1. Personal Finance

2. Make Payments to Debtors Leadership Traits Leadership Principles Semper Fidelis

3. Maintaining and Balancing a Checking Account Checks How to write a check How to reconcile your checking account

4. Budgeting

5. Program Your Income

6. Program Your Expenditures Fixed expenses Variable expenses

7. Method of Budgeting Envelope method Checking account method

8. Problems Resulting From a Lack of Financial Awareness Loss of morale Job performance declines Unable to repay peer loans Late to work Always out of money Writes bad checks No reserve funds Victim of E-Z credit Drugs and alcohol

9. Root Causes of Financial Problems and Debts

10. Mismanagement of Money How do I know this Marine’s problem is mismanagement of his money?

11. Breaking the Ice and Gaining Confidence Explain that a budget is plan for spending Show him/her how to make a simple budget Ask how he/she pays their bills

12. The Difference Between a Need and a Want

13. Contentment

14. Questions ?