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The Curricula
With just under 100 pages the curricula is not overwhelming
at first sight and is a step-by-step guide that walks
participants through each of the modules described below:
-
Module 1 - Money Beliefs, What’s Yours? -
Module 2 - Where Will You Be in 5, 10 or 20 Years?
Creating SMART Financial Goals! -
Module 3 - Why a Spending Plan Works Better Than A
Budget -
Module 4 - Watch Out For The Sharks! Understanding
Credit.
The
Spending
Journal®
The
Spending
Journal® is a powerful tool that allows you to
do the following:
-
Track spending so you know
where the money is really going
-
Balance primary checking account
so you’re in control and NOT the banks, plus NO MORE
OVERDRAFTS!
-
Journal your spending & identify
spending ‘triggers’ that could help you answer ‘Why do I
overspend?!’
-
Collect receipts with the handy
envelope in the back of the journal
Pre-Printed Envelopes
Pre-printed envelopes make storing receipts easier with each
envelope printed according to month and expense category.
Calendar
A calendar with a marker will help participants to track
when their monthly bills are due and when these bills are
paid. This practice will help promote discipline to pay
bills timely and avoid future late fees and penalties that
would otherwise negatively impact your credit score. |
The CD
The CD has the following spreadsheets and forms to help make
expense tracking easier:- Spending Plan Worksheet
- Annual Income/Expense Worksheet
- Debt-to-Income Ratio Worksheet
- SMART Goals Worksheet
- Debt Elimination Pledge Sheet
- And More!
Two
Receipt File Containers
The Monthly Receipt File Container is uniquely designed to
collect and organize receipts on a monthly basis. The
container is separated into sections and is tabbed according
to spending categories. The Annual Receipt File
Container stores and organizes pre-printed enveloped
receipts for the entire year.
Calculator
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