Budgeting. Budgeting Quiz
|
|
- Louisa Daniels
- 7 years ago
- Views:
Transcription
1 Groups/Tier 3/Handout 1 Budgeting Quiz At the grocery store, you can save money by buying: - Pre-seasoned meat - Pre-cubed meat - Plain cuts of meat Will having a loyalty card get you in debt? Yes / No Which of the following is NOT a smart way to stay on budget? - Delay paying off credit card debt - Make a grocery list - Use cash Pay as You Go mobiles are cheaper than Contracts True / False What is a discretionary expense? - An expense that you may or may not need depending on your situation - An expense you want but don't need - An expense you need but don't want De-icing your freezer reduces electricity bill? Yes / No In case you lose your job tomorrow, about how much should you have saved in your emergency fund? - Enough to live comfortably for 2-3 days? - Enough to live comfortably for 2-3 weeks? - Enough to live comfortably for 2-3 months? It s easier to budget if I pay my utility as and when, rather than bothering with a Direct Debit Yes / No
2 Weekly spending diary Groups/Tier 3/Handout 2 Outgoings Monday Tuesday Wednesday Thursday Friday Saturday Sunday Total
3 Groups/Tier 3/Handout 3 How do I convert between weeks, months and years? Converting weeks into months? Times by 52 Divide by 12 Converting month into years? Times by 12 Converting years into months? Divide by 12 Converting months into weeks? Times by 12 Divide by 52 Converting years into weeks? Divide by 52 Converting weeks into years? Times by 52
4 Groups/Tier 3/Handout 4 Budgeting for a family of four You get paid 1250 per month after tax and national insurance, and including all benefits. How are you going to spend it?! Before you rush to the shops, let s look at what bills you already know about - Rent per month Mobile Phone Bill - 5 per week Gym Membership - 25 per month Water bill 400 per year Gas bill 780 per year Electric bill 440 per year Council Tax 1250 per year TV License 145 per year Internet, phone and TV per year 500 per month And now let s look at what other things you may buy Food per week Cinema Going out with friends per week Video Games per year Make-up and hair-dressing per week Buses and trains per week Clothes per week So the COMBINED TOTAL you spend is per month So do you have any money left over? Or did you need to borrow some? What changes can you make to make sure you don t need to borrow any money? Use a red pen, and see what numbers you want to adjust: what can you do without?
5 Groups/Tier 3/Handout 5 Budgeting when living alone You get paid 700 per month after tax and national insurance, including all your benefits. How are you going to spend it?! Before you rush to the shops, let s look at what bills you already know about - Rent per month Mobile Phone Bill - 5 per week Gym Membership - 25 per month Water bill 400 per year Gas bill 780 per year Electric bill 440 per year Council Tax 1250 per year TV License 145 per year Internet, phone and TV per year 300 per month And now let s look at what other things you may buy Food per week Cinema Going out with friends per week Video Games per year Make-up and hair-dressing per week Buses and trains per week Clothes per week So the COMBINED TOTAL you spend is per month So do you have any money left over? Or did you need to borrow some? What changes can you make to make sure you don t need to borrow any money? Use a red pen, and see what numbers you want to adjust: what can you do without?
6 Groups/Tier 3/Handout 6 Budgeting for a single parent with a small child You get paid 840 per month after tax and national insurance, including all benefits. How are you going to spend it?! Before you rush to the shops, let s look at what bills you already know about - Rent per month Mobile Phone Bill - 5 per week Gym Membership - 25 per month Water bill 400 per year Gas bill 780 per year Electric bill 440 per year Council Tax 1250 per year TV License 145 per year Internet, phone and TV per year 400 per month And now let s look at what other things you may buy Food per week Cinema Going out with friends per week Video Games per year Make-up and hair-dressing per week Buses and trains per week Clothes per week So the COMBINED TOTAL you spend is per month So do you have any money left over? Or did you need to borrow some? What changes can you make to make sure you don t need to borrow any money? Use a red pen, and see what numbers you want to adjust: what can you do without?
7 Groups/Tier 3/Handout 7 Budgeting for a retired person You get paid 625 per month in pension and benefits. How are you going to spend it?! Before you rush to the shops, let s look at what bills you already know about - Mobile Phone Bill - 5 per week Water bill 400 per year Gas bill 780 per year Electric bill 440 per year Council Tax 1250 per year TV License 145 per year Internet, phone and TV per year And now let s look at what other things you may buy Food per week Going out with friends per week Make-up and hair-dressing per week Buses and trains per week Clothes per week So the COMBINED TOTAL you spend is per month So do you have any money left over? Or did you need to borrow some? What changes can you make to make sure you don t need to borrow any money? Use a red pen, and see what numbers you want to adjust: what can you do without?
8 Groups/Tier 3/Handout 8 What should I do? I get paid 980 per month (after tax and national insurance), and including all my benefits. This is how I spend it. Rent per month Mobile Phone Bill - 5 per week Gym Membership - 25 per month Water bill 400 per year Gas bill 780 per year Electric bill 440 per year Council Tax 1250 per year TV License 145 per year Internet, phone and TV per year 450 per month 20 per month 25 per month And now let s look at what other things I buy Food 60 per week per month Cinema 12 per month per month Going out with friends 40 per week per month Video Games 120 per year per month Make-up and hair-dressing 10 per week per month Buses and trains 15 per week per month Clothes 20 per week per month per month So the COMBINED TOTAL I spend is per month What changes should I make to make sure I don t need to borrow any money? Use a red pen, and see what numbers you can adjust: what should I do without?
9 Groups/Tier 3/Handout 9 For the next 7 days I will - Pick any FOUR of the following as your NEW One Week Resolutions Take out a loyalty card Pay cash and ask for a discount Use Charity shops/second hand shops/car boot sales Buy services (like travel passes) in advance Set up a Universal credit profile online Find out what sort of bank account I have Check online how universal credit will change my benefits Find out exactly how much my utility bills are Compare energy suppliers Visit one of the websites recommended in the handouts Open all unopened letters Tidy up my old bills and papers Keep a spending diary for a week Try one of the online budget planners Try filling in a blank budget for myself Try to identify ways to reduce my personal bills in the future. Where can I go next? Go to Adviceguide.org.uk, and try the budgeting tool! Try the Money Saving Expert Demotivator Try the Money Advice Service s Budget Planner Try the Turn2Us Benefits Calculator Go to adviceguide.org.uk How to work out your budget
10 Groups/Tier 3/Handout 10 Feedback How you felt at the start We d really like to know if you felt this session helped you. For each question, mark ONE box to show where you were at the START of the session. You understand the need for a monthly budget. You see the usefulness of a spending diary. You can apply budgeting skills to your life on a monthly time-scale. You are more confident making a basic budget. You know how to reduce your outgoings and increase your income.
11 Groups/Tier 3/Handout 11 Feedback How you feel at the end We d really like to know if you felt this session helped you. For each question, mark ONE box to show where you were at the END of the session. You understand the need for a monthly budget. You see the usefulness of a spending diary. You can apply budgeting skills to your life on a monthly time-scale. You are more confident making a basic budget. You know how to reduce your outgoings and increase your income.
Which are essential or non-essential?
Groups/Tier 2/Handout 1 Which are essential or non-essential? Step 1 - Next to the words below, please mark E if you feel that the word is an essential priority, and N if you feel it s not essential to
More informationMATCHDAY 1 7-9 September 2014
MATCHDAY 1 7-9 September 2014 7 September Sunday 18:00 Group D 7 September Sunday 20:45 Group D 7 September Sunday 20:45 Group D 7 September Sunday 18:00 Group F 7 September Sunday 20:45 Group F 7 September
More informationTake control of your money
Take control of your money A resource to help you learn about budgeting. Information given is of a general nature only and does not constitute personalised financial advice. While BNZ has made every effort
More informationAcademic Calendar for Faculty
Summer 2013 Term June 3, 2013 (Monday) June 3-4, 2013 (Monday Tuesday) June 5, 2013 (Wednesday) June 5-6, 2013 (Wednesday Thursday) June 6, 2013 (Thursday) July 3, 2013 (Wednesday) July 4, 2013 (Thursday)
More informationSection 3 ACCRUED EXPENSES (ACCRUED LIABILITIES)
Section 3 ACCRUED EXPENSES (ACCRUED LIABILITIES) Introduction Accrued expenses are expenses that have been incurred, but not yet paid for. To put it another way, an accrued expense is paid after being
More informationb) A comprehension exercise the dialogue and worksheet can be used for individual study.
Money Matters Budgeting and Financial Planning Title: Budgeting and Financial Planning Context: GCSE Home Economics Revised Specification Learning outcomes: Students will be able to: Discuss the effects
More informationDealing with debt Top Tips
Dealing with debt Top Tips Don t ignore the problem it won t go away. The longer you leave it, the worse it will get. Get advice from the Student Advice Centre, Citizens Advice Bureau or other independent
More informationInternational University of Monaco 27/04/2012 14:55 - Page 1. Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05 Friday 04/05 Saturday 05/05
International University of Monaco 27/04/12 14:55 - Page 1 Master in International Business and Global Affairs - from 30 avril to 05 mai 12 Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05 Friday
More informationInternational University of Monaco 21/05/2012 16:01 - Page 1. Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05 Friday 04/05 Saturday 05/05
International University of Monaco 21/05/12 16:01 - Page 1 Master in International Sport Business and Management - from 30 avril to 05 mai 12 Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05 Friday
More informationUNCONTESTED DIVORCE INTAKE PACKET How it Works
UNCONTESTED DIVORCE INTAKE PACKET How it Works 1. Download intake packet (if you would like the intake packet in Word or Pages format, instead of PDF, please let me know.) 2. Complete intake packet. Skip
More informationBORROWING. A guide to borrowing. Overdrafts, credit cards, loans
BORROWING A guide to borrowing Overdrafts, credit cards, loans Three ways to borrow that can work for you All of us need a little extra help at times. So if you want to borrow money for a new car or kitchen
More informationYour helpful life insurance guide: Raising a family
Your helpful life insurance guide: Raising a family Being a parent is one of life s greatest joys. As your family grows, it s essential to have enough life insurance protection in place to help ensure
More informationYOUR PERSONAL FINANCIAL PLAN AND FACT FIND
Document name: YOUR PERSONAL FINANCIAL PLAN AND FACT FIND Document date: 2014 Copyright information: Content is made available under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 Licence
More informationCambridge ESOL Entry 1 Certificate in ESOL Skills for Life
Centre Number Candidate Number Candidate Name UNIVERSITY OF CAMBRIDGE ESOL EXAMINATIONS English for Speakers of Other Languages Cambridge ESOL Entry 1 Certificate in ESOL Skills for Life [Reading] 0781
More informationTrading Calendar - East Capital UCITS Funds
Trading Calendar - UCITS s The table shows i) the days the funds will be closed due to holidays and ii) which days the funds have early cut-off times (11.30am Central European Time). Please note that the
More informationFor more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/
For more help on saving and paying off debt, please visit www.norwaysavingsbank.com/resources_center/calculators/ Practical Savings Tips for Every Day Saving Try take-out once a month instead of dining
More informationBudget Busters: Who s Breaking the Bank?
Time Required: 15 minutes Budget Busters: Where does all your money go? No matter how much money you earn, a careful budget lets you know exactly what happens to your cash. Below are three different cash
More informationYour helpful life insurance guide: Buying a home
Your helpful life insurance guide: Buying a home 1 When it comes to buying a home, you may not realize that having life insurance is an important part of the process. Amica Life is here to help answer
More informationBanking & Budgeting Basics: Making the most of your money
Growing Dollars and $ense Workshops Banking & Budgeting Basics: Making the most of your money Presented by The Coalition for Debtor Education www.debtoreducati0n.org This program is made possible by a
More informationMake your budget work for you
Welfare Reform Make your budget work for you www.milton-keynes.gov.uk/welfare-reform Make your budget work for you Why budget It s always a good idea to keep track of your money. Budgeting is keeping track
More informationInternational University of Monaco 11/06/2012 09:27 - Page 1. Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05 Friday 04/05 Saturday 05/05
International University of Monaco 11/06/2012 09:27 - Page 1 Master in Finance - Hedge Funds and Private Equity - from 30 avril to 05 mai 2012 Monday 30/04 Tuesday 01/05 Wednesday 02/05 Thursday 03/05
More informationContents. Why budget? Do I need to budget? Why budget? 3. Do I need a budget? 3. Some budgeting ideas 4. Talking with a budgeting advisor 5
Managing your money Contents Why budget? Why budget? 3 Do I need a budget? 3 Some budgeting ideas 4 Talking with a budgeting advisor 5 Extra help with costs 6 Budget worksheet to help you get started 7
More informationCONSUMER EDUCATION WORKBOOK
CONSUMER EDUCATION WORKBOOK BUDGETING CONSUMER CREDIT )+7 608-X8 (DCA) REPLACES PREVIOUS EDITION FORM MAY 96 INCOME NET PAY ADJUSTMENT Military Pay (Take-home pay including BAQ & BAS) $ $ Spouse's Income
More informationPremarital Financial Information. Red to Black
Premarital Financial Information Red to Black Table of Contents Premarital Counseling........3 Topics to Discuss....4 General Financial Tips....5 Marriage Checklist....6 Family Background....7 Values....8
More informationInterest Only Mortgages Toolkit. Introduction
Interest Only Mortgages Toolkit Introduction The Money Advice Service gives free impartial advice and provides tools, calculators, videos and other resources across a wide range of money topics and life
More informationBEAN BUDGET: A budgeting exercise
BEAN BUDGET: A budgeting exercise Objective: Help students think about how to make budgeting choices and how to determine spending priorities. Time: 0 minutes Materials: Bean Budget Handout (2-page) Cut
More informationHow to Budget. Better ways to manage your money.
How to Budget Better ways to manage your money. How to Budget Better ways to manage your money. Budgeting is a way of understanding your own money situation, knowing what money you have coming in and what
More informationIn debt Feel bad Deal with problem I'm in control Feel better
Budgeting Worrying about money, or lack of it, can be very stressful. Having to get by with not much money coming in, or having a regular but just not being able to keep up with the outgoings. Getting
More information3Budgeting: Keeping Track of Your Money
This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 3Budgeting: Keeping Track of Your Money Chapter 3 Budgeting: Keeping Track of Your Money
More informationThis Report has been prepared for: John & June
Trader Makes $4 Billion Wiz Kid Stock & Option Trader Makes $4 Billion Trading Stock Options! Budget Reporting Software Discover Why BudgetPak Provides thebest Financial Reporting & Analysis Input Forms
More informationFacts about credit card interest
Facts about credit card interest Applicable to: NAB Credit Card Terms and Conditions NAB American Express Terms and Conditions Velocity NAB Credit Card Terms and Conditions NAB Qantas Credit Card Terms
More informationDEBT DEBT. Dealing with. Self-help guide... abc IN TRAN. www.broadland.gov.uk. communication for all
Self-help guide... DEBT Dealing with DEBT abc www.broadland.gov.uk IN TRAN communication for all Where to get ADVICE on debt problems If you feel that you have money problems that are too difficult to
More informationHow Do You Manage Your Time?
How Do You Manage Your Time? Time Management Time management refers to how you regulate your time. In high school, students spend approximately 35 hours per week in class. However, the average college
More informationDon't ignore the problem. Debt won't go away and the longer you leave it the worse it gets.
DEBT ADVICE DEALING WITH YOUR DEBT Don't ignore the problem. Debt won't go away and the longer you leave it the worse it gets. Don't borrow money to pay off your debts. Think carefully, get advice first.
More informationFACT SHEET. Money matters. Paying bills
12 FACT SHEET Money matters This fact sheet provides advice and information about how best to manage your money to make it easier to manage your household expenses. It also provides details of agencies
More informationPART 1. Self Help Debt Pack
PART 1 Self Help Debt Pack CONTENTS Introduction Page 3 How to contact GAIN Page 4 How to use the GAIN Self Help Pack Page 5 STEP 1 List Your Debts Page 7 STEP 2 Your Personal Budget Page 15 STEP 3 Your
More informationBudgeting Made Easy Simple Step-by-Step Instructions to Help You Build an Accurate Household Budget
Budgeting Made Easy Simple Step-by-Step Instructions to Help You Build an Accurate Household Budget Why Budget? Staying in control of your finances is tough, but it s even harder when you try to keep everything
More informationwww.clockwise-cu.co.uk
Loan application 1 St Nicholas Place, Leicester, LE1 5LB Telephone 0116 24 23 900 32 Leicester Street, Melton Mowbray, LE13 0PP Telephone 01664 501 762 Email enquiries@clockwise-cu.co.uk or visit www.clockwise-cu.co.uk
More informationpersonal budget kit helping meet your fi nancial needs at every stage of life
personal budget kit helping meet your fi nancial needs at every stage of life At First Midwest Bank, we re committed to helping our clients build a smart fi nancial future. Our Personal Budget Kit is a
More informationHow to prepare a budget and stick to it
How to prepare a budget and stick to it Agenda Having control over your money is important, both for your financial well-being and for your peace of mind. In this presentation, you'll learn about preparing
More informationMaking a budget: lesson plan
Making a budget Topic: ESOL, numeracy Level: SfL Entry 3 / SQA National 4/ CEFR B1 Time: 90 minutes Objectives Learners will be able to complete a simple personal budget Learners will practice adding,
More informationStudent Activities. Lesson Three. Credit Cards 07/13
Student Activities $ Lesson Three Credit Cards 07/13 shopping for credit Credit card costs and features can vary greatly. This exercise will give you a chance to shop for and compare the costs and features
More informationBUDGET PLANNER. Instructions to Complete Budget Planner
BUDGET PLANNER NAME: DATE: Annual income twenty pounds, annual expenditure nineteen nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.
More informationHow to Decrease Your Personal Budget
$ BUDGET Table of Contents Table of Contents... 1 Money Smart... 2 Money Matters... 3 Why Budget?... 4 Daily Spending Diary... 5 Income and Expenses Worksheet... 6 Tips to Decrease Spending... 7 Increasing
More informationResources for Personal, Social and Health Education Activities on energy bills and energy use
Resources for Personal, Social and Health Education Activities on energy bills and energy use Contents Energy bills quiz Energy bills quiz answers Energy bill exercise Energy bill exercise answers Energy
More informationShop, switch and save
Shop, switch and save A no-nonsense guide to switching your home loan, bank account, savings account or credit card. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 AR is an Authorised Representative
More informationInternational University of Monaco 12/04/2012 12:50 - Page 1. Monday 30/01 Tuesday 31/01 Wednesday 01/02 Thursday 02/02 Friday 03/02 Saturday 04/02
International University of Monaco 12/04/2012 12:50 - Page 1 Master in Finance - Private Banking and International - from 30/01/12 to 04/02/12 Monday 30/01 Tuesday 31/01 Wednesday 01/02 Thursday 02/02
More informationLEAVING HOME & ARRIVING IN THE UK DON T LEAVE HOME WITHOUT:
CHECKLISTS: THE ESSENTIALS LEAVING HOME & ARRIVING IN THE UK DON T LEAVE HOME WITHOUT: Your passport or national identity card & your travel tickets Your medical certificate Your SAWS work card (if you
More informationTHE ABC S OF VEHICLE FINANCING CURRICULUM. Counting Your Money
Counting Your Money Section Objectives Counting your money and managing your money wisely is the most important part of your trip on the road to personal financial success. It is a critical step in achieving
More informationCharting Your Course to Home Ownership
Charting Your Course to Home Ownership Managing Your Family Finances: Chart Your Cash Flow After you have set your goals and organized your home office, you are ready to use the records you ve gathered
More informationYour helpful life insurance guide: Shopping for life insurance
Your helpful life insurance guide: Shopping for life insurance When it comes to shopping for life insurance, you may need help making an informed decision. At Amica Life, we believe helpfulness is what
More informationBromsgrove District Council Discretionary Housing Payments
Name: Address Benefit Reference no: Post Code: Depending on certain conditions, we can make extra payments if you are not currently receiving full Housing Benefit or Council Tax Benefit and we feel you
More informationBorrowing & Saving: Week 1
The Minnesota Literacy Council created this curriculum with funding from the MN Department of Education. We invite you to adapt it for your own classrooms. Intermediate Level (CASAS reading scores of 201-220)
More informationA goal is an aspiration, ambition or aim. It is something that you would like to do or have or be in the future.
Goals and Budget Lesson 1 Goals A goal is an aspiration, ambition or aim. It is something that you would like to do or have or be in the future. Here are some examples: A 6 th grader wants to get an A
More informationBENEFIT, MONEY & DEBT. Advice Services in Dundee
BENEFIT, MONEY & DEBT Advice Services in Dundee i Contents Brooksbank Centre Citizens Advice Bureau Dundee North Law Centre Dundee Carers Centre Discovery Credit Union Dundee Energy Efficiency Advice Project
More informationSection 4 - Self-Directed Behavior Now that we have taken a look back at the roots of behaviorism and how it all started, let s take a look at how we
Section 4 - Self-Directed Behavior Now that we have taken a look back at the roots of behaviorism and how it all started, let s take a look at how we can use behavior modification to develop desirable
More informationpainting by numbers a personal budget planner and guidance notes
painting by numbers a personal budget planner and guidance notes Stewardship 1 Lamb s Passage, London EC1Y 8AB t 020 8502 8585 e education@stewardship.org.uk w www.stewardship.org.uk/money introduction
More informationHow your gas prepayment meter works
How your gas prepayment meter works Contents Top Ten Tips 3 Gas prepayment meter 3 Buying credit 4 Details we need from your receipt 5 Lost or damaged your card? 5 What will you pay? 6 Collecting debt
More informationPlease Note. In today s session, your CalSTRS benefits specialist will guide you through the basics of financial literacy and retirement planning.
Please Note In today s session, your CalSTRS benefits specialist will guide you through the basics of financial literacy and retirement planning. All specialists have CalSTRS benefits knowledge and are
More informationManaging your money. Budgeting, saving and spending
Managing your money Budgeting, saving and spending About MoneySmart MoneySmart is a free website from the Australian Securities and Investments Commission (ASIC) that helps you make the most of your money.
More informationImportant changes that benefit businesses who pay in cheques When you pay in a cheque these changes now help provide clarity on:
Important changes that benefit businesses who pay in cheques When you pay in a cheque these changes now help provide clarity on: 1) When your current or business account will start to earn interest on
More informationDimes to Riches Money Management for Teens in Grades 7-12
Dimes to Riches Money Management for Teens in Grades 7-12 s e e r t n o row g t n s e o yd e n o M t a! h k t n a w b o n a k t u n By now yo Your parents are & Life is getting busy and you need cash for
More informationBPA434: ADVANCED TOPICS IN CORPORATE FINANCE COURSE OUTLINE
BPA434: ADVANCED TOPICS IN CORPORATE FINANCE Lynda Livingston Fall, 2012 office: McIntyre 111-J e-mail: llivingston@ups.edu office phone: (253) 879-3471 fax: (253) 878-3156 office hours: MF 12:00-1:00
More informationCurrent Accounts User Guide. Information to help you make the most of your current account.
Current Accounts User Guide Information to help you make the most of your current account. Current Accounts User Guide Contents What to expect 04 If you ve just opened an account 04 If you ve just opened
More informationMoney Advice Pack PB 1
Money Advice Pack 1 Introduction Many people suffer difficulties with money at some time in their lives. Money problems can be caused by a variety of reasons, such as losing your job, illness, decreased
More informationIncome, Expenses and Budget module
Income, Expenses and Budget module Trainer s introduction The skills to control your personal income, expenses and budget are the most basic tools that people need in their financial toolkit. But many
More informationUsing Energy and Meter Reading
Using Energy and Meter Reading Using Energy Lesson Overview Using Energy This lesson helps Girl Scouts understand how we use energy every day in our lives and how to read an electric meter. Someone from
More informationTALKING POINTS COLLEGE STUDENTS PRESENTED BY JEAN CHATZKY AND PASS FROM AMERICAN EXPRESS SM
INTRODUCTION Give your kids a heads-up that tonight you re going to make some time to talk about money. It won t take all night, but they should clear their schedule. If your kid is away at college, and
More informationConfident living. Managing your money. Confident living series: Managing your money
Confident living Managing your money Confident living series: Managing your money Managing your money Five top tips 1 Ask a shop what special offers they have. 2 Speak up for your rights, services should
More informationApplication for a discretionary housing payment
Application for a discretionary housing payment Discretionary housing payments are not payments of Housing Benefit, but only people who receive Housing Benefit or help with housing costs under Universal
More informationYour Money, Your Choice
Your Money, Your Choice With rising living costs many people are looking for help when it comes to making the most of their money. Find out what help is available for you. www.rotherham.gov.uk Together
More information1Planning Your Financial Future: It Begins Here
This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 1Planning Your Financial Future: It Begins Here Terms Financial plan Financial goals Needs
More informationMinnesota Marriage Background Check - Birthdate Phone Number
RYAN & GRINDE, LTD. A T T O R N E Y S A T L A W James P. Ryan, Jr. 407 14 th Street NW (507) 282-8118 Paul H. Grinde Post Office Box 6667 (507) 282-2275 FAX Kristine L. Dicke Rochester, Minnesota 55903-6667
More informationMake a Smart Start Toward Financial Success SUNY ORANGE STUDENTS
Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS A College Education is a Smart Investment High School Graduate $25,000 Some College $30,000 Associate s Degree $32,000 Bachelor s Degree
More informationThere are four main areas to look at when you are trying to manage your money more effectively.
Dear Self Help Budgeting Pack Thank you for your interest in our Money Management Advice Service. This pack has been designed to help you manage your money better and re-prioritise your essential expenditure.
More informationICAEW on Personal Finance
ICAEW on Personal Finance Living away from home for the first time Jack decided he didn t want to go to university after finishing his A-levels. Instead he applied for a Higher Apprenticeship within a
More informationSupporting someone to manage money. a guide for carers
Supporting someone to manage money a guide for carers Taking care of money Everyone should have the right to make their own decisions about the money that they own. To do this well, a person needs information
More informationProtect Your Most Valuable Asset
Disability Income Insurance Protect Your Most Valuable Asset Your Ability To Earn A Living Page Heading Title And Double Line Title Your lifestyle and dreams for the future depend on your ability to earn
More informationParent s Consent Form for a School-Aged or Young Child
Parent s Consent Form for a School-Aged or Young Child The Child Employment Act 2006 and the Child Employment Regulation 2006 define specific restrictions on work that can be performed by school-aged or
More informationTable of Contents. Paying Up: Expenses...13 Decreasing Spending...14 Increasing Income...14 Budgeting Tools...15 Help! I Can t Pay My Bills!...
Table of Contents Money Smart for Young Adults Modules... 3 Your Guides... 4 pre-assessment... 5 Checking In...6 Welcome...6 Purpose...6 Objectives...6 Agenda and Ground Rules...7 Student Materials...7
More informationWHAT S INSIDE. Financial Planning. Starting out. Young families. Established families. Empty nesters. Retirement Getting the best advice
FINANCIAL PLANNING If you re looking for advice on financial planning, this guide explains some of the things you may need to consider. We hope you find this guide and the important pointers to each life
More informationFINAL SCHEDULE YEAR 1 AUGUST 18 22 WEEK 1
YEAR 1 AUGUST 18 22 WEEK 1 TIME MONDAY (18) TUESDAY (19) WEDNESDAY (20) THURSDAY (21) FRIDAY (22) 11am 1 LUNCH LUNCH LUNCH LUNCH LUNCH 3 YEAR 1 AUGUST 25 29 WEEK 2 TIME MONDAY (25) TUESDAY (26) WEDNESDAY
More informationBetter connections: What makes Australians stay with or switch providers? March 2015
Better connections: What makes Australians stay with or switch providers? March 2015 Contents p2 Methodology p3 Audience segments p4 Executive summary p6 Which companies do Australians commonly interact
More informationWeek 6 Week 5 Week 4 Week 3 Week 2 Week 1. Monday Tuesday Wednesday Thursday Friday Saturday
Week 6 Week 5 Week 4 Week 3 Week 2 Week 1 Sunday Monday Tuesday Wednesday Thursday Friday Saturday Week 6 Week 5 Week 4 Week 3 Week 2 Week 1 G u e s t F o l l o w - u p Calendar Sunday Monday Tuesday Wednesday
More informationBUDGETING ACTIVITY SHEET Needs Vs. Wants
BUDGETING ACTIVITY SHEET Needs Vs. Wants You may have many things you want and need. This worksheet should help you think about which is which! I need Least important Most important I want BUDGETING HANDOUT
More informationAdvice Centre UTILITY BILLS. This leaflet gives information about utility bills, suppliers and what to do when moving in and out of a house.
Advice Centre UTILITY BILLS This leaflet gives information about utility bills, suppliers and what to do when moving in and out of a house. 2014/15 UTILITY BILLS Most tenants of private sector rented
More informationThe Newlywed s Guide. To Budgeting
The Newlywed s Guide To Budgeting How to create and manage a budget for your new life together. Congratulations! Whether you re about to be married or have been married for a few years now, I m glad that
More informationTake a closer look at your Prepayment Meter
Take a closer look at your Prepayment Meter Your questions answered Let s talk about prepayment meters How do they work? This quick guide gives you lots of information about prepayment meters, such as:
More informationn Starter n The Paper Flow n What? When? n Create a System n Conclusion n Questions for Assessment
Lesson getting Organized A G E N D A n Starter n The Paper Flow n What? When? n Create a System n Conclusion n Questions for Assessment Objectives Students will examine ways to organize information and
More informationPaid Work / Weekly / Monthly
Financial Planner Form Please return completed form to: Collections Department Britannia Britannia House Leek ST13 5RG Once you have completed the form please ensure you sign the declaration before returning.
More informationBasic Current Account Information and Specific Conditions
Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your
More information`Homeshare Frequently Asked Questions
`Homeshare Frequently Asked Questions 1. How could a Homesharer help me? 2. Would I suit a Homeshare arrangement? 3. How long would the Homesharer stay? 4. What type of accommodation is offered? 5. How
More informationHOW TO. your 1.877.877.1995. www.clearpointccs.org C R E D I T C O U N S E L I N G S O L U T I O N S
argain HOW TO stretch your grocery dollar 1.877.877.1995 www.clearpointccs.org C R E D I T C O U N S E L I N G S O L U T I O N S INTRODUCTION Welcome to the second volume in our Bargain Hunting 101 ebook
More informationYour first home. A guide to buying for the first time
Your first home A guide to buying for the first time 2 Your guide to getting it right You re planning on buying a place of your own at last. It will be your space and no one else s. It s an exciting thought.
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationKuali Financial System (KFS) Credit Card Clearing (Object Code 6684)
Kuali Financial System (KFS) Credit Card Clearing (Object Code 6684) Each area that charges internal/external customers via use of a merchant account is required to review/reconcile their credit card clearing
More informationFamily Day Care. Business & Customer Support Centre. Compliance Information Guide. October 2012 Version 2
Family Day Care Business & Customer Support Centre Compliance Information Guide October 2012 Version 2 1 2 Contents CHILD CARE BENEFIT 4 Child Care Benefit is not paid 5 CHILD CARE REBATE 6 BILLING MODELS
More informationWhatever s special about your family life, make sure you protect it
Whatever s special about your family life, make sure you protect it Your family is special, so make sure you protect it When something awful happens, it feels like normal life stops. But, even for a family
More informationTIME MANAGEMENT WORKSHOP
TIME MANAGEMENT WORKSHOP Time Management Questionnaire Self Assessment: Answer Yes or No to the following questions: 1. Have you estimated how many hours you need to study this semester? 2. Do you tend
More information