1. Bonuses/ Your Financial Readiness

2. 2 Terminal Learning Objective Action: Manage your Personal Finances and Understand Bonuses Conditions: Given a Leave and Earnings Statement (LES) and a sample bank statement Standards: Correctly describe how to: a. Determine how to budget your money b. Ensure there are sufficient funds available in account c. Describe how bonuses are paid out

3. 3 Live the 7 Army Values Loyalty Duty Respect Selfless Service Honor Integrity Personal Courage Meet your Financial Obligations

4. 4 Getting set up. Adding in your Guard pay, benefits, bonuses, perks. Getting help when you need it. Army One Source - http://www.myarmyonesource.com/default.a spx http://www.myarmyonesource.com/default.a spx Secure Your Financial Readiness

5. 5 Figure out where you are now How much money comes in every month? (All Pay + Tips + Assistance) How much money goes out every month? (How much you spend every month) Make a Budget Budgets help you organize your money. Getting Set Up

6. 6 The Guard helps you build financial readiness by: Increasing your income Decreasing your expenses Guard Pay, Benefits & Perks

7. 7 Overdrawn bank account Making minimum payments only Arguments about money Nothing in the savings account Juggling monthly bills Charging more than paying on credit cards Repeated debt consolidation Spending more than 20% income on credit payments Not sure how much money you have or where its going Constantly worrying about money 10 Warning Signs of Financial Trouble

8. 8 UNIT-BASED HELP Cadre Financial education on active duty posts Chain of Command Chaplain Pay Branch CIVILIAN HELP Bank/Credit Union Consumer Credit Counseling Organizations Online consumer credit counseling Getting Financial Help

9. 9 Bonuses Why Does the ARNG Give Bonuses? Bonuses are given as incentives How Are Bonuses Paid Out? Bonuses are paid out in installments Bonuses Can Boost Financial Readiness.

10. 10 Get the real story from your chain of command! Shut Down the Barracks Lawyers!

11. 11 Terminal Learning Objective Action: Manage your Personal Finances and Understand Bonuses Conditions: Given a Leave and Earnings Statement (LES) and a sample bank statement Standards: Correctly describe how to: a. Determine how to budget your money b. Ensure there are sufficient funds available in account c. Describe how bonuses are paid out