1. MY PLAN, PRACTICAL MY PLAN, WORK A I D  ANALYZE YOUR CURRENT MONEY POSITION  IDENTIFY YOUR MONEY TRAIL  DO ACTION TO IMPROVE YOUR MONEY POSITION EFFICIENTLY

2. Discover My Net Worth What you have Minus what you owe Equals what you are worth

3. Know & Evaluate Your Credit Score Experian Equifax TransUnion

4. Understand Debt Good Debt Bad Debt Too Much Debt

5. Evaluate Savings and Other Investments Short Term (3-6 Months Emergency Fund) Long Term (Mutual Funds, Stocks, Bonds, and other) Insurance (Life, Health, Disability, Accidental, Auto)

6. Create Reality Budget Income Expenses Use general categories and and the items that fit under each such as: general “Utilities” and under that Electric, Gas, Water etc

7. Budget Evaluation for those Under Water Make yourself accountable to someone who is self- controlled in the area of handling money Do all you can to tighten the belt of your spending, you don’t have to have the best or the newest thing going Pay off credit cards, smallest first using the money paid to the previous debt to add to the pay for the next debt (celebrate each victory) Negotiate with creditors such as credit cards and car pays to lesson payments Look for areas to cut back such as TV and Wireless Phone, ask about promotions that will give you savings You can learn much by reading and asking others about their practices

8. Make 12 Month Budget Project out your monthly budget for 12 months Project when credit cards will be paid off Make adjustments when unexpected expenses occur, if you planned to pay 100, pay 50 and move that money where needed Review budget constantly to make sure you are on track Begin with the estimated amount of bills charted for 12 monthsChange estimated amounts in monthly budget to actual amounts as bills come in, track overages and make adjustments accordingly

9. New Norms Honor the Lord with the Tithe and Freewill Offerings Put away savings each pay period, no matter how little with a goal of first building your emergency fund (3-6 months savings) Project out big cost items you want to buy and wait till you save the money to get them, no credit please Emergencies do arise, so reserve your credit card for those moments (New IPhone is not an emergency). As your emergency fund grows those kind of emergencies will not be credit card affairs, “Oh Happy Day!”