1. Insert name, county, date How to Save a Dollar ….when you don’t have a dime to spare?

2. Why do you want to save money? $ To pay bills & make ends meet $ Save up for a large expense $ Save for emergencies $ Pay off debt $ Other reasons

3. Flag of Italy

5. Spending Income Do you think of saving as striking a balance? Or is saving money or cutting back a burden?

6. If you want to save money, make plans to spend it!

7. Ideas for Saving Money $ Claim Tax Credits

8. Ideas for Saving Money $ Have financial goals.

9. 1 Year3 Years5 Years Personal Financial Goals What – When – How much?

10. What’s the Price Tag for Each Goal? Goal Date Needed Amount Needed Amount to Save Monthly = Better Car = 3 years / 36 months = $3000 = $83

11. Ideas for Saving Money $ Get (kind of) organized

12. Ideas for Saving Money $ Look for the little leaks “ Small leaks can sink big ships.” -- Ben Franklin

13. Ideas for Saving Money $ Find fun things to do that don’t cost much money (shopping, TV)

14. Ideas for Saving Money $ Limit Bulk Purchases

15. Ideas for Saving Money $ Buy it cheaper $ Make it last longer $ Use it less

16. Ideas for Saving Money $ Look out for credit!

17. Save Money by Using Less Credit Current Credit Card Balance = $1,715.24 Minimum Payment Due = $18 Due Date = 21 days If you make no additional charges on this card and each month you pay… You will pay off the balance on this statement in about… And you will end up paying an estimated total of… Only the minimum payment 12 years$2,685 (969.76 in interest) $553 years$1,977 (Savings = $708)

18. Pay Day Loans Rent to Own Car Title Loans Pawn Shops 400-800% 40-700% Rapid Tax Refund Anticipation Loans Subprime Types of Credit

19. Ideas for Saving Money $ Look out for debit too!

20. Overdraft Protection? Option to opt-in to overdraft protection:  Debit card transactions  Withdrawals from an ATM Does not include:  Checks  Automatic transfers

21. …One more idea for Saving Money $ Track your spending.

22. How do you know how much money you’re saving if you don’t know how much you’re spending?

23. $ Notebook $ Receipts $ Checkbook or Bank Statement $ Calendar $ Envelope Method $ Computer (free programs on the web or from some banks) Ways to Track Spending:

24. Compare income and expenses once a month. Income Spending

25. If something happens and you can’t pay bills... Act now! Financial Counseling www.debtadvice.org