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