010 sp - 17579
Natalia Fofanova
University of Houston

2. Cassandra Anderson
Content Map
• Becoming Financially • Bio-diesel (copied slide)
Responsible • Your Car
• Presenter • Keep Track of Your Expenses
• Get Out (or Stay Out) of Debt • Identity Fraud
• Advice from Dave Ramsey • Areas To Begin Improving On
• Don’t Be Afraid To Downsize • Credits
• Buying a Home • In Conclusion
• Can You Spot the Good vs. Bad
Financial Images?

3. Cassandra Anderson
Presenter
• My name is Cassandra Anderson and I am the
presenter/creator of this presentations.
• I believe at one point in our lives we all struggle
with finances, especially throughout our younger
years. So from my personal experience as well as
some research, I put this together to help anyone
who may be struggling with their finances right
now. Enjoy!

4. Cassandra Anderson
Get Out (or Stay Out) of Debt
• If you attempt to start being financially
responsible while in debt, the debt will continue
to grow (thanks to those interest rates) and you
will have a harder time becoming financially
stable.
• If you are in debt, try to put together a plan of
making payments to get rid of it.
Click or scroll over
to play sound.

5. Cassandra Anderson
Advice from Dave Ramsey
• Below is a 5 minute video of Dave Ramsey, well
known author and host of the Dave Ramsey
Show, about becoming financially responsible.
▫ Click here to visit Dave Ramsey's Website!

6. Cassandra Anderson
Don’t Be Afraid To Downsize
• Big houses and fancy cars may look nice, but
they are extremely expensive. You could
downsize to a house that fits your family, and an
average car that suits your needs and save
money. Also, see what unnecessary expenses you
have and cut them out.

7. Cassandra Anderson
Buying a Home
• This is a family who bought a • This is a family who bought a
house that was within their house they couldn’t afford, so
budget, which they can pay off not only are they in debt
in 8 years. because of it, the home was
foreclosed.

8. Can You Spot the Good vs.
Cassandra Anderson
Bad Financial Images?

9. Bio-diesel (copied slide)
• Positive: it is affordable, renewable, easy for the
average person to make, and can be a higher
quality than fossil fuel based diesel, can be used
in diesel engines with no modification
• Negative: it is still a combustible fuel which
means it still has harmful emissions

10. Cassandra Anderson
Your Car
• New cars cost more, and depreciate faster.
• Find a used car that is still in good condition and
will last a few years.
• If you have an older car that you think wont last
longer, compare the cost of all repairs versus a
new vehicle.
• Also compare auto insurers, these days
companies have you paying for more than you
need.

11. Cassandra Anderson
Keep Track of Your Expenses
• How often do you look at your bank account and
think it is too low, and there is no way you spent that
much?
• Many people use the ease of swiping a credit card, or
writing checks because it takes a few days to be
withdrawn from their account. without actually
keeping track of how much they are really spending,
and by the time the bank or credit card statement
comes in, the damage is done.
• Find a way that is easier for you to keep track so you
know how much money you have spent, even if it
hasn’t reflected on your bank account yet.

12. Cassandra Anderson
Identity Fraud
• Identity fraud is one of the fastest growing
crimes in America.
• Take every precaution you can to not let this
crime affect you.
• Once your identity is stolen and your bank
account drained, it is almost impossible to get
your hard earned and saved money back.

13. Cassandra Anderson
Areas To Begin Improving On
• Eating out adds up quick, especially if you eat out for every meal.
Also avoid alcoholic beverages, go home and make your own!
• Instead, try making meals at home, and take leftovers for lunch. Not
Food only are they cheaper, but they are also better for you.
• See how long you can go without using your credit card. Pay with
cash or check, it is easier to keep track of than a credit card.
• If you don’t have the money to buy something when you want it,
Credit wait until you do. Don’t put it on the credit card!
• Give yourself a limit, maybe $40 per week and see how far you can
make it stretch. Then gradually try to reduce that amount.
• Try to take a certain dollar amount out of each paycheck and put to
Save the side to be untouched until needed. This can add up quick!

14. Cassandra Anderson
Credits
• Dave Ramsey
• YouTube
• Google
▫ New Homes Section
▫ Hot Coupon World
▫ Financial Coaching
▫ CEO World
▫ Word Press
▫ Village Voice
▫ eHow
▫ College OTR
▫ Green Budget

15. Cassandra Anderson
• Only YOU can give yourself the
financial future you deserve!
• “You will never possess what
you do not pursue”