SUCCESSFUL DEBT REDUCTION
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1) Financial literacy and having a written spending plan are important for debt reduction and overall financial health. 2) Most people are unaware of basic financial concepts like interest rates, credit scores, and investing principles. 3) Tracking spending habits is the first step to identifying areas to cut back, whether it's small daily purchases or larger unnecessary expenses. Savings from even minor changes can add up significantly over time.
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Put Your Money to Work for You
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Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
Put Your Money to Work for You
The document provides advice from Linda Descano and Elisabeth Leamy on personal finance topics. Some of their tips include automating savings so the money is not easily spent, thinking of budgets as spending plans rather than restrictions, and prioritizing retirement savings over saving for children's college since loans are available for college. They also discuss approaches to managing debt, selecting financial planners, refinancing loans, and managing money as a married couple.
Christian Financial Planning
The document provides guidance on Christian financial planning in 12 areas: earning, spending, saving, giving/tithing, estate planning, determining values and financial situation, establishing goals, developing a spending plan, keeping records, praying, establishing goals, and goals. It recommends monitoring earnings, spending, saving, giving, and estate planning. It outlines elements of a financial plan including determining values and financial situation, establishing goals, developing a budget, and keeping records.
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SUCCESSFUL DEBT REDUCTION
- 1. © 2008 Financial Health Counseling Services, Inc. Presented by: Diane R. Schmidt Certified Financial Health Counselor www.fhcsi.info diane . [email_address] .info Successful Debt Reduction
- 3. How costly is financial illiteracy Many people do not understand the concept of “Universal Default Rate” Many people do not understand that the cost of the insurance for a car or house is tied to their FICO* scores * Insurance companies have their own FICO model 53% of people who took a multiple choice investing quiz didn’t know that total return was the best measure of a mutual fund’s performance More than 80% of consumers don’t understand that interest begins to accrue from the date of purchase on accounts with outstanding balances Nearly 80% of consumers do not know how the grace period on a credit card works. Only 8% of people who invested in the stock market knew that there’s no “insurance” against fraud in your portfolio Fewer than one in four adults can explain what a municipal bond is. Less than 10 percent of American adults understand a 401(K) well enough to explain it to someone else. One of every two marriages in America ends in divorce. Studies show that financial disagreement is one of the leading causes of discord 20% of baby boomers are saving adequately for retirement and one quarter of adults between 35 and 54 have not even begun to save for retirement
- 10. Calculate your bad debt danger ratio 10 to 20 percent of your annual income is acceptable. When your bad debt ratio pushes and begins to exceed 25% of your income, you are reaching the danger zone . Bab Debt danger ratio Bad debt annual income
- 18. WHAT PLAN? YOUR PERSONAL WRITTEN SPENDING PLAN!!!!!!!!!
- 28. FINALLY!!!! BE DISCIPLINED, COMMITTED, CONSCIOUS OF YOUR SPENDING PLAN AND MORE IMPORTANTLY YOUR LONG TERM GOALS AND DO NOT ADD NEW CREDIT**