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Making Money Easy: How to Manage, Keep and Save More this
Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Belinda Rosenblum, CPA (formerly Belinda Fuchs) is helping thousands of people discover how “owning your money” creates certainty, security, and the life of financial independence they deserve. Belinda is the President of OwnYourMoney.com, a financial coaching and education company teaching individuals, couples and business owners how to make personal finance and small business success rewarding, manageable, and profitable. Her expertise is in high-‐demand as she hosts her own TV show, radio show, and is a member of the National Speakers Association. She is often called on as the financial guru for Boston’s ABC, NBC, and FOX networks, Yahoo!Finance, WomenEntrepreneur.com, Inc.com, SmartMoney.com, Univision.com, Today’s Financial Woman, RI Monthly, the Boston Business Journal, and even the Encyclopedia Britannica. Clients include Harvard Business School, BNY Mellon, MA Conference for Women, McGraw-‐Hill & Companies, Association of Administrative Professionals, the Bryant University Women’s Summit, Harvard University, Bentley University, Boston Area Real Estate Investors Association, YWCA 8th Annual Money Conference for Women, and the Visiting Nurses Association. In her newest product, INVEST IN YOURSELF: The 7-‐day System to Take Control of Your Money, Belinda personally coaches you with a step-‐by-‐step formula to reclaim your financial power and rebuild your bank account. Belinda’s ability to inspire action in others is fueled by her passion for helping people appreciate their self-‐worth and realize their financial goals. Own Your Money, LLC 855-‐866-‐6398 www.OwnYourMoney.com 1 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before TABLE OF CONTENTS Module 1: Find Your Money page 3 Cash Flow Instructions page 10 Cash Flow Template page 12 Cash Flow Couples Template page 14 Module 2: Live Within Your Means, Enjoy Your Life, and Build Your Cushion Savings page 21 50+ Ways to Live More and Spend Less page 29 IDEA System page 33 Module 3: Why a PLAN is SO Much Better Than a Budget page 41 Module 4: Staying in Action All Year Long page 59 Money Date Checklist page 64 Module 5: Q&A page 75 2 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before MODULE 1: FIND YOUR MONEY 3 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What dream would you like to make a reality as a result of this program? ________________________________________________________________ ________________________________________________________________ At the end of the program, you’ll be able to: • Use the new ____________________________________________ • Be in ______________ with your new ______________ steps • Make this your year to ________________________________ __________________________________________________________ Take a deep breath. Suze Orman said, “What’s really important that you get is that they have to want to ______________________________.” 4 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What is most important to getting most out of this course? ___________________ in yourself and your results. What reasonable goal can you set for yourself, with a little stretch built into it, that will keep you inspired throughout this program? ________________________________________________________________ ________________________________________________________________ Take a deep breath. WHY is it important to track your money? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 5 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Why is it important for you to take control of your finances now? What’s at stake for you? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ When we don’t have a plan or we don’t have some sort some sort of goals, then we don’t have any _______________ to be making those ________________ and ____________________. It’s about finding a way that you can live the life you love ____________ and _________________________________________. WHAT was 35-‐year-‐old Suzie’s problem when it came to money? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Step 1: How much do you think you may be wasting, overspending, or losing by not tracking your money? Jot down that number. ________________________________________________________________ 6 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Step 2: Take that number and multiply it by 12. _________________ X 12 = Inaction Factor: ____________________ Step 3: Take that number and multiply it by 5 to get your Inaction Factor for five years. ___________________ X 5 = ___________________________ Are you surprised? Shocked? Confronted? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What could happen if you don’t get a handle on your money now? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 7 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Up to this point, what has been in your way of gaining control of you money? What has been stopping you? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ With support, are you willing to courageously move through it? ________________________________________________________________ ________________________________________________________________ I want you to move through your _____________________ to get to your __________________. Take a deep breath. 8 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 9 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 10 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 11 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 12 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 13 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 14 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 15 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Step 1: Estimate Your Income and Expenses • Circle the Estimate column • Estimate Each of the Line Items • Calculate the cash flow in less the cash flow out to determine your net positive or net negative Cash Flow • Be sure to fill in the Retirement Planning or Savings section to the extent that you know Do not skip the step of estimating. Step 2: Track Actual Income and Expenses for 1 Month • Use the last full calendar month that is available to you • Open all your bills and statements for the month • Look at pay stubs and bank statements to find your cash flow in • Be sure to include monies paid on you or your family’s behalf as income • Be sure to include cash receipts—CASH COUNTS What are the steps to tracking Cash? 16 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Step 1: Put any ATM withdrawals on the line within the _____________________________ section under “________________ _____________________________.” Step 2: Allocate that amount to the appropriate categories. Step 3: Analyze the Results (The Numbers Don’t Lie!) • Summarize your spending by category • If the net cash flow is negative, then you’re spending more than you earn. • If the net cash flow is positive, you still could be spending more than you need to. What if you’re not a “numbers person?” ________________________________________________________________ ________________________________________________________________ What if you have questions? ________________________________________________________________ ________________________________________________________________ What if you don’t think you have the time? 17 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ The three steps to tracking your money are: 1. _____________________________ 2. ________________________________________________ 3. ________________________________________________ How can you handle “unusual spending?” ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What’s coming up for you in completing this template? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 18 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Are you ready to take action to do it this week? What’s coming up for you when you think about completing this template? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Module 1 Action Assignments: 1. Complete the Estimate and the Actual columns of the Cash Flow Template using the excel version of the Cash Flow Template. 2. Write a list of ideas of the ideas with the dollar amounts for each that you believe are contributing to your Inaction Factor. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 19 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Once you complete these steps, you will be ready to proceed to Module 2: Live Within Your Means, Enjoy Your Life, and Build Your Cushion Savings. 20 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before MODULE 2: Live Within Your Means, Enjoy Your Life, and Build Your Cushion Savings 21 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before In Module 2, we will discuss: • The _____ options you have when your expenses exceed your income • Where your _____________________________ is hiding and how to make it yours • How to shift your ____________ from headaches to money-‐making opportunities • The _____ key areas to stop the money leaks and start keeping more of your money immediately • And more! At the end of this module, you will be able to: • Interpret what your ___________________________________ tells you • Indentify _______________ you can get started uncovering your extra cash • Be in ___________________ with your key ________________ ___________________ 22 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Has your reasonable goal you set for yourself in module 1 changed? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Why is it important to learn how to live within your means? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ How can you relate to David and Mari’s story? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 23 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Go to: www.BankRate.com How long do you guess it will take the average household to pay off their debt? ________________________________________________________________ ________________________________________________________________ The correct answer: It will take __________ months to be rid of the debt. In that time, it will cost ___________________ in interest over __________ years paying the minimum. Why is it important for you personally to live within your means and build your cushion savings? How will this help you enjoy your life more? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 24 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What are some of the “sooner goals” for you? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What will happen if you don’t adjust your spending now? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 25 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Take a deep breath. Take a moment to be grateful that you have the facts to move forward and act on them. Three Options: • Increase your ____________________ • Decrease your _______________________ • Address both Are you really doing all that you could be doing to earn and maximize your efforts in the workplace or in your own business? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 26 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What can you do to get to a 10? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Could you create some sort of a side business? What are the skills that you have and what’s some extra money that you could be earning by doing that? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Five Key Techniques for Living Better and Taming Your Spending: 1. Simplify or cut back Do you have more cable channels than you could ever watch? ________________________________________________________ Do you have more clothes than you ever truly wear? ________________________________________________________________ How often do you eat out when a less expensive option could be to eat at home? 27 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ The choice is yours as to whether or not you _____________ to __________________________. What can you learn from Belinda’s story about her trip to India and her visit with Mushie? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Top 5 Things that Americans spend money on: 1. __________________________________________________________ 2. ___________________________________________________________ 3. ___________________________________________________________ 4. ___________________________________________________________ 5. ___________________________________________________________ What can you do to save in these 5 areas? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 28 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 50+ Simple Ways to Live More and Spend Less From Belinda Rosenblum, Own Your Money LLC Review these creative ways to enjoy your life more while spending less money. Circle the ones that appeal to you and then get started by implementing one of them today. It’s not about what you give up. It’s about what you get when you own your money and enjoy being in control of it instead of feeling like it owns you! Food and Personal Care: 1. Get gift certificates for your local favorite restaurants at Restaurant.com. Get $10 for a $25 gift certificate on most restaurants listed. Wait for 80-90% off specials for even better pricing. 2. Use Peapod for grocery delivery—even though the cost may be more per item, there is no impulse buying in-store. 3. Pay attention to buy groceries on sale (and not purchase more than 3-months worth as will go on sale again) 4. Don’t buy food that you won’t eat in the next 3 weeks or that will go bad before you can eat it. The store will have more food when you go back. 5. Pack lunches instead of buying it everyday! 6. Walk or run in the park vs. a gym membership 7. Look on line for “cyberfares” for hair salons. For example, a free cut with color can save you $50 or more! 8. Buy wine by the case or buy “three-buck-chuck” from Trader Joe’s. 9. Create themed dinners by ethnicity/country (example: Italian or Thai) or a picnic—in your living room or backyard. 10. Make your own coffee in the morning. 11. Eat meals at home more and use the leftovers for lunch and/or a 2nd night’s dinner. 12. Enjoy sobriety when you go out—or stay in. 13. Eat less meat and/or go vegetarian for one day (or more) a week. Travel: 14. House swap for a vacation for a new-to-you location, or rent a house instead of costly hotel rooms for you and your family (for example at www.vrbo.com). 29 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 15. Use Tether vs. hotel internet 16. Use travel comparison websites, such as www.Kayak.com or www.SideStep.com, to shop around for the best airline, hotel and rental car prices. Then check www.bing.com’s travel section to see when is the right time to buy. 17. Use Hotwire.com to save money and add adventure to your trip. 18. Stay with friends or family when you travel, or ask to use a friend’s 2nd home for a weekend or a weekend day they are not using it. Transportation: 19. Walk or take public transportation instead of taking a taxi when in a city. 20. Do all your errands in one trip to save gas. 21. Carpool! Activities/Entertainment: 22. Meet at someone’s house vs. going out. Entertain at home. Throw a potluck with friends. Take turns. 23. Replace cable with other options, ex: Netflix, Redbox 24. Walk night, not drink night, with friends 25. Plan regular or periodic game nights with friends. 26. Get ideas of local creative events at About.com, Boston.com, or Frommer’s 27. Host home parties to get ‘host’ rewards for things like jewelry and home décor. 28. Take advantage of free workshops/seminars offered through associations, especially ones where you are already paying for them through member dues or your taxes (for example, chambers, business associations, state business development resources) 29. Discount ski lift tickets: Save up to 80% off lift tickets with Liftopia (www.Liftopia.com)! Buy advance ski deals online and save on skiing. 30. Go on night hikes 31. Have a game or craft night. 32. Go to the Library for books, movies, music and internet, and the Amazon/Kindle library for rental ebooks. 33. Explore free entertainment options. Home and Utilities/Insurance: 34. Vonage for your home phone 35. Relook at insurance deductible vs. values and consider raising your deductible. 36. Bundle your insurance policies. Using the same company for your home and car can result in a 10-20% combined discount. 37. Refinance your mortgage with the current lower interest rates. 38. Bundle cable and other services 30 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 39. Go to www.5linx.net/L426258 for discounted phone, cable, internet, and home security. 40. Clean, repair or paint your house with friends—make it a fun activity. A new coat of paint can create the feel of a whole new room without changing all the furniture. 41. Turn off the lights when you are not using them. 42. Do construction projects for yourself. Children and Family: 43. Browsing parenting websites for free events. 44. Create weekend activities and itineraries with family, with attention to free and local events 45. Check out www.Parents.com for family resources 46. Take kids to thrift stores. They find great clothing for a few bucks, and then you haven’t invested a fortune in clothes they will likely grow out of within the next year! Saving: 47. Have money taken out of your paycheck before you have a chance to see it— automate! 48. Make home-made gifts or goodies for birthdays, holidays, bridal/baby showers, etc. 49. Keep up with the latest money tips, insights, and strategies from Daily Worth (www.DailyWorth.com), Own Your Money LLC (www.OwnYourMoney.com/gift), and CheapskateMonthly.com (http://www.debtproofliving.com/). 50. Kindle app for the Blackberry (instead of purchasing a separate kindle or ipad to view digital books) 51. Get cash back (especially instead of general rewards) credit cards. Shopping/Fun and Creative Ways to Spend: 52. Clothing or purse swaps with friends for new-to-you pieces. 53. Reduce sundry shopping to “reward yourself” less frequently, for example the daily Starbuck’s latte 54. Sign up for discount emails at your favorite stores and restaurants. Consider a separate email account to hold all of these and then consult that email account when you want to go and buy something. 55. Sign-up for daily emails with discounted products and services, for example: Groupon (http://www.groupon.com/), Living Social (http://livingsocial.com/), Buywithme.com (http://www.buywithme.com/), The Customer Advantage (http://thecustomeradvantage.com). Key here is to not buy things that you would not be buying otherwise. The intention is to spend less—not more—with these on-line discounted sites. 31 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 56. Sign up for rewards programs and then be sure to use your miles for hotel, airfare, rental car, or gift cards. 57. Use your buying power, especially through your company, association, or AAA. 58. Using industry connections for complimentary services or discounts. 59. Use coupons (ex: from the Sunday paper), and especially before they expire. 60. Find and share coupon codes and promo codes for great discounts at thousands of online stores at www.RetailmeNot.com. 61. Find thousands of coupons, promo codes and discounts, plus get cash back savings with online rebates at www.Ebates.com. 62. Dollar Tree- Great for buying in bulk http://www.dollartree.com 63. Shop at Christmas Tree Shops or discount stores—with a list. 64. Ask for frequent client discounts for people you do business with frequently. For example, if you stay at the same hotel every time you travel, you can ask the hotel sales manager for a discount or at least an upgrade. And they often say yes! (In regards to hotels, if you are staying 3 or more nights, you can ask for a discount on the room rate, and will often get 10-20% off.) 65. Shop at discount stores or clothing consignment shops. Take “old” professional clothing to consignment shops when you no longer need them, and then get a credit for new-to-you items. 66. Shop your favorite designers (fashion, home, and travel) at a big discount at www.Ideeli.com. 67. Rue La La is an exclusive, invitation-only free online destination where Members discover premier-brand, private sale Boutiques, each open for just a brief window of time—http://www.RueLaLa.com. 68. Make the most of the holidays. Instead of buying everyone separate gifts, consider a Secret Santa and add more fun by buying around a theme (such as the receiver’s initials). 69. Buy items post-season to get them on sale. For example, buy winter boots at the end of the season so you have for next year, just be careful of sizes for children. They do grow up! 70. “Lean into” new hobbies with minimal dollar investments before you spend too much on accessories, gear or supplies. 32 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before How can you implement the IDEA system in your life? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 33 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What are 5 items that are inspiring you to move forward? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What are your financial goals? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ How do you want your money to be spent? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 34 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Write down these letters all in caps: ____ ____ ____ ____ ____ What do these letters stand for? ________________________________________________________________ What is the first step to viewing your bills or statements as money-‐making opportunities? ________________________________________________________________ Why should you spend time to review your bills? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Where are you spending your money without much of a return on your investment? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 35 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What expenses feel unnecessary or perhaps even wasteful to you? What expenses are inconsistent with your inspiration, priorities or goals? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Go through your closet and write down how much you paid for each of the items there. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 36 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 37 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before What are 3 items that you overspend on that you are going to address? How much is the impact of each? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What are some steps you can take to address the overspending? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 38 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Take a look at your cabinets. Do you have more food than you need? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What are the consequences of not reducing your spending for you? Your family? Your future? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Take a deep breath. 39 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Module 2 Action Assignments: 1. Complete all 3 columns of the Cash Flow Template (Estimate, Actual and Saving and Spending Plan) 2. Start moving on the top 3 areas where you can be keeping more of your money. 3. Review the 50+ Ways to Live More on Less and see if there is at least 1 item you can incorporate to help reduce your spending now. Bonus: Set a reasonable goal that keeps you inspired throughout the program. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Once you complete these steps, you will be ready to proceed to Module 3: Why a PLAN is So Much Better than a Budget. 40 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before MODULE 3: Why a PLAN is So Much Better than a BUDGET 41 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before In Module 3, we will discuss: • The _____ key questions to ask yourself before buying one more thing • Why _____________________________ can be both terrible and awesome • Why the _____________________ factor may be making you broke—and what to do about it • How and where to indulge and still __________________ __________________________________________________________. • When it’s good to use your _________________________ and when it’s not • And more! At the end of this module, you will be able to: • Powerfully update or create your ___________________________________________________________ • Indentify where to _______________ and where not to 42 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before • Be in ___________________ with your key ________________ ___________________ What financial wins have you had the past day or week? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Why is it important to call it a Spending and Saving Plan instead of a budget? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 43 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ If your spending is inconsistent with what is important to you, what expenses should be reduced or eliminated, and what new expenses may need to be factored into your new plan? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Where do you intentionally want your money to be going? ________________________________________________________________ ________________________________________________________________ 44 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Take the time to fill in the last column of your Cash Flow Template—the Spending and Saving Plan. What did you find when you completed the estimates, the actuals, and your saving and spending plan? Was anything startling? Surprising? Was it validating? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 45 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What areas did it highlight that you want or need to focus on? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Take a deep breath. Techniques for How to Increase Your Net Cash Flow: 1. ___________________________________________________________ What is money for you? What are you getting in return? ________________________________________________________________ 46 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Techniques for How to Increase Your Net Cash Flow: 2. ___________________________________________________________ Make a list of 20+-‐ items that you buy each week. Go to the store and write down how much each item costs. Compare prices at different stores to find the best price. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 47 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ How are your beliefs playing into your shopping behaviors? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 48 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ When you clean out your fridge, and in turn throw out food, write down the cost of everything you are throwing out and add it up. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 49 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Use this space to create your Shopping Lists: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 50 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 51 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What can you be doing to save money on your weekly and monthly shopping expenses? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What are your Recurring Expenses? MAJOR: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 52 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ MINOR: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ UNUSUAL: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 53 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Techniques for How to Increase Your Net Cash Flow: 3. ___________________________________________________________ Why are coupons sometimes dangerous? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Dr. April Benson says, “You can never get enough of what you____________________________________________________ . Techniques for How to Increase Your Net Cash Flow: 4. ___________________________________________________________ What are the 3 Questions to ask yourself before you buy something? 1. ___________________________________________________________ 2. ___________________________________________________________ 54 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 3. ___________________________________________________________ Can you think of times when you’ve practiced the “it’s only” factor in your life of shopping? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Where can you be buying quality over quanitity? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 55 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Techniques for How to Increase Your Net Cash Flow: 5. ___________________________________________________________ What do you want to be saving? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What is one area that you will start to focus your money-‐maximizing efforts on? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 56 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Module 3 Action Assignments: 1. Complete the Spending and Saving Plan column on your Cash Flow Template. 2. Finish your actions on the top 3 areas where you can be keeping more of your money. Move forward on what those areas are. 3. Make a list of the financial To-‐Do’s that you’d like to be doing each week and each month. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 57 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ Once you complete these steps, you will be ready to proceed to Module 4: Staying in Action All Year Long. 58 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before MODULE 4: Staying in Action All Year Long 59 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before In Module 4, we will discuss: • The number one mistake that blocks financial New Year’s resolutions from lasting beyond the first few ______________________ . • How to _________________________________________________ from this class for months and years to come. • The ________________________________ that I used to file my financial paperwork • How discover new financial habits so that _______________________________ has as little of an emotional change as brushing your teeth. • Why most people fail at _____________________________ . • What ______ steps you can put into place to ensure you succeed • And more! At the end of this module, you will be able to: • Implement a ___________________________________ to organize your finances 60 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before • Know what to do every _________, ____________, ____________ and ____________ to own your power over your finances • Be in ___________________ with your key ________________ ___________________ and new habits to put into place Has your reasonable goal you set for yourself in module 1 changed? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What financial wins have you had the past day or week? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Why is it important that you learn how to stay in action? ________________________________________________________________ 61 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 5 Steps to Work Through to be Truly Ready to Commit to Changing Your Financial Life: 1. Pre-contemplation. Thinking about doing something about it. 2. Contemplation. Thinking about what you could really do about it. 3. Preparation. “Okay, I'm ready, now what are the steps that I need to do?” This program for instance is very much in that preparation stage. 4. Action. What are the actual steps you're taking? That’s why I've started celebrating the actions because now you're ready to move on to that action stage. 5. Maintenance. The maintenance is critical to set yourself up for success with a financial routine as a long-‐term solution and not just a short-‐term fix. 62 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 5 Steps to Work Through to be Truly Ready to Commit to Changing Your Financial Life: 63 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 64 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Take a deep breath. 65 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Why don’t resolutions stick? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ How does Belinda’s story resonate with you? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 66 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 7 Techniques to Establishing a Routine and Discipline to Stay in Action All Year Long: Technique 1: Organization ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Day 1 – Gather and Sort Day 2 – Handle What You Need To Day 3 – Design a Filing System Day 4 – Organize, Organize, Organize! Day 5 – Peacefully Purge 67 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Technique 2: Money Dates ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ***Money Date Checklist*** What is one thing that you coud do on your money date? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 68 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Technique 3: Maximizing Technology ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 1. Auto-‐Bill Pay 2. Online Bill Pay 3. Online Tracking Sites 4. Software Financial Sites • HelloWallet.com, YouNeedABudget.com, Adaptu.com, TheBirdy.com 5. Balance Alerts 69 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Technique 4: Automate Your Savings ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Technique 5: Establishing a Plan for Using Your Debit and Credit Cards ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 70 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before 1. Knowledge is power. Understand the terms and conditions of your credit cards. 2. Live within your means. Understand your cash inflow and outflow. That’s important to credit cards. 3. Plan ahead. Decide how you want to use your credit cards in advance. Some people even take them out of their wallets so that they are very consciously using their cards when they want to and not just on the impulse buys. 4. Take control. Regularly review your credit card statements. 5. Rate your benefits. Get yourself the best card for your personal situation. Technique #6: Talking ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 71 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Technique 7: Consider Working with a Dream Team ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ What money beliefs do you have that could be holding you back? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 72 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Take a deep breath. What’s one area that you will implement to help you stay in action? ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 73 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Module 4 Action Assignments: 1. Make sure your Cash Flow Template is complete. 2. Make a list of what you’ve done over the course of this program to step up your owning your money. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ Once you complete these steps, you will be ready to proceed to Module 5: Special Q&A Session from those who have completed the program as well. 74 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before MODULE 5: Questions & Answers 75 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before Use this section to take notes and remark where you can relate to the questions that are asked. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 76 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 77 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 78 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 79 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com Making Money Easy: How to Manage, Keep and Save More this Year than Every Year Before ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ 80 © 2012 – Own Your Money, LLC. All Rights Reserved. www.OwnYourMoney.com
