1. Income, Savings, and Assets
for the Future
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2. Welcome
Introductions

3. Objectives Maximize your income. Track your money flow.
Think about tomorrow.

4. Maximizing Your Income
Consider workforce and personal development.
Get your General Education Development (GED).
Return to school—consider community college.
Explore a trade.

5. Stretching Your Dollars
Buy used.
Shop sales and ask for discounts.
Eat at home and pack lunches.
Use coupons and buy in bulk.
Trade babysitting.
Look for discounts on prescriptions.
Maintain your own car or take public transportation.

6. Earning Extra Money Get a part-time job. Volunteer at a nonprofit.
Gain experience.
Make job connections.
Sell your stuff.
Garage sale.
Online auction sites.

7. Tracking Your Money Flow
Create a spending plan:
Identify your income.
List your expenses.
Compare income and expenses.

8. Plugging Spending Leaks
Take a look at this spending leak example: You buy coffee every morning at $3.50 a day. That is:
$70.00 a month (20 days x $3.50)
$ a year (12 months x $70.00)

9. Dealing with Debt Top 10 signs of too much debt.
Nine quick ways to start getting out of debt.
How to improve your credit score.

10. Thinking About Tomorrow
Start an emergency fund.
Set SMART goals.
Set short-, medium-, and long-term goals.
Invest with mutual funds.
Look into IDAs.

11. Summary Maximize your income. Track your money flow.
Think about tomorrow.