1. Financial Literacy On A Cloud Workshop

2. What is Financial Literacy? Financial literacy means having the knowledge, skills and confidence to make responsible financial decisions. Knowledge refers to an understanding of personal and broader financial matters; Skills refer to the ability to apply that financial knowledge in everyday life; Confidence means having the self-assurance to make important decisions; and Responsible financial decisions refer to the ability of individuals to use the knowledge, skills and confidence they have gained to make choices appropriate to their own circumstance. Financial Literacy is an essential life skill and we need tools to help better manage them.

3. What is Cloud Computing? Cloud computing is the delivery of computing as a service rather than a product, where users share resources, software, and information typically over the Internet that permit them to access computers and other devices as a utility over a network similar to the electric power grid. Some are fee-based services while others are free. Free services will typically offer a limited-version of the service with additional fees for the full-package. Cloud graphic provided by http://blogidol.cahttp://blogidol.ca Hotmail, SkyDrive are registered trademarks of © 2012 Microsoft Google Docs and Google Doc Connect are registered trademarks of Google Inc. YouTube is a registered trademark of YouTube, LLC Microsoft SkyDrive Google Docs

4. What is Mint? Mint © provides consumers with a tool to manage their financial responsibilities in a user-friendly manner. It is a highly-secure and read-only application -no funds are transferred between you and any institution. It permits you to track and budget for your current and future financial plans. Mint.com is a registered trademark of Intuit Inc.

5. Now What? Mint Demo 90 Second Video Overview – YouTube © Mint Demo 90 Second Video Mint Online Demo Tutorial Create a Personal Account YouTube is a registered trademark of YouTube, LLC

6. Mint Account Categories Asset Accounts Cash, Investments and Property Debt (Liability) Accounts Credit Cards, Loans Personal Net Worth Net Worth (Assets - Debts)

7. Cash vs Debt During the period of October and March Cash $ __________ Debt $ __________ Net Worth $ __________ 4,997 466 4,531

8. Net Income Net Income (Income – Spent (Expenses)) Income $ ____________ Expense $ ____________ Net Income $ __________ 15,500 14,393 1,106

9. Why Budget? A budget helps you see and manage how much money you receive, – how much you spend and finally, – how much you save. It allows you to set spending limits and to learn how to live within your means. It helps manage ways to get rid of your debts, reduce costs and have more money for things that are really important to you. These are wants that many of us confuse with our personal needs.

10. What are your Financial Goals? Do you need to pay off your debt(s)? Do you want to save to buy a car or begin saving for a vacation? Do you want to go to a post-secondary school? Do you want to save some money in case of an emergency? How are you planning to pay for it? Keep it Real!!!

11. What is Your Credit Score? A credit score is a numerical range between 0 and 830 based on a statistical analysis of a person's credit files and, It represents the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus (Equifax, Experian and TransUnion).

12. Create Your Personal Mint Account Open the website, http://www.mint.comhttp://www.mint.com Fill in the form and click on The account login/password will be different from your online banking account.