Money management and financial planning

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Presentation transcript:

Money management and financial planning Amarillo College Money Management Center

Today’s Discussion Topics Budgeting Savings Student Loans Credit Cards Credit Score Loans Auto Loan Mortgage Retirement

Budgeting Creating a budget is one of the first steps to financial independence. Planning out your expenses can keep you from overspending and allows you to see where the majority of your money is going. AC Money Mgt. Budgeting Worksheet Apps Mint Expensify HomeBudget Dave Ramsey’s Envelope System 50/30/20 Budgeting Rule Lifestyle Budget Tool (can you afford the life you want to live)?

Savings 40% of Americans’ do not have enough savings to cover a $400 emergency Many experts argue that you should have a minimum of three months of living expenses tucked away – but six months is ideal. Tips to Save More Get Serious About a Budget Tips on Saving Money: Daily, Monthly, and Long Term Hide Your Savings Account From View (andor) Name Your Accounts

Student Loans Remember this debt Can you afford to pay back your student loans? (Calculator) If you have you student loan debt Consider Consolidation Consider a Different Payment Plan If Applicable Apply for Student Loan Forgiveness

Credit Cards Are They Good…Yes and No Shop for the Best Credit Card for You

Credit Score What is a Credit Score and Why is it Important?

Loans Okay, now that you have excellent credit…you’re going to want a Auto Loan Auto loan calculator New or used Mortgage Mortgage calculator Low down payment programs Things to do before buying a home

Retirement How much will I need? How to save more for retirement