Personal Finance

Make Payments to Debtors Leadership Traits Leadership Principles Semper Fidelis

Maintaining and Balancing a Checking Account Checks How to write a check How to reconcile your checking account

Budgeting

Program Your Income

Program Your Expenditures Fixed expenses Variable expenses

Method of Budgeting Envelope method Checking account method

Problems Resulting From a Lack of Financial Awareness Loss of morale Job performance declines Unable to repay peer loans Late to work Always out of money Writes bad checks No reserve funds Victim of E-Z credit Drugs and alcohol

Root Causes of Financial Problems and Debts

Mismanagement of Money How do I know this Marine’s problem is mismanagement of his money?

Breaking the Ice and Gaining Confidence Explain that a budget is plan for spending Show him/her how to make a simple budget Ask how he/she pays their bills

The Difference Between a Need and a Want

Contentment

Questions ?