Download - It's Not About Money eBook
-
8/13/2019 It's Not About Money eBook
1/23
-
8/13/2019 It's Not About Money eBook
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,
.
-
8/13/2019 It's Not About Money eBook
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 .
-
8/13/2019 It's Not About Money eBook
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 ,
,
.
-
8/13/2019 It's Not About Money eBook
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
-
8/13/2019 It's Not About Money eBook
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 , . .
-
8/13/2019 It's Not About Money eBook
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
-
8/13/2019 It's Not About Money eBook
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
-
8/13/2019 It's Not About Money eBook
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.
-
8/13/2019 It's Not About Money eBook
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
.
-
8/13/2019 It's Not About Money eBook
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 ,
-
8/13/2019 It's Not About Money eBook
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%.
-
8/13/2019 It's Not About Money eBook
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 ,
-
8/13/2019 It's Not About Money eBook
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 $100,000 . D
?
PRIORITIES REISITEDD ? D ? D
ANT MUST ? T
. T
, , . I . I , ,
, . I
, ,
. E , ,
I . S I ?
-
8/13/2019 It's Not About Money eBook
15/23
APPENDI
-
8/13/2019 It's Not About Money eBook
16/23
Name:
Date:
Source Amount How Often MonthlySalary 1
Salary 2Salary 3BonusCommissionSelf-EmploymentDividend IncomeRoyalty IncomeRentsNotes
AlimonyChild SupportUnemploymentSocial SecurityPensionAnnuityDisability IncomeCash GiftsTrust Fund
OtherOtherOther
Total
Income Sources Workshee
-
8/13/2019 It's Not About Money eBook
17/23
Name:
Date:
Bill Amount How Often MonthlyReal Estate Taxes
Homeowner's Ins.
Home RepairsReplace Furniture
Medical Bills
Health InsuranceLife Insurance
Disability Ins.
Car Insurance
Car Repair/ReplaceCar Tags/Taxes
Clothing
TuitionBank Note
IRS (Self-Employed)
Vacation
Gifts (inc. Christmas)Other
OtherOtherOther
TOTAL
Irregular Bills Workshee
-
8/13/2019 It's Not About Money eBook
18/23
Name:
Date:
Bill Amount Due Date N
Irregulars Total from the Irregu
TOTAL
Monthly Bills Worksheet
-
8/13/2019 It's Not About Money eBook
19/23
Cash Flow CalendaSunday Monday Tuesday Wednesday Thursday
*
-
8/13/2019 It's Not About Money eBook
20/23
Cash Flow Calendar (EXASunday Monday Tuesday Wednesday Thursday
1 2 3 4 5
+900 paycheck
-120 charity
-400 rent
-80 entertainment
-35 gifts
-25 clothing/shoes
-30 g
-80 g
7 8 9 10 11 12
-30 g
-80 g
14 15 16 17 18 19
+900 paycheck
-120 charity
-50 home improvement
-100 electricity
-30 water/sewer/trash
-100 car maintenance*
-25 clothing/shoes -30 g
-80 g
21 22 23 24 25 26
-50 phone/internet -40 cell phone -30 g
-80 g
28
-100 savings
-25 car insurance*
*
-
8/13/2019 It's Not About Money eBook
21/23
Amount
Net Income 1,800.00$
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
-
8/13/2019 It's Not About Money eBook
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
-
8/13/2019 It's Not About Money eBook
23/23