1. MONEY Making it & Managing it 2008 Your Year to Get FINANCIALLY FIT

2. Reality Check “For every dollar earned, the average American family spends $1.22” “For every dollar earned, the average American family spends $1.22” Debt challenges??? You are not alone! Debt challenges??? You are not alone!

3. Are you out of control? Symptoms of short-term debt: More month than money. No savings for emergencies. Charging items to delay paying for them. Continually “rolling” debt from one card to another. Making consolidation loans to pay off credit card debt. More month than money. No savings for emergencies. Charging items to delay paying for them. Continually “rolling” debt from one card to another. Making consolidation loans to pay off credit card debt.

4. Wait… There’s more! Does your total debt consume more than 35% of your gross income? Is your car note greater than 15% of your take home pay? Have you been late on any payment in the last 6 months? Do you know how much you owe? Does your total debt consume more than 35% of your gross income? Is your car note greater than 15% of your take home pay? Have you been late on any payment in the last 6 months? Do you know how much you owe?

5. It’s time for a CHANGE!

6. Steps you can take: Confess your Mess! “Plastic Surgery”! A written plan. Pay ‘em down! Cash only! WAIT! Wise financial counsel. Confess your Mess! “Plastic Surgery”! A written plan. Pay ‘em down! Cash only! WAIT! Wise financial counsel.

7. Are you ready for the GOOD NEWS???

8. You are the CFO of your Mary Kay organization! 100% Section I Restock 50% Section 2 5% PCP 5% State Tax VA = 5% Personal profit & exp. 40%

9. How it works in “real time”: You sell $100 of Mary Kay and collect $105.00 Restock with 50% = $50.00 Tax reimbursed with 5% = $5.00 Section 2 is 5% = $5.00 PCP is 5% = $5.00 You sell $100 of Mary Kay and collect $105.00 Restock with 50% = $50.00 Tax reimbursed with 5% = $5.00 Section 2 is 5% = $5.00 PCP is 5% = $5.00

10. Start with Weekly Expenses! Gas for business = $30 MK weekly event = $5 Loan payment = $120 or $30/week Cell phone = $30 or $8/week Internet = $50/mo or $13/week Total = $86 Gas for business = $30 MK weekly event = $5 Loan payment = $120 or $30/week Cell phone = $30 or $8/week Internet = $50/mo or $13/week Total = $86

11. The Mary Kay Variable You write your own paycheck! 6 faces per week $100 per face = $600 in new sales. Tax=$30 50% = $300 5% = $ 30 60% = $360 + $30 is for restocking. 40% = $240 Less weekly expenses of $86 = $154 Monthly $1200 ws Section 1 $120 for Section 2 $120 for PCP Profit after expenses = $616 for 8-12 hours/week

12. Director Expenses Leadership Expenses Director Suit Travel expenses Copying expenses/newsletter Meeting Room expenses Prizes/ Promotions – (No more than 5% of profit you will earn) Phone Assistant fees Office Supplies Postage Red Jacket Club dues or other fees

13. Director Income Potential 50% - Personal sales – new & residual 13% - Team Building Check Team Building bonus = $100 per qual.recr. Unit Development bonus of $300 or $500 for Unit recruits. 9-13% - Unit commission Unit Volume bonus of $500+ Star Consultant Bonus of $300,$400,$500 Wellness Award Bonus = $750, $1200, or $1800 $1,000 - Contest bonuses for Cadillac, Higher Circles, New Director bonus opportunities Value of MK Career Car Offspring Commissions of 4-6%

14. Suggested Plan for Spending Personal Sales = Unit & Business expenses Director Commission = Family Expenses Bonus Checks = Investment/ Insurance 13% Recruiting Checks = Personal fun for you & your family, vacations, clothing….

15. Money Mess-Ups A downward spiral Ordering when it’s not in your 60% Multiple small orders Missing product bonuses Stealing from your business Too much Section 2

16. Keep Growing

17. The future of your financial security is in Team Building Month 1 = $1,000 X 4% = $40 Month 2 = $1,000 X 4% = $40 Month 3 = $1,000 X 4% = $40 Month 4 = $1,000 X 4% + $50 = $90 Month 5 = $1,000 X 9% + $50 = $140 Do this for a year to reap $1330 Doesn’t include repeat orders or 13%! Month 1 = $1,000 X 4% = $40 Month 2 = $1,000 X 4% = $40 Month 3 = $1,000 X 4% = $40 Month 4 = $1,000 X 4% + $50 = $90 Month 5 = $1,000 X 9% + $50 = $140 Do this for a year to reap $1330 Doesn’t include repeat orders or 13%!

18. People who soar, are those who refuse to sit back and wish things would change. Charles R. Swindoll People who soar, are those who refuse to sit back and wish things would change. Charles R. Swindoll