1. Transitional Housing Use limitations: These materials may be used only for nonprofit, noncommercial educational purposes. These materials may not be used in connection with any sale, advertisement, endorsement, or promotion of any service, product, person, or business and may not be sold or offered for sale. 1

2. Welcome Introductions 2

3. Objectives Dealing with an emergency housing situation Finding ways to generate income Controlling expenses and cutting debt Starting a savings habit Dealing with an emergency housing situation Finding ways to generate income Controlling expenses and cutting debt Starting a savings habit 3

4. If Your Housing Is At Risk Now Talk to your landlord ASAP Give a brief reason for the temporary problem Is there work you can do for the landlord? Avoid arguments Put your plan to catch up on back rent (if any) in writing Talk to your landlord ASAP Give a brief reason for the temporary problem Is there work you can do for the landlord? Avoid arguments Put your plan to catch up on back rent (if any) in writing 4

5. Finding Emergency Help Get a loan from friends Get aid from religious, veterans, or nonprofit groups Get an advance on wages SNAP Use emergency food stamps Get a loan from friends Get aid from religious, veterans, or nonprofit groups Get an advance on wages SNAP Use emergency food stamps 5

6. Ways to Earn Extra Money Part-time jobs Volunteering at a nonprofit Gain experience Make job connections Sell your stuff Garage sale Part-time jobs Volunteering at a nonprofit Gain experience Make job connections Sell your stuff Garage sale 6

7. Needs and Wants What is the difference between needs and wants? We all have limited finances We all need to make decisions on what to buy now or wait to buy later and what we dont need at all What is the difference between needs and wants? We all have limited finances We all need to make decisions on what to buy now or wait to buy later and what we dont need at all 7

8. Controlling Expenses Utility bills Transportation costs Food costs Plug spending leaks Utility bills Transportation costs Food costs Plug spending leaks 8

9. Tracking Your Money Flow Create a Spending Plan Identify your income List your expenses Compare income and expenses Create a Spending Plan Identify your income List your expenses Compare income and expenses 9

10. Dealing with Debt Top 10 signs of too much debt Nine quick ways to start getting out of debt Avoid predatory lenders Pawnshops Rent-to-own Tax refund–anticipation loans Check-cashing stores and payday loans Top 10 signs of too much debt Nine quick ways to start getting out of debt Avoid predatory lenders Pawnshops Rent-to-own Tax refund–anticipation loans Check-cashing stores and payday loans 10

11. Starting a Savings Habit Start Saving Now Using bank or credit union accounts Paying yourself first Saving for emergencies Goal: Set aside enough to cover three months of basic living expenses Start Saving Now Using bank or credit union accounts Paying yourself first Saving for emergencies Goal: Set aside enough to cover three months of basic living expenses 11

12. Review Dealing with an emergency housing situation Finding ways to generate income Controlling expenses and cutting debt Starting a savings habit Dealing with an emergency housing situation Finding ways to generate income Controlling expenses and cutting debt Starting a savings habit 12