1. Edition of August 6, 2013 11 Days of Furlough: a $ Planning Calendar “plan your use of available time and money” a presentation from Army Community Service (ACS) of USAG Rock Island Arsenal 6

2. “Uncle Jon” Cook Survivor Outreach Services – Financial Counselor Financial Readiness Program Personal Financial Management (PFM) Specialist Accredited Financial Counselor (AFC) from AFCPE Army Emergency Relief (AER) Notary Public Employment Readiness Program Military Spouse Employment Program (MSEP) (Former) Professional in Human Resources (PHR) & (Former) Certified Workforce Development Professional (CWDP) (309) 782 - 0815 1 – 877 – 882 – 0523 jon.c.cook.civ @ mail. mil www. riamwr. com / acs / financial-readiness

3. Bottom Line Up Front (BLUF) Prioritize expenses with each of your 4 reduced pay checks. Purposes To enable DoD Civilian Employees to: Plan their use of available time. Consider the personal financial management aspects of the furlough. Note how the dates, days and months are arranged. Scope and Limitations Assumes that DoD proceeds and continues with a 11 day furlough starting the week of July 8, 2013. Each organization and employee is impacted differently. 6

4. www. military saves. org Ready Army is the Army’s proactive campaign to increase the resilience of the Army community and enhance the readiness of the force … http://readyarmy.ria.army.mil

5. By the Numbers # 6 furlough days 6 week spread 4 pay periods and paychecks impacted 1 st paycheck -10% 2 nd & 3 rd paychecks -20% 4 th paycheck -10% 3 months impacted (July – September)

6. SunMonTueWedThurFriSat 123456 7 Furloughs Begin 8 WK #1 91011 Pay Day 0 1213 1415 WK #2 16171819 LES 1 20 2122 WK #3 232425 Pay Day 1 2627 2829 WK #4 3031 July 2013 July 25 - #1 First reduced pay check: 1 furlough day = -10% July 11 Last full paycheck; Last chance to save! The “Little 10%” Shock

7. SunMonTueWedThurFriSat WK #4 12 LES 2 3 45 WK #5 678 Pay Day 2 910 1112 WK #6 13141516 Last 17 1819 Back to Work! 202122 Pay Day 3 2324 25262728293031 August 2013 August 8 - #2 Second reduced pay check: 2 furlough days = -20% Pay days 2 & 3 = -20% The “Big 20%” Shock

8. SunMonTueWedThurFriSat 12345 Pay Day 4 67 891011121314 1516171819 Pay Day 5 2021 22232425262728 2930 End of FY 13 September 2013 SEP 5 - #4 Last reduced pay check Pay day #4 = - 10 % SEP 19 - #5 Full pay check

9. MS Excel Spreadsheets and Worksheets Money Allocation Plan ($ MAP) [budget] in Weekly Bands www.riamwr.com/acs/financial-readiness/ (309) 782 – 0815 jon.c.cook.civ @ mail. mil