2. #10 Get a Grip on Desire
#9 Forget About Your 'Sosyal' Friends
& Relatives
#8 Start Tithing & Keep on Tithing
10 Things to do to build
FINANCIAL FREEDOM
3. #7 Commit Yourself to Becoming Debt-
Free
#6 Save, Save, Save
#5 Spend Wisely
10 Things to do to build
FINANCIAL FREEDOM
4. #4 Invest Wisely
#3 Avoid Indulgences
#2 Gain Victory Through Vision
#1 Each Day, Pray Before You Pay
10 Things to do to build
FINANCIAL FREEDOM
9. jUST MAKING A LOT OF MONEY
WON'T SOLVE YOUR PERSONAL
FINANCE PROBLEMS. YOU SHOULD
ALSO KNOW HOW TO BUDGET
AND HOW TO PROPOERLY SPEND
THAT INCOME.
DO'S & DONT'S OF
SPENDING MONEY
10. Spending your income and
saving what is left
DO
Set aside money for
savings first before
spending
DON'T
Buy generic items as
these cost less for
virtually the same thing
Buying branded items all
the time
11. Using out-of-network
ATMs as those extra fees
can add up
DO
Use your bank's ATMs to
avoid extra charges
DON'T
Shop only when you have
a list of things to buy
Impulse shopping, sudden
purchases
12. Spending mindlessly until
you run out of money
DO
Tracking and reviewing
your expenses
DON'T
Investing on legit
investments vehicles
Relying on lottery tickets
13. Buying too much apps and
not using them
DO
Look for free apps which
can substitute those paid
ones
DON'T
15. Create a Financial Tracker and
Planner.
Indicating the following:
Savings Tracker
Expenses Tracker
Budget Tracker
What Can I do to improve My
Spending Habits?
LET'S TRY
21. Bills that charge fees
Paying Off Debts
Small, Everyday Purchases
1.
2.
3.
When to Pay
with CASH
22. Price Protection
Extended warranties for
electronics
Hotel Stays and rental cars
International Travel
Large purchases
1.
2.
3.
4.
5.
5 times it makes
more sense to use a
credit card
24. How much E-Fund
should I build?
THREE MONTHS WORTH IS
GOOD
FOUR MONTHS WORTH IS
BETTER
3
4
5
6
FIVE MONTHS WORTH IS
GREAT
SIX MONTHS WORTH IS
EXCELLENT
25. EMERGENCY
FUND TIPS
Don't invest your
emergency funds.
keep some of those
emergency funds in cash.
Keep your emergency funds
to a maximum of 6 months
worth a expenses only.
If you are comfortable
with managing multiple
accounts, a separate
savings acct for your e-
funds ia a good idea.
26. HOW TO SAVE
AND ENJOY
YOUR MONEY
AT THE SAME
Pay yourself first
Budget
Set aside some money for
guiltless spending
27. 5 STEPS FOR
CREATING A
BUDGET YOU
CAN STICK TO
START WITH YOUR GOALS
KNOW YOUR INCOME
1
2
3
4
TOTAL YOUR MONTHLY
EXPENSES
CREATE A REALISTIC BUDGET
5
REVISIT YOUR GOALS AND
EXPERIENCES