FINANCIAL HEALTH AN EAP OCCUPATIONAL STRESS PROGRAM 8/14/20151.

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AN EAP OCCUPATIONAL STRESS PROGRAM
Presentation transcript:

FINANCIAL HEALTH AN EAP OCCUPATIONAL STRESS PROGRAM 8/14/20151

OBJECTIVES Establish a Budget Set Financial Goals Take Action to Build a Financial Safety Net Learn to Manage Debt and Live Within Our Means 8/14/20152

BUDGETING Controlling financial affairs requires a budget Think of a budget as a means to achieve financial success A budget is the first and most important step toward financial freedom A budget is a means to track ALL expenditures 8/14/20153

BUDGETING How do you spend your money? Is your spending a necessity or indulgence? Can you afford to continue the current spending pattern? Reference Handout – Budget Worksheet 8/14/20154

BUDGETING Review the budget worksheet Identify essential items (necessities) List non-essential expenditures (habits – indulgences) Reference Handout – Non – Essential Expenditures 8/14/20155

SET FINANCIAL GOALS Identify and list (record) financial goals Categorize each financial goal as short term (less than 1 year), medium-term (1 – 3 years), or long term (5 years or longer) Educate yourself about money management. Make educated decisions that will increase your net worth. Take small, measurable steps to achieve financial goals. 8/14/20156

SET FINANCIAL GOALS Evaluate your progress Review your progress daily, monthly, quarterly or at other designated intervals Re-evaluate your approach and if necessary adjust your strategies 8/14/20157

BUILD A FINANCIAL SAFETY NET Enroll in long-term disability insurance through your employer via payroll deduction Purchase life insurance Build an emergency fund to cover living expenses for six months 8/14/20158

MANAGE DEBT AND LIVE WITHIN YOUR MEANS Develop a positive attitude about budgeting Set simple, realistic financial goals Rethink the meaning money has in your life and the way money is used If necessary seek professional guidance regarding personal financial management 8/14/20159

MANAGE DEBT AND LIVE WITHIN YOUR MEANS Pay yourself first Use automatic transfers Use payroll deduction Every cent counts… 8/14/201510

QUESTIONS - DISCUSSION Wrap-Up Evaluations 8/14/201511

RELATED LINKS MU Office of Financial Success Personal Finance /budget.htm 8/14/201512

RELATED LINKS Financial Tip of the Week budgettools.pdf 8/14/201513

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