Common Cents!
- 1. Saving, Making and Managing Money: What’s in it for You? Common Cents!
- 2. Learning sound financial strategies enables you to live the life you’ve always dreamed of! Learning sound financial strategies enables you to live the life you’ve always dreamed of!
- 3. Financial Stress Affects Every Area of Your Life
- 4. Carrying large amounts of debt, living from paycheck to paycheck, and wondering if you can get all the bills paid this month brings a large amount of unnecessary stress into your life.
- 5. This Stress Can Erode Your: • Health: Compromising your immune system and making you vulnerable to disease • Relationships: Straining your family life • Hope for a bright future
- 6. Imagine... Imagine how different your life would be if you could:
- 7. • Easily pay your bills each month • Handle sudden repair bills without anxiety • Use cash to pay for your next car • Plan vacations when you want • Successfully put money into a savings plan
- 8. All this and more can be yours... ...When you learn some simple financial management strategies.
- 9. Consider these areas of your financial life:
- 10. Creating an Effective Budget Rather than limiting you, a workable budget gives you freedom...
- 11. Creating an Effective Budget • Freedom to choose what you do with your money • Freedom to use cash instead of high-priced credit • Freedom to take advantage of opportunities when they arise
- 12. Reducing Expenses Without Affecting Your Lifestyle Money-saving techniques can help you keep more of your money for yourself, giving you more spendable income. The good news is that you can still spend money on what’s important to you while saving in other areas. Savings… just a mouse click away!
- 13. Saving Money on a Day to Day Basis • When you discover ways to save every single day, they can add up to significant savings. • You can see your savings grow right before your eyes! Tip: Out of sight, out of mind!
- 14. Short Term Savings • Short term savings can make it possible for you to pay for your next vacation with cash. You’ll enjoy it all the more when you know you don’t have to pay for it (plus interest) over the next year or more! • Don’t like to travel? How about having the cash for a new state-of-the-art TV with a matching surround sound system?
- 15. Long Term Savings • College and retirement funds grow rapidly with advance planning. • Learn strategies that will have you looking forward to enjoying an awesome, fun-filled retirement. Tip: The power of compound interest!
- 16. Using Your Credit Cards Wisely Responsible credit card use can bring you many advantages, including: •A high credit score •Available credit when you need it •Lowest cost mortgages and other loans Tip 1: Start With Debit Cards
- 17. Getting Out of Debt Yes, it is possible to get out of debt! All it really takes is determination and a workable plan.
- 18. Getting Out of Debt Find plans that snowball your efforts so you can get out of debt using no more monthly outlay than what you’re paying right now.
- 19. Ways to Bring in Extra Cash • Knowing how to bring in some extra money whenever you need it can be a lifesaver! After all, we all need some extra funds from time to time. • Seek techniques, both online and offline, that you can depend on to boost your income.
- 20. Checking Your Credit Reports Regularly • It’s to your advantage to keep track of what’s in your credit report and get any errors corrected. • Do it now, before you need a loan or a new car. • Otherwise, you may find your loans getting denied due to someone else’s bankruptcies and foreclosures on your credit report!
- 21. Raising Your Credit Score Become knowledgeable about these strategies and you’ll find that it opens the door to many opportunities, including: •Better deals on financing •Qualifying for higher-paying jobs •Superior cell phone plans •Income Continuance •And much more!
- 22. Protecting Your Identity • Your identity is inextricably tied to your financial success. • Search out techniques to make it easy for you to keep your identity safe from criminals and scammers.
- 23. In Closing… Following sound financial strategies brings you a peace and contentment that you may have been missing for a long time!
- 24. A Word to the Wise Be wise in the ways of saving, making, and managing your money. Not only will your wallet thank you, but your family will too!
- 25. Need Help or More Info? Let's talk . . . Mobile Nos: 0933 363 1841 0926 009 9497 Email: rmisoles@yahoo.com rey@leadersladder.org