2. MAKE MORE SAVE MORE LIVE MORE! A 16 W EEK S YSTEM TO M AKE M ORE, S AVE M ORE, L IVE M ORE AT M IDLIFE

3. MAKE MORE SAVE MORE LIVE MORE! MODULE 2 Staying Within Your Budget

4. MAKE MORE SAVE MORE LIVE MORE! The best budget is the one that works for you!

5. MAKE MORE SAVE MORE LIVE MORE! Making Your Budget Workable Don’t be afraid to adjust your budgeted amounts for your expenses as necessary. Seek ways to trim your variable expenses. If you have trouble keeping track of your expenses, simplify your life by using The Envelope Method.

6. MAKE MORE SAVE MORE LIVE MORE! The Envelope Method The Envelope Method is an easy 3-step process that makes keeping track of your expenses a cinch. Use cash for all expenses. If you need to pay a bill from your checking account, then deposit the cash to cover the charge. Here is the process, step by step:

7. MAKE MORE SAVE MORE LIVE MORE! Step 1: Divide and Conquer Cash Your Paycheck Envelope 1 Groceries Envelope 3 Rent Envelope 2 Fun Money Envelopes 4+ ? Make an envelope for each expense in your budget. Put in the cash to cover that expense.

8. MAKE MORE SAVE MORE LIVE MORE! Step 2: Use Cash for Your Expenses Envelope 1 Groceries ONLY Groceries Envelope 2 Fun Money ONLY Fun! Envelope 3 Rent ONLY Home

9. MAKE MORE SAVE MORE LIVE MORE! Step 3: Effortlessly Limit Daily Spending Make a daily “Spending Money” envelope. Use for: Lunch, parking, and more. When it’s gone… Stop spending! Tip: Spend it wisely!

10. MAKE MORE SAVE MORE LIVE MORE! The Envelope Method also gives you a better sense of your money!

11. MAKE MORE SAVE MORE LIVE MORE! Still Having Budget Challenges? You have 2 options: Make more money Reduce the amount that you spend

12. MAKE MORE SAVE MORE LIVE MORE! Reducing the Amount You Spend Reduce your cable plan Change to less expensive phone plan Find a home that costs less Tip: It’s easier to make cuts in your variable expenses.

13. MAKE MORE SAVE MORE LIVE MORE! Energy Savings Turn off lights when you leave the room. Switch to more energy efficient light bulbs. Unplug your electronic devices when they aren’t being used.

14. MAKE MORE SAVE MORE LIVE MORE! A trip to the grocery store is one of the best places to save money!

15. MAKE MORE SAVE MORE LIVE MORE! Sales Food Savings

16. MAKE MORE SAVE MORE LIVE MORE! If you buy a product on a regular basis, you might as well take advantage of the discounted price! Food Savings

17. MAKE MORE SAVE MORE LIVE MORE! Planning your weekly menu around what’s on sale at the grocery store that week Significant Savings Food Savings

18. MAKE MORE SAVE MORE LIVE MORE! Savings Card Programs Food Savings

19. MAKE MORE SAVE MORE LIVE MORE! Savings Card Programs give you a wider range of discounts to take advantage of! Food Savings

20. MAKE MORE SAVE MORE LIVE MORE! Some stores may have a blanket discount for members, such as 10% off the total bill. Watch for these promotions! Food Savings

21. MAKE MORE SAVE MORE LIVE MORE! Coupons Food Savings

22. MAKE MORE SAVE MORE LIVE MORE! Coupons are your most potent weapon against the grocery bill! With coupons, you can turn a $200 grocery bill into a tiny fraction of the cost! Food Savings

23. MAKE MORE SAVE MORE LIVE MORE! Stockpiling Food Savings

24. MAKE MORE SAVE MORE LIVE MORE! When used in moderation, buying in bulk can be a great way to save money! Food Savings

25. MAKE MORE SAVE MORE LIVE MORE! Tips for Buying in Bulk Don’t get carried away! Expiration dates still apply. Fewer trips to the grocery store save you time, money, and gas. Divide purchases among friends.

26. MAKE MORE SAVE MORE LIVE MORE! Self-Reflection Questions: How can I reduce the amount of energy I use? Do my favorite stores offer deals, discounts, or additional savings on top of coupons? Do I take advantage of the benefits of buying in bulk?

27. MAKE MORE SAVE MORE LIVE MORE! Action Tips: Reduce your energy use as much as possible. Sign up for Savings Card Programs. Find coupons for the items you buy all the time.

28. MAKE MORE SAVE MORE LIVE MORE! WWW.BETTERBEYONDDEBT.COM