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The Balancing Act: Tips & Tricks to Save You Money

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Daniel Waldman
Wirtschaft & Finanzen
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Money Management CCCS your partner in education,counseling and debt repayment Howard County Surviving The Recession Consumer Credit Counseling Service of Maryland and Delaware, Inc.
Overview ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
CCCS OF MD & DE MISSION ,[object Object],CCCS your partner in education,counseling and debt repayment
CCCS of MD & DE Qualifications ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
CCCS of MD & DE Services ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
What are your goals ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Did you know?????? ,[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
TEN RULE FOR FINANCES ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
FINANCIAL FITNESS CHECKLIST ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Preparing a spending plan ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How can I track my spending ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
A good spending plan can ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Why Is a Spending Plan Important? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
What do I learn from tracking my expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How can I track my spending ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Expense tracking ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Counting your income ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Income ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Budget analysis ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Budgeting SMART ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Budget Analysis ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Reducing Daily Expenses ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Save big when shopping ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Expense Allocation Chart CCCS your partner in education,counseling and debt repayment Housing 23-33% Food 12-29% Transportation 7-10% Entertainment 4-6% Savings 5-10% Insurance, Medical 7-10 % Church/Charity 5-10% Personal Debt 8-18% Clothing 4-7%
Trick yourself to wealth ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Compound Interest ,[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Rule of 72 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Rule of 72 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Compound Interest ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Saving Money Fact ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
10 Rules of Investing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Credit and Debt Management CCCS your partner in education,counseling and debt repayment “ Today, there are three kinds of people:  the have's, the have-not's, and the have-not-paid-for-what-they-have's.”  Earl Wilson
Personal financial statement ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Debt to income Ratio ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How is my debt to income ratio ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
CREDIT REPORT CONTAINS ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
OBTAIN YOUR REPORT ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
What Is a Credit Report ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How Long Do Items Stay On My Credit Report ,[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Credit Report Contact info ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
What Is a Credit Score ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How An Improved Score Can Save You Money ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
CREDIT SCORE ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
How Scores Are Calculated ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Bankruptcy ,[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Types of Bankruptcy ,[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Bankruptcy Continued ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Housing Issues ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Mortgage Crisis ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Mortgage Crisis ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Monthly Mortgage Payments ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Projected Tax Savings ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Avoid Predatory Lending ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
SCAMS ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
FRAUD AND ID THEFT ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
CREDIT REPAIR CLINICS ,[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Expense reduction ideas ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Expense reduction ideas Continued ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Avoid Fees ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Saving Web sites ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Websites Continued ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment
Contact Information Consumer Credit Counseling Service of MD and DE, Inc. ,[object Object],[object Object],[object Object],[object Object],CCCS your partner in education,counseling and debt repayment

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The Balancing Act: Tips & Tricks to Save You Money

  • 1. Money Management CCCS your partner in education,counseling and debt repayment Howard County Surviving The Recession Consumer Credit Counseling Service of Maryland and Delaware, Inc.
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  • 42. Credit and Debt Management CCCS your partner in education,counseling and debt repayment “ Today, there are three kinds of people:  the have's, the have-not's, and the have-not-paid-for-what-they-have's.”  Earl Wilson
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