Super Saving and FPU Introduction Handout Fall 2011
Why Did Zions Create OurEliminate Needless Debt (END) Program?• Utah had consistently ranked #1 in bankruptcy rate in the nation (#9 for 2010 and Idaho is #17).• More people saving more money supports more loans to businesses to grow our economy.
What the END Program is Not . . .• It is not exclusively for people seriously in debt• It is not a debt consolidation program• It is not a consumer credit counseling g type service• It is not a quick fix program• It does not require people t b k at d t i l to bank t Zions
What the END Program is . . .• An educational program for anyone that wants to save more, eliminate needless debt, and build wealth• A free Super Saving Seminar sponsor• A sponsor of Dave Ramsey’s Financial Peace University (FPU)• A sponsor of a $1,000 Emergency Fund Savings Account Drawing• A sponsor of Financial Peace curriculum used at over 100 Utah high schools• Special offers on Zions Bank products (optional)• Program is also available in Spanish
What is Financial Peace University?• The most effective personal finance course in America• Nationwide, the average family adds $ , , g y $2,700 to savings and reduces debts by $5,300 in 91 days• This is an educational program, not a sales program• FPU is a two hours a week, 13-week course that teaches people the skills they need to save like they never have before, eliminate needless debt, and build wealth with a goal of giving a lot of it away to worthy causes.• Founder Dave Ramsey is the host of a daily radio program with over 4.5 million weekly li t ith 4 5 illi kl listeners andd his own daily cable TV program on the Fox Business Network. Both deal with personal finance issues.
Major FPU Results• 1,000,000+ nationwide enrollments including more than 30,000 partici- p pants in nearly 1,000 Zions supported classes (mostly hosted by area y pp ( y y churches) since 2003.• Average household paid off $5,300 in debt• Average household added $2,700 to savings• Average of 2+ credit cards cut up per household – One local household cut up 56 credit cards!• 70%-80% graduation rate• 0% dissatisfaction rate• Long term results from Zions Bank’s own employee participants: – $15,600 average added to non-retirement savings – $ $16,300 average of debts paid off – 6.2% average increase in 401K contributions from 38% of employees
Local Businesses, Churches and Other GroupsHave Used Financial Peace University y
Businesses and Churches Participatingin Financial Peace University - UtahA partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003: p g p g Abundant Life Assembly (North Salt Lake) Cache County Sheriff’s Office Creekside Christian Fellowship (Park City) Good Shepherd Lutheran Church Access Development Cache Employment and Training Center Crosspoint Church (SLC) (Lutheran) A-Core Concrete Cache Valley Christian Center Crossroads Fellowship (Ogden) Grace Baptist Church (Bountiful) ADP Calvary Baptist Church Crystal River Church Grace Community Bible Church (Sandy) Advanced Family Dental Clinic (Cedar City) Calvary Chapel of Salt Lake Cultural Celebration Center Grace Lutheran Church (Sandy) Adventure Foursquare Church (Am. Fork) Calvary Chapel Saint George Custom Covers Granger Christian Church Adventure F Ad t Foursquare Ch h (D Church (Draper)) Calvary Fello ship Ch rch Cal ar Fellowship Church (Am Fork) Davis Applied Technology College Granger Hunter Improvement District Adventure Liberty Park Camp Williams Davis School District Grantsville High School Aero-Graphics Canyon Pointe Ward (Spanish Fork) Daw Tech Gravel Masters Aldersgate United Methodist Church (Brigham City) Canyon Road Assembly (Ogden) Deseret Power Great Harvest Church (Midvale) Alphagraphics Capital Church Desert Edge Christian Chapel (Huntington) Great Life Foundation Alpine 4th Ward Castle Dale Stake Desert Springs Church (St George) Greenville Elementary (North Logan) Alpine Community Church (Riverdale) Cate Equipment Eagle Mountain City Griffin Memorial Church of God in Christ Alpine Stake CenterPoint Church (Orem) Eagle Mountain East Stake Harris Dudley Construction American Fork 31st Ward Centerville South Stake East Meadows Ward (Spanish Fork) Harris Research H i R h AMT Labs Central Refrigerated Services Ebenezer Church of God in Christ Health Equity Arrowstar Construction Children’s Service Society Elevation Church (Layton) Heber 12th Ward Ascension Lutheran Church (Ogden) Christ Evangelical Church (Orem) Emmanuel Baptist Church (Hyrum) Henderson Law Office Ashley Valley Calvary Chapel (Vernal) Christ United Methodist Church Ephraim Church of the Bible Henefer City Hall Aspen Meadows 1st Ward (Spanish Fork) Christian Heritage School (Roy) Evangelical Free Church Heritage Baptist Church (Rose Park) Aspen Meadows 3rd Ward (Spanish Fork) Christian Life Assembly of God (Payson) e-Vin, The Emerging Vineyard (Taylorsville) Holladay Baptist Church Autoliv Christian Life Center (Layton) ( y ) Farmington 4th Ward g Huntington Stake Bailey Moving Clear Channel Radio Farmington City Hurricane 15th Ward Barco Media Clearfield City Fillmore 1st Ward Hyrum City Beacon Metals Clearfield High School Fillmore 4th Ward Industrial Containers Big D Construction Clearfield South Stake First Baptist Church (Roy) Interior Solution Blanding Stake Clyde Companies Inc. First Baptist Church (West Valley) Intermountain Baptist Church Blessed Sacrament Church (Sandy) Coalville City First Church of the Nazarene (SLC) Intermountain Power Blomquist Hale Consulting Cole Holland Training Center First Southern Baptist Church (Bountiful) Interstate Hydraulics Bob Barker Company Columbia Elementary (Kaysville) First Southern Baptist Church (Monticello) JC Penneys Boondocks Fun Center Community Church of Clearfield Fort Herriman Stake LDS Jones and DeMille Boy Scouts of America Community United Methodist Church (Ogden) Freedom Second Ward Jordan 3rd Ward Bridgepoint Systems Connected Technologies, Inc Gateway Community Church (Draper) Jordan Meadows Ward (Lehi) BYU 137th Ward Cottonwood Partners Gerber Construction K2 The Church Cache County School District Country Park 2nd Ward Glenwood Ward Kaysville Stake Gods Place (Ogden) Kearns Improvement District
Businesses and Churches Participatingin Financial Peace University – Utah (Continued)A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003: p g p gKearns Western Hills Stake Ogden Christian Fellowship Roy Christian Church Stansbury Park High SchoolKeller Williams Real Estate Orem Sunset Heights 3rd Ward Salt Lake Church of Religious Science Steel EncountersKids on the Move Orem Sunset Heights 6th Ward Salt Lake Community College StetonLakeside Church (Syracuse) Orem Sunset Heights 7th Ward Salt Lake Granger East Stake STRATA NetworksLakeside Community Church (Sunset) Orem Windsor Stake Salt Lake Grant Stake Summit Adventure Church (West Jordan)Layton Hills Stake Our Saviors Lutheran Church (Roy) Salt Lake Little Cottonwood Stake Summit Chapel (Ogden)Les Olsen Copiers Overlake 2nd Ward Salt Lake McKinley Ward S lt L k M Ki l W d Summit School DistrictLifeline Community (West Jordan) Pacific States Cast Iron Pipe Company Salt Lake Technical Center Sundance ResortLiving Waters Christian Fellowship (West Valley) Page Ward (Payson) Salt Lake Wilford Stake Sunny Ridge Ward (Spanish Fork)Logan Church of Christ Parleys First Ward Sanderson Community Center (for deaf) Sunrise Valley DevelopmentLoomis Armored US Payson Mountain View Stake Sandy Crescent North Stake Syracuse Homestead WardMaranatha Baptist Church (Logan) Pleasant Grove Manila Stake Sandy Crescent Park Stake SyscoMarshall Industries Pleasant Grove Timpanogas Stake Sandy Crescent View Ward Taylorsville Central StakeMidvale City Pleasant View 3rd Ward Santaquin 4th Ward Taylorsville City y yMidvalley Bible Ch h (Bl ffd l )Mid ll Bibl Church (Bluffdale) Ponds Plumbing Santaquin North Stake Taylorsville Park WardModern Display Price 4th Ward Segway of Utah The Fellowship (Sandy)Morinda – Tahitian Noni Prince of Peace Lutheran Seventh-Day Adventist Church (Ogden) Genesis ProjectMount Vineyard Christian Fellowship (Park City) Provo City Shadow Mountain Church (West Jordan) The Rock Church (Sandy)Mountain Life Evangelical (Park City) Provo East Stake SLC Foursquare Church This is the Place Heritage ParkMountain of Faith Lutheran (Tooele) Provo Lakeside 10th Ward Snow College Tooele 1st WardMountain View Christian Assembly Provo Peak 3rd Ward Sojourn Community Church Tooele First Assembly of GodMountain View Fellowship (Heber) Provo Peak 7th Ward Sorensen Construction Tooele North StakeMountainland Design QSI Corp South Central Communications th Transcript Bulletin PublishingMurray 15 Ward Questar South Jordan 4th Ward TriTel NetworksMurray Little Cottonwood Stake Randolph Stake South Mountain Community Church (Draper) United Pentecostal Church (Midvale)Murray North Stake RE/MAX Overland South Valley Baptist Church (Riverton) Union Pacific RailroadNebo Learning Center Rich County School District Southeast Christian Church (SLC) Uppercase LivingNew Life Christian Center (St George) Richard Manufacturing Southside Church of Christ (West Jordan) US SyntheticNew Promise Lutheran Church (St George) Richfield East Stake Sperry Real Estate USU 2nd StakeNew Song Presbyterian Church Ridgecrest 2nd Ward (Bennion) Squire & Company PC Company, USU Continuing Education - MurrayNorth Hills Christian Fellowship (Tremonton) Riverton North Stake Squire & Company, PC Utah Department of Workforce ServicesNorth Ogden 19th Ward Rock Structures Excavating St James Catholic Church (Ogden) Utah Housing CorporationNorth Salt Lake City Rocky Mountain ATV Saint Johns Anglican Church (Park City) Utah Retirement SystemsOakley City Town Hall Rocky Mountain Waterproofing St Luke’s Episcopal Church Utah Youth VillageOasis Christian Church Rose Creek Crossing Ward (Riverton) St Luke’s Episcopal Church Valley Assembly of God Rose Park North Stake St. Matthews Lutheran Church Valley Emergency Communication Center Staker Parsons Valley View East Stake State of Utah Center (Ogden) Van Boerum & Frank Associates, Inc.
Businesses and Churches Participatingin Financial Peace University – Utah (Continued)A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:Vernal Christian ChurchVernal StakeWasatch ElectricalWasatch Evangelical Free Church (Roy)Washington Heights Baptist Church (Ogden)Wasatch Hills Seventh-Day Adventist ChurchWeber State UniversityWencorWest Bountiful StakeWest Jordan Mountain View 2nd WardWest Jordan River Oaks StakeWest J d SW t Jordan Seventh-Day Ad th D Adventist Ch h ti t ChurchWest Lake Community Church (Saratoga Springs)Western Metals TransportWestland 1st WardWestminster Presbyterian Church (Layton)Willard 2nd WardWolf Hollow 2nd Ward (Spanish Fork)Woods Cross High SchoolWoods Cross North StakeWorkforce ServicesWorld Vision Assembly of God (Vernal)
Businesses and Churches Participatingin Financial Peace University – IdahoA partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003: American Boise Northview Family Worship Center Firth LDS Firth Stake Falls American Falls Assembly Boise Park Center Assembly of God Fruitland West Valley Church Blackfoot Calvary Bible Church Boise Red Rock Christian Church Greenleaf Greenleaf Friends Church Blackfoot Fathers House Boise River of Life Homedale Friends Community Church Blackfoot First Baptist Church Boise Saint Johns Cathedral John s Blackfoot Meridian First Baptist Church Idaho Falls Church of Christ Boise Second Baptist Church Boise Amity United Methodist Church Idaho Falls First Church of the Nazarene Boise The Pursuit Boise Boise First Community Center Idaho Falls First Presbyterian Church Boise Ustick Baptist Church Boise Boise First Nazarene Idaho Falls Hope Lutheran Church Boise Boise Valley Christian Communion Boise Vineyard Boise Idaho Falls LDS Idaho Falls Lincoln Stake Boise Capital City Baptist Church Caldwell Boise First Community Center Jerome Believers Church Boise B i Capitol City Ch i ti Ch h C it l Cit Christian Church Caldwell Boone Memorial Presbyterian Church Jerome First Presbyterian Church Boise CBH Homes Caldwell Caldwell Christian Church Kimberly Our Savior Lutheran Church Boise Central Assembly Caldwell Caldwell Friends Church Kuna First Baptist of Kuna Boise Christ the King Community Church Caldwell Caldwell Police Department Kuna Kuna Seventh Day Adventist Church Boise Church of the Harvest Caldwell Church of the Brethren Lapwai N.A.M.E. Outreach Boise Cloverdale Church of God Caldwell Deer Flat Church Lewiston Beautiful Savior Lutheran Church Boise Cloverdale United Reformed Church Caldwell Oasis Worship Center Lewiston Boise Vineyard Boise Cole Community Church Caldwell The Crossing Church Lewiston Lewiston Seventh Day Adventist Boise Contact Christian Church Caldwell Valley Pentecostal Church Lewiston Orchards Community Church Boise Covenant Presbyterian Church Chubbuck Gate City Christian Church Lewiston River City Church Boise Eastwind Community Church Chubbuck Portneuf District Library Lewiston Tammany View Baptist Church Boise First United Methodist Church Chubbuck Redemption Christian Center Lewiston Valley Christian Center Boise Foothills Christian Church g Eagle Eagle Christian Church g Malad City LDS Malad City Boise Grace Chapel Eagle Eagle Nazarene Church Menan LDS Menan Boise Grace Community Church Eagle Organic Church Meridian Boondocks Boise Keller Williams Real Estate Emmett Community Bible Church Meridian Canyon Ridge Church Boise Mountain View Nazarene Filer First Baptist Church Meridian Capital Christian Center
Businesses and Churches Participatingin Financial Peace University - Idaho (Continued)A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:Meridian Center Point Church Nampa The Rock Twin Falls Twin Falls Reformed ChurchMeridian Central Valley Baptist Church New Plymouth First Baptist Church Weiser Community Church of WeiserMeridian Church of The Holy Nativity New Plymouth New Plymouth High School Weiser Oregon Trail Church of GodMeridian First Baptist Church Parma Kirkpatrick Memorial Community Church Weiser Weiser Community ChurchMeridianM idi General A G l Assembly & Ch h bl Church Payette Payette S Seventh-day Adventist C Church Wendell Living Waters Presbyterian ChurchMeridian Meridian Alliance Church Payette United Methodist Church Wilder Mountain View NazareneMeridian Meridian First Baptist Church Pocatello Calvary Alliance ChurchMeridian Meridian Gospel Tabernacle Pocatello First Baptist ChurchMeridian Meridian United Methodist Church Pocatello River of LifeMeridian Reflections Church Pocatello Trinity Reformed ChurchMeridian Ten Mile Community Church Post Falls Summit Northwest MinistriesMeridian The Experience Rathdrum Hayden Meadows Community FellowshipMiddleton First Baptist Church Rexburg BYU Idaho – Financial Aid OfficeMoscow Moscow Church of the Nazarene Rupert Calvary Chapel of Idaho FallsMoscow Moscow Seventh Day Adventist Church Rupert Grace Community ChurchMoscow The Summit Church Sandpoint Cedar Hills ChurchMountain Home Amazing Grace Church gMountain Home Mountain Home Air Force Base Sandpoint First Christian ChurchMountain Home Mountain Home Fire Department Sandpoint Saint Joseph Catholic ChurchNampa Bethel Church of the Nazarene Shelley Journey Community ChurchNampa Crossroad Community Church Soda Springs LDS Soda SpringsNampa College Church of the Nazarene Twin Falls Bethel Church of the NazareneNampa Crossroad Community Church Twin Falls Crossroads United Methodist ChurchNampa First Baptist Church Twin Falls First Church of the NazareneNampa First Church of the Nazarene Twin Falls Lighthouse Christian FellowshipNampa Grace Bible Church Twin Falls Magic Valley Church of ChristNampa Oregon Trail Church of God Twin Falls Rock Creek Community Church Twin Falls Stevens Pierce & Associates
Zions Bank Sponsors Utah High SchoolsFinancial Peace for the Next GenerationThe following schools use Financial Peace for financial literacy classes thanks to Zions Bank’s purchase of course material Bank s•Altamont Altamont High School •Midvale Hillcrest High School •Saint George Dixie High School•American Fork American Heritage School •Milford Milford High School •Saint George Milcreek High School•Beaver Beaver High School •Moab Grand County High School •Salina North Sevier High School•Bicknell Wayne High School •Monroe South Sevier High School •Salt Lake City Brighton High School•Bountiful Viewmont High School •Montezuma Creek Whitehorse High School •Salt Lake City Cottonwood High School•Brigham City g y Dale Young Community High School g y g •Monticello Monticello Monticello High School •Salt Lake City East High School•Castle Dale Emery High School •Mount Pleasant North Sanpete High School •Salt Lake City Granite High School•Castle Valley DayStar Adventist Academy •Murray Murray High School •Salt Lake City Granite Peaks High School•Cedar City Canyon View High School •North Logan Intech Collegiate College •Salt Lake City Highland High School•Cedar City Cedar High School High School •Salt Lake City Kearns High School•Cedar City Foothill High School •Ogden Ben Lomond High School •Salt Lake City Mountain View Learning Center•Clearfield Clearfield High School •Ogden Bonneville High School •Salt Lake City Salt Lake Lutheran High School•Delta CBA Center •Ogden Ogden High School •Salt Lake City Skyline High School•Delta Delta High School g •Ogden g Saint Joseph High School p g •Salt Lake City Taylorsville High School•Eskdale Eskdale High School •Ogden Two Rivers High School •Salt Lake City Wasatch Canyon Hospital School•Eureka Tintic High School •Ogden Washington High School •Salt Lake City West High School•Ft. Duchesne Uintah River High School •Ogden Weber Basin High School •Sandy Alta High School•Grantsville Grantsville High School •Ogden Weber High School •Sandy Jordan High School•Green River Green River High School •Orderville Valley High School •Smithfield Sky View High School•Highland Lone Peak High School •Orem Mountain View High School •South Jordan Bingham High School•Ivins Tuacahn High School •Orem Orem High School •Spanish Fork American Leadership Academy•Junction Piute Junior Senior High School g •Orem Timpanogos High School p g g •Tabiona Tabiona School•Kaysville Canyon Heights School •Payson Payson High School •Tonalea Navajo Mountain High School•Kaysville Davis High School •Pleasant Grove Pleasant Grove High School •Tooele Tooele High School South•Kaysville Mountain High School •Price Carbon High School •Trout Creek West Desert High School•Kaysville Nuames High School •Price Lighthouse Learning Center •Vernal Uintah High School•La Verkin Cross Creek Academy •Provo Discovery Academy •Wendover Wendover High School•Layton Northridge High School •Provo Independence High School •West Jordan Copper Hills High School•Lehi Lehi High School •Provo Meridian School •West Jordan West Jordan High School•Lindon Karl G. Maeser Prepatory Academy y y •Provo Timpview High School g •West Valley City East Hollywood High School•Logan Cache High School •Provo Walden School Of Liberal •West Valley City Hunter High School•Logan Logan High School Arts •Woods Cross Woods Cross High School•Logan Logan North Campus School •Randolph Rich High School•Magna Cyprus High School •Riverdell Christian Heritage School•Magna Vista Private School •Riverton Riverton High School•Manti Manti High School •Roosevelt Union Senior High School
What Employers Think ofthe END Program and FPU• “I am pleased to report that we paid off $7,506 of debt and put $1,000 in the bank. The last day of class was our 16th wedding anniversary. So we went around to three of our creditors and paid off the debts and then went out to eat (for the first time in several weeks) and celebrated the accomplishment. Yahoo!!!” Anonymous Senior Business Manager• “Aero Technologies Group has had over 125 employees participate in FPU. Ive heard many positive comments from excited employees who seem to have found an effective method of getting their financial houses in order. I feel this is one of the most meaningful and appreciated benefits we g pp have provided for our employees. Many employees have said that they want their children to learn these principles so that they wont make the same mistakes as their parents.” Mike Colledge, Director of Human Resources Aero Technologies G A T h l i Group
What Employers Think ofthe END Program and FPU (cont ) (cont.)• “The most important thing that came out of this is that my wife and I can talk about money without animosity or arguing. Our relationship is getting better as each debt gets closer to payment payment. “Getting out of debt safely and sanely is really, really, important, it ranks in importance with your personal health and that of your family. Dave is working to save the families of America.” Layne Hadley, AMT Labs• “We thought the class was tremendous, in fact we took it with our daughter and son-in-law We had 2 other employees who were son-in-law. struggling with money issues take the FPU classes who feel they have a new vision and plan for their finances. We would like to volunteer our facility for a new class. Thanks for the invitation. This is tremendous information.” information Ken Riches, Pres / CEO, Beacon Metals Inc
What Churches are Saying aboutFinancial Peace University• “The FPU seminar was extremely practical and well worth our time and effort to host. Dave Ramsey is an excellent speaker and clearly has a passion for helping people gain financial freedom. Im sure my church members and others who attended benefited greatly from the seminar and we will do it again! again!” – Bernie Anderson, Wasatch Hills Seventh-Day Adventist Church• “The response we are getting from participants is tremendous. I strongly encourage pastors to use this valuable resource to help teach their members how to be good stewards of their money.” – Dale Jumpp, New Life Christian Fellowship, Tooele• “In my ward at the time this class began there were five families receiving assistance. All five were enrolled in FPU. At the end of the course and at present four of the five families are off welfare assistance. Two of the families suffered from underemployment and have both found additional or upgraded jobs due to the information and motivation obtained in the FPU cou se ast y, o course. Lastly, from a sp tua pe spect e, those sa e families a e now faithful in pay g t e spiritual perspective, t ose same a es are o a t u paying their tithes and offerings which, obviously, brings additional blessings and strength to their families and marriages. Financial Peace gives you the tools to financially change your life.” – John Hollingshead, LDS Centerville South Stake
Free Super Saving Seminar• Show the first one-hour FPU Super Saving lesson – This seminar teaches to save for emergencies, purchases and retirement• Schedule this free seminar at your convenience: workdays, evenings, weekends, or ONLINE – Zions can provide you with free flyers, posters, and other tools to encourage people to attend• Recommend hosting this in August or early September• Host may qualify for a $25 or $50 Visa gift card• Participants are entered in $1,000 Emergency Fund Drawing• One hour presentation (a Zions employee familiar with the program can make the presentation, or you can choose to present it yourself, or use the online version)• Request 15+ people in attendance for onsite version• Also available in Spanish on DVD
Sample Super Saving Material 8 ½ x 11 poster 8 page workbooklet 3 ½ x 8 ½ flyer
Hosting Financial Peace University• 75% of local FPU classes are hosted by community and church groups.• Businesses can open classes to the public or limit participation to employees. employees• A free membership is provided to the class coordinator.• A second free membership may be provided to a needy family if a scholarship is available.• Spouses of deployed military personnel can attend for free courtesy of free, Zions Bank.• $150 course DVD lessons donated by Zions Bank if class is open to the general public. Must be hosted at a non-residential location.• FPU kits can be ordered through Zions Bank at $99 per household payable household, when people pick up their FPU kits in class. Extra unopened kits can be returned.• Classes can be run with or without Zions Bank assistance.• Recommend starting classes th week of September 12, 2011. R d t ti l the k f S t b 12 2011
Conclusions• Participants who completed class reported life changing results with personal financial situation. p• Opinion of Zions Bank and other hosting organizations for sponsoring this program is overwhelmingly positive.• The positive experience of people completing this program is contributing to growing demand for this program.• See following p g for sample feedback from p g pages p past participants.
Selected Participant Comments RegardingProgram• Financial Peace University saved our marriage (and our money!).• I have restructured many financial aspects of my life, which I already felt I had figured out. It has reinforced my philosophy which has always been save plan out save, plan, and give. I now am doing this all more aggressively.• The one area in our marriage we struggled with was finances. After attending and applying the principles taught, a wonderful marriage was made even more perfect. It is so comforting to now have a plan. Some of the best time we have ever spent "investing" in our family was the thirteen weeks here Thank you here. you.• This class has changed the way I look at my monthly surplus. Ive learned it is not something extra to be spent. It needs to be saved.• It has opened our eyes to how we spend our money. I feel much safer following this plan. We have opened our communication lines and have a much better relationship.• Got us on a budget so we can see where our money goes. Shows us how to get out of debt and stay out. And how to retire more comfortably. We have become more aware of our money and where it is going. This allows us to pinpoint the areas we can save I really gives you "peace of mind " save. peace mind.• For me, most of what I have learned I have passed on to my kids who are just starting out. I wish I had this class 30 years ago. We would be a lot better off today.
Selected Participant Comments RegardingProgram (2)• We have finally found a complete system for personal finance. I can now feel confident in my financial responsibilities, that I know nothing is being left out.• It has given us a focus and a real plan. All our other "plans" have not seemed to get us anywhere.• This has made the biggest impact in our marriage and partnership with finances. Before I did the finances alone and my husband was always upset at why we never had enough money. Now we are more together or completely together on our money budgeting and knowledge of where the money goes.• We have less stress, enjoy life more and are paying debts off faster.• Financial Peace University has shown us that there is hope; that we can and will get out of debt.• We have worked into a family budget that we had not done yet in our marriage (13 years). We have a common vision of how and where we want our money to work for us. We have an irregular income and now a method to procure our own wealth.• Reduced much anger, resentment, tension.• We have a working budget We have cash savings and we are done borrowing $ budget. $.• A huge impact! We have financial hope and peace. We now know what to do and how to do it. I am anxious to spread this to my family and friends.
What Do I Do Now?• Schedule a free Super Saving Seminar with at least 15 households participating. August or early September would be an ideal time. – Over 1,000 seminars have been presented in Utah and Idaho since 2003.• Consider hosting a 13 Week Financial Peace University class after hosting the free Super Saving Seminar. You only need 7-10 households to have an effective class size.• Recommend starting FPU class the week of September 12, 2010 with free Super Saving Seminar(s) a week or two in advance.• Email email@example.com to get started.
Schedule Your Free Super Saving Seminar(s)Before Classes Start Sunday Monday Tuesday Wednesday Thursday Friday Saturday Aug 1 2 3 4 5 6 Promote S P t Super S i S i Saving Seminar at Y t Your O Organization i ti7 8 9 10 11 12 1314 15 5 16 6 17 18 8 19 9 20 0 Host Free Super Saving Seminar21 22 23 24 25 26 2728 29 30 31 Sep 1 2 34 5 6 7 8 9 1011 12 13 14 15 16 17 FPU Classes Begin g
For more information:• Don Milne, Financial Literacy Manager, 801-844-7977, firstname.lastname@example.org• Website: www.endprogram.com – Watch the FPU orientation video linked to this website• Visit www.daveramsey.com/zionsbank to watch the free Super Saving lesson online• Information on FPU classes: 1-800-376-7092 or email@example.com Pass on this presentation to other business, community, and church leaders that could benefit from seeing it.