Post on 15-Aug-2015
FINANCIAL LITERACYWHERE DOES MY $$$ GO?
REALITY CHECK TIME…
• APPLICATION OF KNOWLEDGE - CAN BRING POWER...• (CLICK ON LINK)
ASSESS YOUR CURRENT SITUATION
INCOME COMING IN…• INCOME FROM EMPLOYMENT
• INCOME FROM OTHER SOURCES
• INCOME FROM GOVERNMENT SOURCES
INCOME GOING OUT…• RENT OR HOUSING COSTS
• FOOD AND LIVING EXPENSES
• ENTERTAINMENT & MISC. COSTS
COMPLETE BUDGET WORKSHEET(30 MINUTE – BREAKOUT SESSION)
REFLECTION & APPLICATION…
REFLECTION• LOOK FOR AREAS TO CONSOLIDATE
& STRATEGIZE DISCIPLINES/REWARDS
• SET SHORT TERM AND LONG TERM GOALS WITH CLEAR EXPECTATIONS
• IDENTIFY PERSONS OR ESTABLISH PARTNERSHIPS FOR ACCOUNTABILITY
APPLICATION• APPLY 10 SECOND RULE BEFORE
MAKING A PURCHASE
• APPLY 30 DAY RULE BEFORE MAKING LARGE PURCHASES
• AT APPROPRIATE TIME, SAVE $1 FOR EVERY $10 ($1 FOR $100 IN EXTREME SITUATIONS)
BECOMING CREDIT CONSCIOUS
KNOW HOW TO ACCESS THE 3 MAJOR CREDIT BUREAUS
• EQUIFAX - HTTP://WWW.EQUIFAX.COM/HOME/EN_US
• EXPERIAN - HTTP://WWW.EXPERIAN.COM/
• TRANS UNION - HTTP://WWW.TRANSUNION.COM/
• FREE ANNUAL CREDIT REPORT - HTTPS://WWW.ANNUALCREDITREPORT.COM/INDEX.ACTION
NOW – KNOW HOW TO ACCESS THE 1 THAT CAN EMPOWER YOU…
HOW TO MANAGE CREDIT WHEN ON A BUDGET
(CREDIT KARMA - WEBSITE)
• CREDIT KARMA - YOU TUBE VIDEO
BAD CREDIT? OPTIONS…
ARE YOU THE SURVIVOR OF…
IDENTITY THEFT?• CONTACT EACH CREDIT BUREAU & STATE
YOU SUSPECT IDENTITY THEFT
• EACH CREDIT BUREAU WILL FLAG YOUR ACCOUNT AND SEND A “FREE” REPORT”
• ONCE RECEIVED, REVIEW EACH ACCOUNT AND CHALLENGE SUSPICIOUS ITEMS
• INVESTIGATION WILL BE LAUNCHED AND ALL FALSE ACCOUNTS - REMOVED
POOR FINANCIAL CHOICES• SEEK HELP FROM CREDIBLE –
CONSOLIDATION SOURCES
• FINANCIAL COUNSELORS @ FAMILY WORKS AGENCIES & WORKFORCE OFFICES SERVE INDIGENT JOB SEEKERS
• LEXINGTON LAW FIRM – ESTABLISHED CREDIT LAW FIRM WITH PLANS BEGINNING AS LOW AS $20 A MONTH
“
”IF YOU’RE WONDERING HOW TO MAKE LOTS OF MONEY , IDENTIFY THE PEOPLE WHOM
HAVE SUCCESSFULLY DONE IT , LOOK FOR CLUES ABOUT HOW THEY DID IT – THEN FIGURE OUT HOW TO COPY THEM…
THANK YOU FOR THE OPPORTUNITY TO BE OF
SERVICE
SINCERELY,
WILLIE GREGORY
Founder Of:J.O.B.S.
Journey of Believing
Souls