Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
Your ticket to financial freedom doesn’t lie in getting a raise or enlisting services of a personal financial consultant. Your ticket to financial freedom lies in mastering basic money management.
Personal Finance: Budgeting & Psychology of Spending by @PhroogalJason Vitug
Budgeting is an important and vital part of personal finance. The seminar focuses on the importance of mindset to create and stick to a budget. It examines the psychology of spending and our relationship with money. The goal is to educate attendees on key budgeting terms, motivations, pitfalls and the steps to start a budget.
A budget is a spending plan that you decide upon. It is based on how much you make in income and what your monthly expenses are. By understanding your monthly income and expenses, you will be better able to manage your cash flow and determine how much debt, if any, you can assume.
Financial Literacy Seminar for Secondary School StudentsLaja Shoniran
Financial illiteracy and ignorance about money management are major reasons for recurring poverty. Teaching young people in secondary schools about money management creates a new generation of people who are money smart and financia;lly literate
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
Unit one of Floyd Saunders' Personal Money Management Seminars - Learn the basics of budgeting and why managing your money starts with controlling spending. This is the first unit in a series of six that include: buying your first home, credit cards, living on your own, handling credit and savings/investing. Contact me for the instructor's guide and participant workbooks.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
Money saving takes discipline, so savers must be prepared to make sacrifices in order to achieve their saving goals and detect what they were not successful at it before.
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Cash Flow Planning Bonus ProjectPlan AheadWe are told, inMaximaSheffield592
Cash Flow Planning Bonus Project
Plan Ahead
We are told, in business, that we should be proactive; and broadly what is meant by that is to focus our efforts and attention on the long-term and to think in terms of the long-term consequences of our actions.
Proactive people simply will not accept that there is nothing that can be done about the unreasonable boss or the events of daily life - they will point out that there are always choices. It is by the decisions we make, our responses to people, events and circumstances that proactive people can and do affect the future. We may have no control over what life throws at us but we always have a choice about how we are to respond. —Stephen Covey's landmark book The 7 Habits of Highly Effective People
The purpose of creating a Cash Flow Plan is to spend your paycheck on paper before you actually spend it during the month
Remember:
Money is active and always moving
Wealth is no longer measured in what you make a year
Wealth is measured in what you do with your money during a year
You will either be on your way to being wealthy, broke, or poor
Give your money a name
Rent/Mortgage, food, utilities, taxes, insurance, etc.
Money that is simply left unaccounted for will always find a way out of your personal financial plan
This Cash Flow Plan should be done every pay period!
Recommended Percentages used for Budgeting
The following are a compilation of several sources to derive the suggested percentage guidelines. However, these are only recommended percentages and will change dramatically if you have a very high or very low income.
For instance, if you have a very low income, your necessities percentages will be high. If you have a high income your necessities will be a lower percentage of income and hopefully savings (not debt) will be higher than recommended.
ITEMACTUAL %RECOMMENDED %
CHARITABLE GIFTS _________ 10%
SAVING _________ 5-10%
HOUSING _________ 25 -35%
UTILITIES _________ 10-15%
FOOD _________ 15%
TRANSPORTATION _________ 10%
CLOTHING _________ 2-7%
MEDICAL/HEALTH _________ 5-10%
PERSONAL _________ 5-10%
RECREATION _________ 5%
DEBTS _________ 5-10%
Cash Flow Planning
Every dollar of your income should be allocated to some category on this sheet. Money "left over" should be put back into a category even if you make up a new category. You are making the spending decisions ahead of time here. Almost every category (except debt) should have some dollar amount in it.
Fill in the amount for each subcategory under "Subtotal" and then the total each main category under "Total." As you go through your first month, fill in the "Actually Spent" column with your real expenses or the saving you did for that area. If there is a substantial difference in the plan versus the reality something has to give. You will either have to adjust the amount allocated to that area up and another down or you will have to better c ...
This presentation is made by students of ACPCE - Anamika Mishra, Kirti Karawde, Prathamesh Mahadik, and Ritik Kale.
This presentation introduces the concept of financial literacy to the young generation. It also gives tips on how to go from financially crippled to financially able.
Unit one of Floyd Saunders' Personal Money Management Seminars - Learn the basics of budgeting and why managing your money starts with controlling spending. This is the first unit in a series of six that include: buying your first home, credit cards, living on your own, handling credit and savings/investing. Contact me for the instructor's guide and participant workbooks.
Personal Financial planning & ManagementAshish Ongari
Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.
Money saving takes discipline, so savers must be prepared to make sacrifices in order to achieve their saving goals and detect what they were not successful at it before.
Financial literacy for OFWs, prepared by the Development Bank of the Philippines. This a good presentation to view and discuss with your domestic helper.
Cash Flow Planning Bonus ProjectPlan AheadWe are told, inMaximaSheffield592
Cash Flow Planning Bonus Project
Plan Ahead
We are told, in business, that we should be proactive; and broadly what is meant by that is to focus our efforts and attention on the long-term and to think in terms of the long-term consequences of our actions.
Proactive people simply will not accept that there is nothing that can be done about the unreasonable boss or the events of daily life - they will point out that there are always choices. It is by the decisions we make, our responses to people, events and circumstances that proactive people can and do affect the future. We may have no control over what life throws at us but we always have a choice about how we are to respond. —Stephen Covey's landmark book The 7 Habits of Highly Effective People
The purpose of creating a Cash Flow Plan is to spend your paycheck on paper before you actually spend it during the month
Remember:
Money is active and always moving
Wealth is no longer measured in what you make a year
Wealth is measured in what you do with your money during a year
You will either be on your way to being wealthy, broke, or poor
Give your money a name
Rent/Mortgage, food, utilities, taxes, insurance, etc.
Money that is simply left unaccounted for will always find a way out of your personal financial plan
This Cash Flow Plan should be done every pay period!
Recommended Percentages used for Budgeting
The following are a compilation of several sources to derive the suggested percentage guidelines. However, these are only recommended percentages and will change dramatically if you have a very high or very low income.
For instance, if you have a very low income, your necessities percentages will be high. If you have a high income your necessities will be a lower percentage of income and hopefully savings (not debt) will be higher than recommended.
ITEMACTUAL %RECOMMENDED %
CHARITABLE GIFTS _________ 10%
SAVING _________ 5-10%
HOUSING _________ 25 -35%
UTILITIES _________ 10-15%
FOOD _________ 15%
TRANSPORTATION _________ 10%
CLOTHING _________ 2-7%
MEDICAL/HEALTH _________ 5-10%
PERSONAL _________ 5-10%
RECREATION _________ 5%
DEBTS _________ 5-10%
Cash Flow Planning
Every dollar of your income should be allocated to some category on this sheet. Money "left over" should be put back into a category even if you make up a new category. You are making the spending decisions ahead of time here. Almost every category (except debt) should have some dollar amount in it.
Fill in the amount for each subcategory under "Subtotal" and then the total each main category under "Total." As you go through your first month, fill in the "Actually Spent" column with your real expenses or the saving you did for that area. If there is a substantial difference in the plan versus the reality something has to give. You will either have to adjust the amount allocated to that area up and another down or you will have to better c ...
Budgeting and Savings with ING Driect and ACCION USAACCION East
Make sure to look out for the next workshop that ACCION and ING wil host at http://www.accionusa.org/home/small-business-loans/financial-education-resources/workshop-calendar.aspx
E-learning Personal Finance Management - with design v2 .pptxakinsumboayomide
Basic financial vocabulary
The goal of financial planning
Tools for financial planning and budgeting
Introduction to savings and investments
Overview of lending products
Australian Lifeskills - Budgeting Level 3Teejay Maths
Suits ages 11-15 after completion of Level 2 Financial Maths lessons
Lesson Objective:
By the end of the lesson, pupils will be expected to understand the purpose of a budget and the impact changes to income and expenditure will have to the overall budget.
Outcomes:
I can budget effectively, manage money and plan for future expenses making use of technology and other methods, to
Letter of Last InstructionA letter of last instructions isn’t a.docxjeremylockett77
Letter of Last Instruction
“A letter of last instructions isn’t a will or a substitute for a will. It is a detailed list of everything a survivor needs to know in order to handle your personal finances should anything happen to you. Without one, you or your loved ones might have to spend months–and perhaps hundreds of dollars–locating bank accounts, safe-deposit boxes, and other particulars of your financial life. People often put off writing the letter. It is–quite frankly–a big job of organizing and detail gathering.” (https://extension.usu.edu/files/publications/factsheet/FL_FF-19.pdf)
The LLI covers other issues as well. Here are the main concerns
1. Burial wishes (cremation/burial, location) and funeral arrangements. You could also address your DNR wishes and organ donation.
2. Assets and dispersal (minimum 5 items, or more….)
Item
Asset Value
Sentimental Value
Recipient
3. Personal statement
“Knowing where these items are located will make it easier and less stressful for your family to settle your estate when you are gone. The grief experienced by surviving relatives only becomes more difficult to manage when important information, some of which is needed almost immediately, is misplaced. Providing instant access to a document may prove vital to insure that certain, essential instructions are carried out as planned.” https://extension.usu.edu/files/publications/factsheet/FL_FF-19.pdf
Fi 218 Personal Finance
Salary and Job Preparation Worksheet
What is your desired career field?
What is your desired position?
Will you be able to start in this position or need to work up to it?
If you need to work up to your desired job, what jobs will you have prior?
What are the necessary qualifications for your desired position?
What is the average starting salary? (Find from 3 sources)
1.
2.
3.
What are the steps you are going to have to take to obtain your desired position?
MechanicalEngineeringInternship
DesignEnginner Intern
I think that I am readybecause I have
done a lot of 3D designprograms inschool and that whattheyneed
I think doing Engineeringprojectwillhelp a lot because
we will use the 3 Dprograms that theyrequired
Thenecessaryqualificationforthisposition are
experiencewith the3 Dprogram
3edyear in MechanicalEngineeringprogram
Theaveragestartingsalary is 1226perhouse
BB
The firststepis readingcarfallyaboutthecompany and
f
3
https://www.indeed.com/career/engineering-intern/salaries
https://www.scranton.edu/studentlife/studentaffairs/careers/resource-pages/how-much-
should-you-pay-an-intern-nace.pdf
https://www.payscale.com/research/US/Job=Engineering_Intern/Hourly_Rate
WORKSHEET 1 -
GOAL
PRIORITY LEVEL
1 low- 10 high
DESIRED
ACHIEVEMENT
DATE
ANTICIPATED
COST
Accumulate emergency funds equal to
3 months' living expenses
Pay off outstanding bills
Pay off outstanding credit cards
Purchase adequate property, health,
disability, and liability insurance
Purchase a major .
Ammad awan glasgow - personal financial planningAmmadAwanGlasgow
Ammad Awan Glasgow is also responsible for ensuring that profitable sales volume and strategic objective targets are met for the assigned key accounts.
Biggest Budget Challenges That You Need To Be Aware OfSamuel Albert
Budgeting is cool and every one of us needs to start using this tool. However, it has its own challenges that you may need to know and find ways to avoid. To be forewarned is to forearmed.
This paper assesses the feasibility of launching a Micro Saving and Lending(MSL) product by CBE. It found that launching a Micro Saving and Lending(MSL)product is feasible due to the low status of, and high demand for banking digitally in Ethiopia. Micro Saving and Lending(MSL) is a mobile based banking service going to be provided by CBE through CBE Birr. It has banking products that provide convenience, reliability and cost-effective for making micro-saving and taking micro loans. The target customers for this service are all CBE Birr customers. The services provided by MSL are deposit, withdrawal, loan request, loan repayment, balance enquiry, and mini statement.
The following four major business drivers for the introduction of MSL banking service are there. First, CBE has introduced a new customer-centric business model and organizational structure to provide effective service based on customer segment and demand. Second, the National Digital 2025 plan emphasizes the significance of nurturing the small but promising existing ecosystem of digitally enabled society. Third, the internet user ratio of the Ethiopian population is increasing with very high rate, data show that Ethiopia’s internet user population increased by 731 (+2.5 percent) between 2021 and 2022. Fourth, larger part of the Ethiopian society is unbanked and new technologies such as mobile wallet could boost financial inclusion. Finally, the area of banking completion has been through the digital banking.
As per different research finding digital banking is gaining maximum popularity and the banking competition in this area is reaching its toughest stage. Commercial banks, the Cooperative Bank of Oromia, Fin-techs, and Telecommunication companies are getting into the business and are becoming potential competitors. This assessment it has tried to recommend for launching a digital micro saving and lending services and products for the bank’s CBE Birr customers by implementing the best risk-mitigating mechanism with open credit scoring mechanisms, cash flow-based loaning, and psychometric testing method.
CBE has the motivating potential and capabilities to establish the digital saving and lending services effectively, efficiently, and sufficiently. Firstly, it accounts for nearly 50% of the total assets and market share of the banking system and follows a customer-centric service delivery strategy which could help to provide digital micro saving and lending service. Secondly, the NBE National Financial Inclusion Strategy II, (2021-2025), has the vision to create a financially inclusive Ethiopia, which helps to get regulators’ support. Thirdly, it is forming partnerships with different international and domestic (public, development, and government) organizations to improve its capacity to manage the program.
Indeed, CBE should allocate a significant percentage of its asset to start the digital micro saving and lending service to improve its credit portfolio diversification, ex
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
2. Students will be able to define the following key
terms: budget, expenses, income, wants, needs,
fixed income, unexpected expense, and debt
Students will be able to plan a working budget
Receive knowledge to develop a budget to use in
their family/personal life
Create a budget using spreadsheets
Distinguish between wants and needs
Categorize wants into a list
Categorize needs into a list
Because of this exercise, students will understand
their income, expenses, and plan a realistic budget.
3. This lesson will include real world reading, math, and
technology skills used in monthly financial planning.
Lesson Focus: Practical understanding of budgeting
and differentiate between the “I want it” and “I need
it” columns.
Lesson Goal: To spend less than what we earn,
make better financial decisions, and deposit any
money left into a savings account.
5. A Budget is a plan that a family or person creates to
spend and save money.
A plan that sets a sum of money aside that is
needed for a given purpose (Dictionary.com, 2012).
It helps a person learn how much he or she is
spending and how much he or she is
saving.(Bernstein, 36).
6. Cost or charge, cause or occasion of spending
(Dictionary.com, 2012).
Expenses are the bills and other things that you
spend money on.
For example, the electric bill is an expense
In addition, Expenses can include going out to
eat
7. A payment received for goods or services or other
sources such as rent or investments (
Dictionary.com, 2012).
Your income is the money you earn or receive each
week, bi-weekly, monthly.
It includes interest from a checking or savings
account
Including interest from a second job, hobbies( items
sold from what you made as a hobby, investments,
and governmental supplement income
8. A uniform or set rate of income per amount of time
(Dictionary.com, 2012).
Fixed income is an when a person has a set amount
that is earned or received weekly, monthly, bi-weekly
or monthly.
For example, a person who receives social security is
on a fixed income
9. Unexpected expenses are considered curveballs
because they are expenses you do not expect to
arise.
For example, your daughter is playing basketball and
she injuries her knee during a game.
The doctor bill and medication is an unexpected
expense
It is important to save money ( a rainy day fund) for
unexpected expenses
10. Of necessity, necessarily, a must (Dictionary.com,
2012).
Needs are necessities, they are the expenses you
need to survive:
For example…Clothing, Food, & Laundry
Utilities ( gas, electric, water, food, & a
telephone)
Insurance: Car, home, renter’s insurance
Transportation
A home
11. To wish, crave, demand, or desire. An impulse (
Dictionary.com, 2012).
Wants are things that you do not need to
survive:
For example, movie rentals
Movie tickets
Hobby supplies
Going out to eat at a restaurant
Cable TV or Satellite TV
12. What is debt?
Something that is owned or one bound to
pay to another (Dictionary.com, 2012).
Debt is when a person owes money
For example a mortgage, car payment, or
credit cards
13. There are 7 steps in creating a monthly budget
1. List all of your monthly needs
2. List of some of your wants
3. Write down your monthly income or fixed
income
4. Add your total income if you have more than 1
income.
5. Add your needs and your wants together to
view the Total Expenses
6. Subtract the Total Expenses from your Total
Income
7. The money left is your monthly savings ( place
it in your savings account!)
14. 1. Why do you think a budget is important in
healthy family/personal financial planning?
2. What happens if we spend more than we earn?
3. How can we avoid overspending?
15. 1. What is a budget?
2. Why do we need a budget?
3. What is an expense?
4. What is a need?
5. What is a want?
6. How do we calculate monthly expenses &
weekly savings?
