1. FINANCIAL PEACE UNIVERSITY! Sundays, Sept. 30 th thru Nov. 11 th 10:30-11:30AM, Rosner Family YMCA sponsored by…

2. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Homework Review: What is Baby Step 1? What is Baby Step 2? $1000 in Emergency Fund Dump Debt using the Debt Snowball Helpful forms, videos and other resources @ daveramsey.com

3. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word TRUTH: If you don’t tell your money where to go, it will _________! fly away Helpful forms, videos and other resources @ daveramsey.com

4. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word 5 Reasons people don’t do a monthly cash flow plan It has a ________________ connotation. It has been used to __________ them. They never had a budget that ________ before. They are _______ of what they will find. It requires a certain degree of ___________. straight jacket Helpful forms, videos and other resources @ daveramsey.com bludgeon worked afraid discipline

5. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Scriptural foundations for good stewardship… Proverbs 27:18a, 23 “The one who guards the fig tree will eat of its fruit… Be diligent to know the state of your flocks, and attend to your herds.” Luke 13:34, “For where your treasure is, there your heart will be also.” Luke 14:28 “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?” Helpful forms, videos and other resources @ daveramsey.com

6. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Scriptural foundations for good stewardship… God _____________ and ___________ good stewardship. Stewardship is a matter of the __________. To be a good steward of God’s resources, your heart’s desire must be tied to your mind’s _________ and your will’s ______________. Helpful forms, videos and other resources @ daveramsey.com commands rewards heart planning determination

7. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Budgets don’t work when people… Leave _________ out of it. (Pray! Malachi 3:10) Leave ___________ expenses out of it. (gifts, insurance, repairs, medical, etc) ___________________ their monthly cash flow plan. (KISS principle) Don’t __________ to their plan. (unity is a must for couples) Helpful forms, videos and other resources @ daveramsey.com God irregular Overcomplicate stick

8. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Recommended percentages of TAKE HOME pay… Charitable Giving: 10-15% Housing/Utilities/Upkeep: 25-40% Food/Clothing/Transportation: 20-40% Medical/Dental/Optical: 5-10% Debt Retirement/Savings/College Fund: 5-10% Recreation/Personal: 5-10% Helpful forms, videos and other resources @ daveramsey.com

9. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Recommended payment method: __________________ CUT UP THE CREDIT CARDS! Helpful forms, videos and other resources @ daveramsey.com cash envelopes

10. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word People who make and stick to a monthly cash flow plan… Sleep better now! Retire better later! Helpful forms, videos and other resources @ daveramsey.com

11. FINANCIAL PEACE UNIVERSITY! Part 5: Tackling the Dreaded “B” Word Join us next Sunday for… Make Your Money Work Harder! (Investing Wisely for College and Retirement) Helpful forms, videos and other resources @ daveramsey.com