1. Next Webinar is on Tuesday, May 22 nd at 10 am and 7 pm

2. Debt-free Living with a Modest Income Each person has the potential to grow their finances much like a tree. The goal is to live a debt- free life, no matter what their income level. Here are 11 things financially successful people do.

3. 1. They Tithe Even non-believers know that donating money makes good sense. You see it in the business world all the time. Believers understand Malachi 3:6-12 and 2 Corinthians 9:6-7

4. 2. They Know Debt is Bondage Debt is exchanging your future for instant gratification Debt is betting on the future: future health, future job, future wages Debt presumes on God

5. 3. They are Detail Oriented They know what’s in their bank accounts; all of them! Their checkbook and spreadsheet balance They know what bills are upcoming They have a budget and they use it faithfully

6. 4. They are Practical They know that a two year old car costs less, lasts about as long and is still in good running order They know a Hyundai will get them to the same destination as a Cadillac They shop for value, not name brand

7. 5. They Live Within Their Means They spend only what they have, not what they anticipate having They spend less than they make They have a “rainy day” fund or savings/emergency account They have moved other-than-monthly expenses into monthly expenses

8. 6. They Know When to Say NO! The “hot deal” does not snare them They are immune to TV commercials They understand delayed gratification

9. 7. They can Wait They plan ALL purchases They have the money in hand before they buy They abide by the “three day rule” They shop interest rates before buying if they must use credit: i.e.. A house purchase They know the difference between good debt and bad debt

10. 8. They Know Whose They Are They follow scriptural mandates because they belong to Christ Their self worth is not tied up in what they drive, wear or use They don’t have to keep up with anybody, including the Joneses They realize that the way they handle finances is a witness to the community

11. 9. They Handle Credit Cards Wisely They have the means to pay for any purchases they make All credit cards are paid to $0 balance each month; no minimum payments allowed They use rewards cards only if the benefits out weigh the costs

12. 10.They Hold Themselves Accountable They check their credit score annually They check their emotions at the door when they shop They research every purchase before they step on the sales floor They buy what they need, not what the salesman wants them to buy They refuse to make excuses

13. 11. They Measure Happiness Well They value the things money cannot buy: faith in God, family, health, friends and living in America Stuff does not own them They understand the simple life

14. What Questions do you have for me? 559 287-7840 cell 559 256-0858 direct line rwiltrout@csbc.com

15. Next Webinar is on Tuesday, May 22 nd at 10 am and 7 pm