Couples and Money
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This seminar helps couples communicate about money matters, offers money and budget saving tips, and helps couples develop a spending plan for their future goals.
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The document provides advice on financial empowerment and things women should know about managing their money. It discusses that women on average leave the workforce for longer periods than men, are paid less, and have less savings and retirement funds. It then offers tips in 3 sentences or less on saving money, investing for retirement, maintaining good credit, managing debt, choosing insurance and financial advisors, and creating a financial plan.
foundations-presentation-budgeting Budgeting Presentation.pptx
This document provides an overview of budgeting concepts including:
- The key components of a budget including income, expenses, and calculating net income or loss. It also distinguishes between fixed and variable expenses.
- Types of income such as earned, portfolio, and gifted/loaned income and how taxes apply.
- The importance of setting both short-term and long-term financial goals when creating a budget.
- Tips for keeping a budget on track and adjusting it over time when needs or expenses change.
Newsletter Short Term Planning
- The document provides tips on financial planning, advising readers to create a budget to understand spending, pay down expensive debts aggressively, set short, medium, and long term goals, and build an emergency fund of 3-6 months' expenses to protect against unexpected costs.
- It recommends tracking expenses to identify unnecessary spending, focusing on high interest debts first, and viewing financial plans as a roadmap to reach savings milestones over time.
Money Management
The document provides information on money management and budgeting. It defines key terms like needs versus wants, assets and liabilities for calculating net worth. It explains that a budget is a plan for spending, saving and tracking expenses. The document outlines steps for creating a budget like tracking spending, figuring out income and expenses, paying yourself first and building an emergency fund. It also gives tips for cutting expenses and increasing income.
Cash Flow Planning Bonus ProjectPlan AheadWe are told, in
This document provides guidance on creating a cash flow plan, including recommended percentages to allocate to different budget categories like housing, utilities, food, transportation, and more. It emphasizes the importance of planning spending ahead of time rather than letting unbudgeted money slip away. The document then provides a cash flow planning worksheet and questions to complete, including calculating expenses as a percentage of income and ways to reduce costs in key categories like housing, transportation, and food.
Mod 6 - Budgeting ppt v3 07092013
A budget is a plan that outlines a person's expected income and expenses over a set period of time. Creating a budget helps determine if one can afford certain purchases or needs to reduce spending. It is an important tool for prioritizing spending and managing finances. Students and new graduates especially benefit from budgets to handle school or living expenses with limited income. After graduating, priorities for budgeting include paying off student loans, building an emergency fund, and starting retirement savings. Practicing impulse control and automating savings are keys to effective budgeting.
Mod6 budgeting ppt v2 - 06262013
A budget is a plan that outlines a person's expected income and expenses over a set period of time. Creating a budget helps determine if one can afford expenses and prioritize spending. It is important for students, new graduates, and beyond to create budgets that allocate funds for necessities, debt repayment, emergency savings, and retirement. Proper budgeting requires tracking income and expenses, paying off high interest debts first, building an emergency fund, and practicing self-control to avoid impulse spending.
Women Cash Flow And Budgeting
The document discusses cash flow management and financial fitness. It begins by stating that 43% of Americans spend more than they earn each year. It then outlines goals for the session, including providing insight, inspiration, and ideas/methods to help improve financial situations. Several symptoms of poor financial health or discomfort are listed, including poor cash flow management and excessive debt. Effective cash flow management is important as it provides control and reduces stress. The document provides advice on tracking spending purposefully and aligning budgets with goals/values to improve cash flow.
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