NEFE High School Financial Planning Program Unit One - Your Financial Plan: Where It All Begins. Unit 1 - Your Financial Plan: Where It All Begins
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1 Unit 1 - Your Financial Plan: Where It All Begins
2 Most people don t plan to fail They simply fail to plan! 1-A
3 The Five-Step Financial Planning Process 1-B
4 Sample Wants and Needs NEEDS Food for breakfast Clothes for school Transportation to school or work WANTS An ipod DVD Players Cell Phone Hot Car 1-C
5 Values Getting a good education Religious faith or beliefs Social causes Handling money responsibly Friendships / The people I hang out with 1-D
6 Term Goals SHORT-TERM GOALS Within three months INTERMEDIATE-TERM GOALS Three months to a year LONG-TERM GOALS More than a year 1-E
7 Delayed Gratification Saving money over time to make a major purchase. Waiting to buy a new product until the price goes down. Waiting to see the latest movie until the crowds get smaller and the lines shorter. 1-F
8 S-M-A-R-T GOAL CRITERIA Specific Measurable Attainable Realistic Time-Limited 1-G
9 SMART Goals Specific.. Measurable Attainable.. Realistic. Time-Limited.. Pay for lodging, transportation, meals for a 5-day trip to Washington, D.C. $300 through fundraising, $50 from birthday money, save $25 a week. If I stick to my plan, I ll have the money when I need it. I still have enough money to live on while I work toward this goal. I need to have all the money by 6 months from now. 1-H
10 Writing an Effective Goal Statement Rules for writing goal statements: 1. Use clear, specific language. 2. Start your goal statement with TO + a VERB 3. Write your goal statement using SMART Goal Criteria 4. Avoid using negative language. Think positive! An example of a goal statement: To run the mini marathon in May and complete the 10 mile race in under 1 hour to beat my personal best time. Notice how the above example begins with the word To, includes the verb run, and tells what (the marathon), why (to beat personal best time) and when (May).
11 Spending Record $35.00 $5.00 $15.00 $55.00 $15.00 $6.00 $4.00 $7.00 $8.00 $15.00 $ I
12 Age Factors That Affect Needs Wants Decision Making what about you? Family Time Money Values Habits 1-J Society Culture Motivation Education Attitudes
13 Decision-Making Process Identify Your Goal Weigh Pros and Cons Establish Criteria Make a Decision 1-K Evaluate Results
14 Unit One - Your Financial Plan: Where It All begins Decision Making and Financial Planning The Decision- Making Process The Financial Planning Process Identify Your Goal Set Goals Establish Criteria Analyze Information Weigh Pros and Cons Create a Plan 1-L Evaluate Results Make a Decision Monitor & Modify the Plan Implement the Plan
15 Know What You Want Identify Your Goal Decide where to eat Establish Criteria M
16 REALITY RESPONSIBILITY RESTRAINT 1-N
17 SAVING SPENDING SHARING 1-O
18 Unit 1: Your Financial Plan: Where it All Begins
NEFE High School Financial Planning Program Unit One - Your Financial Plan: Where It All Begins. Unit 1 - Your Financial Plan: Where It All Begins
Unit 1 - Your Financial Plan: Where It All Begins Most people don t plan to fail They simply fail to plan! 1-A What is financial planning? More than budgeting More than investing Financial planning is
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