1. What Every Woman Should Know About Personal Finances: How to Build A Budget Presented by: Jenny Kerr Of The Jenny Pincher, LLC

2. Agenda: 1.Introduction 2.Building a Household Budget 3.Tips on Cutting Monthly Expenses 4.Conclusion 5.Q&A

3. Income Expenses Dates – Due & Pay Budget

4. Income Expenses Dates EmergenciesWants Little Things Credit CardsDebts What we think we need

5. Determine Income From All Sources Paycheck Assistance Odd jobs Determine Pay Frequency Weekly Bi-weekly 1 st & 15 th Monthly

6. Determine Expenses & Due Date Track Expenses for at least 1 week Rent Utilities Food Child Care “Misc” expenses we forget about *Ideal if expenses can be tracked for 1 month

7. Monthly Income Expense #1 (Due Date) Expense #2 (Due Date) Expense #3 (Due Date) Expense #4 (Due Date) Total (+/-)

9. Pay Date Bill Due

10. Pay Date: June 10 th Pay Date: June 24 th Amount: $500 Bill #1 Due June 11 th Bill #1 Due June 25 th Bill #2 Due June 15 th Bill #2 Due June 28 th Bill #3 Due June 23 rd Bill #2 Due July 5th Fixed Expenses Spending Cash (6/10-6/23)Spending Cash (6/24-6/9)GasEating OutHobbies Variable Expenses Subtract Total: Ideally your expenses should be less than your income!

11. Ways to “find” money in your budget Limit Eating Out Take Your Lunch to Work Cut back (or cut out) trips to the gas station Stop the “it’s only $x.xx” spending Go to the beauty school for haircuts Use Coupons or simply watch the sale ads Go on Budget Billing Have a yardsale Rent movies instead of going to the movies

12. Budget Bootcamp: A Common Cents Approach to Personal Finance & Money Management for Women Visit: http://onlinepersonalfinanceforwomen.com BONUS for NAWR Members: 2- Free 30 minute coaching sessions for anyone who purchases my Budget Bootcamp after this teleseminar. ($150 value) Just email me after your purchase to let me know you are interested in the coaching sessions and I will email you the prep form.

13. Resources The resources that can be found on http://thejennypincher.com/NAWR/ This PowerPoint presentation Budget worksheet – Helps narrow down “forgotten” budget categories Tips on Creating a Budget Tips for Cutting Monthly Expenses 20 Free Online Finance Courses – A list of 20 online college courses you can take for free on various economics, investing & personal finance Personal Finance Tutorials – Another free extensive list with tons of information on personal finance Bonus Materials

14. Contact Me: Jenny Kerr 636-578-7220 http://thejennypincher.com jenny@thejennypincher.com