it's not about money ebook

8/13/2019 It's Not About Money eBook

1/23


2/23

20102012 B M, 1

HAT IS MONE?

ITS ONL PAPERA , $100 (, ) . S

$100? I , $100 I $100 $100

, , $100 . A $100 $100 I

$100. C :

$100 . A ( ),

$100 $100 ,

, , , . A

$100 , .

MONE CAN BE JUST ABOUT ANTHINGM . T

. I . I ,

:

S, , $100 ,

$100 . H, . F ,

H K H ,

; , , . S,

.

SO HATS THE POINT?!I ( )

NOT .

M . H

. I

, . I ,

, . H,

, , . S, : T

, . T

, . O

, . T ,

. T,

.


3/23

20102012 B M, 2

PRIORITIES ITH MONE

NEEDS,ANTS AND ISHESO , . L

:

( )

, (

)

, , (

)

T , (,

, ), . F ,

. S ,

, . T ,

A

. L . , ,

. NEED . ANT . ISH

, , . N .

H, . L

. , NEED

, . ANT . ISH

, . H,

. , I . D

NEED ? O ! . B , I

, . I .

L . G , I $100

,

(), ()

, . I ,

. T A $100 , I

. I $100, I . T

. . F ,

:

1. E , .2. E ( ) ( )

/ , .

3. H , .

L .


4/23

20102012 B M, 3

EMERGENCIES:ITLL NEER HAPPEN TO MEO I

. T , ,

. A 100% ,

(

) . T

( , )

OFF LIMITS REAL

. D R, , E F.

. N ,

.

. F ,

,

.


5/23

20102012 B M, 4

MAKING OUR MONE BEHAE

HAT IS A BUDGET?B CANNOT . T ! B,

, C F P (I

), . I , NOT

; . C F P

;

. A D R,

( ) , . T,

. ( ) . I

. B

:

1. (, //)2. D 3. E ( )

L . A ? I ,

? I , ,

. B :

1. P 2. I , 3. B

I , I

. L .

MAKING A ORKABLE BUDGETA ( SIMPLE) . I

, . O ,

, . U,

. T

, , . A (

) :

1. H I 2. H I 3. (/, , , .)4. I

I , !

. T I

. L , HELP ; .

. A


6/23

20102012 B M, 5

( ,

),

; .

BEFORE OU START

M , . F, I

A ( ). T,

.

A . S,

. T

, . T /

, ( ,

). O ,

I S ( ), I B ( )

M B ( ). D

! O ,

.

O , C F P/B ( ).

. I

. O

, !

INCOME SOURCES ORKSHEET

T ! S

, .

( , .). U, . L . L ,

$1,000 ( ) 15

30

. I ,

$1,000 SALAR 1 AMOUNT , 15

30

HO OFTEN $2,000

MONTHL . A , $2,000 .

I , SHOULD (

, ). I ,

. I

.

O I S , . .


7/23

20102012 B M, 6

IRREGULAR BILLS ORKSHEET

T , I S , . T

I B . U,

, ,

( , , .).

T , ( ,

, .) AMOUNT . S, HO OFTEN

. T,

MONTHL . T

, . I, 1/12

.

O I B , . .

MONTHL

BILLS

ORKSHEET

. T M B

/, , , , . U ,

. H

. I , .

T , / BILL . F ,

ABC B, ABC B (). I

. I AMOUNT , . S

. J I S

, . O

, ,

. I DUE DATE ,

. D ; . O ,

. O . A,

.

O M B , I B

. D ,

, , . I

. DONT BE DISCOURAGED! R,

!

CASH FLO CALENDAR

O ,

. ; I : 1)

2) . L

C F C. T C F C, ,

(I ). S, I


8/23

20102012 B M, 7

S , ( ,

$1,000 15

30

, +1000 ). T,

I B M B ,

( , $75 20

, 75

). ,

. O (

), ! T :

1. I ,

. T BEFORE

, , /

.

2. I , ,

.

I , A. T

C B. H,

,

. S, /

, I C F C .

CATEGORIED BUDGET

T C B . L C F C,

BEFORE (

, ). T , C B,

. M I

1015 . C

B

C B . H, C B

C F C . T, I

.

I / , I C F

C.

I C B, . I

C B A.

, . S,

M B I B . A (

) . T,

. I , AMOUNT . T

REMAINING . T

( ). M


9/23

20102012 B M, 8

. I , C F

C

.

THE ENELOPE SSTEMN , I . I ,

. B, :

, , , IN CASH .

I , . I ,

. E

, !

, .

. M I

: , , , (

, , .). A ,

.

H DOES THIS BUDGET THING MATTER?I

. .

. I

, I :

, . I . T

, . F ,

,

NO.


10/23

20102012 B M, 9

BORROING MONE

AS TO BORROT ER I . H,

. M NEER ; I FREE. S I

, I . I

, BEFORE

.

T : . S

. ? I

. T , ,

( ). U

. T , . A

, . C ,

.

INTERESTI ( )

( ). % APR (

). F , $1,000 10% APR, 10% ( $100)

. A ,

. T 10% . S, $500 $1,000 ,

$50 (10% , $500). T

, .

M . T

. L . L $1,000 .

$1,000 , ,

( 1%). $1,000 ,

, ( 23%). $1,000 L ,

. L , , ER . B, ( )

. I . I , .

B , . O , , , . T

.


11/23

20102012 B M, 10

LIFE ITHOUT PAMENTSA I ,

. I FREE. I

AN . M . I ! I , I

. T , ( ),

NEER . M . T

.

T S . H

. I , I

:

1. , .

2. B J

.

3.

D . I .

L , . B

, ?

COMMON PITFALLS

ADERTISING

.

ALAS . ,

, ;

. S NEED .

M , , . D

. K . I

, 24

. I , !

GET RICH QUICK

M , T (

?), . T HUGE . T ! I

/ , . T , :

1. I , 2. I ,


12/23

20102012 B M, 11

CREDIT CARDS,TITLE LOANS AND OTHER EAS MONE

O . A

,

. I I

. C , ,

, . A . T B

B ,

P 22:7 SLAE . D

! I , , STOP. A

T S T M N D, ,

. I I , , .

. T . T

. I I I

.

COUNTING

CHICKENS

, . T ,

. I

( )

, , .

( )

. D . D ,

, . D

. T .

I ,

.

SPENDING IT ALL

A . A

. M

, , . I

, . T

. G , ,

, . I . S

. I

, :

, . I , . M

. M 101080 . T

, . T 101080 : 10% ,

10% , 80%.


13/23

20102012 B M, 12

SAING

BUT IDONT MAKE ENOUGH TO SAEI I . U

, . I , .

I . T NOT I

. I

, . E ,

. I ,

. A

N, .

NO ERSUS LATERT . T

. M I

. I . I

, . H,

, ? S , ,

. F

, :

: 30 $100 , $6,000 ($100 60 = $6,000) $7,800.

I , 65

, $6,000

( $7,800 35

) $140,000 10% !!! B ,

100 ,

$100 .

: 35 ($100 ), $7,800 40

. 65

, $6,000 ($7,800) $85,000. T

, $55,000 ($140,000 $85,000)?

SHORTTERM ERSUS LONGTERMT I : . T

. L .

SHORTTERM SAINGS

T ,

. T

. S

. I ,


14/23

20102012 B M, 13

. T . T

. O ,

. B ,

. ,

. T ,

, .

P . C :

50,000 $4,000 ,

$4,000

. B

. I ,

. T ,

. S, , .

,

. ,

.

. H

, .

LONGTERM SAINGS

L

. T

, . T

. L . I

30 $300 (

), 65, $300

$1,000,000! , $1 . O ,

( 10%, 100 ),

$100,000 $1,000,000 .

$1,000,000 $100,000 . D

?

PRIORITIES REISITEDD ? D ? D

ANT MUST ? T

. T

, , . I . I , ,

, . I

, ,

. E , ,

I . S I ?


15/23

APPENDI


16/23

Name:

Date:

Source Amount How Often MonthlySalary 1

Salary 2Salary 3BonusCommissionSelf-EmploymentDividend IncomeRoyalty IncomeRentsNotes

AlimonyChild SupportUnemploymentSocial SecurityPensionAnnuityDisability IncomeCash GiftsTrust Fund

OtherOtherOther

Total

Income Sources Workshee


17/23

Name:

Date:

Bill Amount How Often MonthlyReal Estate Taxes

Homeowner's Ins.

Home RepairsReplace Furniture

Medical Bills

Health InsuranceLife Insurance

Disability Ins.

Car Insurance

Car Repair/ReplaceCar Tags/Taxes

Clothing

TuitionBank Note

IRS (Self-Employed)

Vacation

Gifts (inc. Christmas)Other

OtherOtherOther

TOTAL

Irregular Bills Workshee


18/23

Name:

Date:

Bill Amount Due Date N

Irregulars Total from the Irregu

TOTAL

Monthly Bills Worksheet


19/23

Cash Flow CalendaSunday Monday Tuesday Wednesday Thursday

*


20/23

Cash Flow Calendar (EXASunday Monday Tuesday Wednesday Thursday

1 2 3 4 5

+900 paycheck

-120 charity

-400 rent

-80 entertainment

-35 gifts

-25 clothing/shoes

-30 g

-80 g

7 8 9 10 11 12

-30 g

-80 g

14 15 16 17 18 19

+900 paycheck

-120 charity

-50 home improvement

-100 electricity

-30 water/sewer/trash

-100 car maintenance*

-25 clothing/shoes -30 g

-80 g

21 22 23 24 25 26

-50 phone/internet -40 cell phone -30 g

-80 g

28

-100 savings

-25 car insurance*

*


21/23

Amount

Net Income 1,800.00$

Tithe 240.00$

Personal Savings 100.00$ Food 320.00$ Mortgage/Rent 400.00$ Auto Fuel 120.00$ Auto Insurance 25.00$ Water/Sewer/Trash 30.00$ Electricity 100.00$

Clothing & Shoes 50.00$ Home Improvement/Maintenance 50.00$ Entertainment 80.00$ Auto Maintenance & Replacement 100.00$ Miscellaneous 40.00$ Home Telephone 25.00$ Cellular Phone 40.00$ Internet 25.00$ Gifts 35.00$ Unallocated (blow or extra debt repaymentmoney) 20.00$

Categorized Budget (EXAMPL


22/23

SUGGESTED RESOURCES

RECOMMENDED EBSITES

.. B B, P F D R .. P .. N

.. F

.. B B, P F D RRECOMMENDED BOOKS

48 D L D M T T M M D R M M L B T M N D T S T S P D L


23/23

it's not about money ebook

Documents