2. Making the Most of What You Have & Accepting Your Feelings Nancy M. Porter, Ph.D. Deborah J. Thomason, Ed.D.

3. Income = Expenses + Credit + Savings Payments

4. http://spendster.org

5. Use Assets Determine your net worth – Worksheet 3: Net Worth Statement Do it annually Can you use any of your assets to fund income reduction? Can you reduce liabilities?

6. ACCEPTING YOUR FEELINGS

7. What do YOU see?

8. The OLD Lady?

11. Just when you think you’ve given your all to the university they ask you to donate blood.

13. You can see the glass as half full … Or you can see the glass as half empty!

14. Garfield and Work…

15. POSITIVE Helps people respect the feelings of others Helps define and clarify a variety of issues and values Can lead to a confrontation, which can bring out ideas, issues, and values in a way which clears the air Can bring a sense of respect to all Can be the start of defining adjusted or new goals, which are more satisfactory to everyone

16. NEGATIVE Interrupts normal relations between individuals Provokes hurtful, personally harmful effects on the self-concept of the persons involved. Causes resentment and hostility Makes rational discussion difficult or impossible Robs the time and energy of everyone involved Causes stress and resulting hardships Causes possible break-up of relationships

17. REACTIONS TO CONFLICT Avoidance Acceptance Denial Enjoyment Flight Ignoring Management Promotion Suppression

18. Strangled on the office grapevine

19. Will they say this about you?

22. Controlling Spending and How Children Can Help Mom and Dad Nancy M. Porter, Ph.D. Deborah J. Thomason, Ed.D.