1. Managing In Tough Times “Bits & Tips” Stretching Your Dollar In Tough Economic Times

2. Breaking Bad Habits Strategies to break bad spending habits: – Become aware of the choices you make while shopping. – Limit the number of trips you make to the store. – Have a plan when shopping and stick to it. – Identify alternatives first before buying something you want.

3. Spending Leaks Spending leaks are purchases that provide some type of immediate gratification but do not help you reach your financial goals. Identifying your short and long term financial goals can help plug your spending leaks.

4. Reaching Your Financial Goals Goals provide you with direction. Write your goals down on paper and post them in a location you see often. – Refrigerator – Laundry Room – Door leading to garage

5. Stretching Your Money Get organized! Track spending by writing down expenses. Identify total amount of money that comes into your household for each month. Develop a plan on how to spend money.