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------=_NextPart_01C9C7E7.AEDC0F40 Content-Location: file:///C:/097BA2B3/MoneyMatters_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01C9C7E7.AEDC0F40 Content-Location: file:///C:/097BA2B3/MoneyMatters_files/slide0003.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Slide 1
M= oney Matters
Personal Financial Management
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= 3Dedacoltag3DRstbrhor=
Why Personal Finance is Important=
•Where = are you?
•
•
Where= are you going? 
&= #13;
Person= al finance is important because it’s important to YOU!

Need t= o ask yourself two questions:
Where = are you or Where are you financially now?
Where = are you going or Where do you want to be?
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= 3Dedacoltag3DRstbrhor=
Personal Finance
– Key is to start off managing your finances properly.
–
– Whenever you get behind on anything, it’s hard to catch up.
•<= /span>
&= #13;
&= #13;
Think = about why you are in school – to get the education to begin your career or to fur= ther your education to advance in your career.
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= 3Dedacoltag3DRstbrhor=
Budgeting: 5 Step Process
1.Identify Inco= me (financial aid, work earnings, other = supplemental funding) and Expenditures (food, entertainment, expenses, etc.)&= #13;
2.Plan Monthly Budget: Income – expenditur= es =3D residual
3.Monitor Spen= ding: balance accounts, balance = projected budget vs. actual budget
4.Review Monthly:  do you need to adjust anything?
= 5.Stick To It:&n= bsp; don’t get discourage= d
Int= roduction to slide:
In ord= er to manage your debt wisely, follow the 5 step budgeting process

(I hav= e this animated so click to show each step)
Step O= ne: Identify income and expenditures
Step T= wo: Plan your budget monthly
Step T= hree: Monitor spending
Step F= our: Review monthly
Step F= ive: Stick to it

Fin= al point:
The ma= in point is #5: Stick to it.  There will always be issues/situations that come up that can get you off track.  The main thing is to reevaluate = and get back on track.
------=_NextPart_01C9C7E7.AEDC0F40 Content-Location: file:///C:/097BA2B3/MoneyMatters_files/slide0011.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Slide 1
= 3Dedacoltag3DRstbrhor=
Your Credit
• Establishing credit is important for future borrowing purposes.
•
• Need to be credit-worthy.
&= #13;
&= #13;
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= 3Dedacoltag3DRstbrhor=
Your Credit Score
• Most widely used credit scores= are FICO scores.
R= 26; Scores range between 300 – 850:  the higher the score, the lower y= our interest rate.
• Most people score between 600 to 700.
R= 26; It is based on your payment history and your level of outstanding debt.
•<= /span>
<= /span>
<= /span>
&= #13;
&= #13;
Int= roduction to slide:
Your c= redit score is considered your credit-worthiness.  In other words, creditors use this to see how well you will pay ba= ck the money you borrow.

Fin= al point:
Your c= redit score is not just a snapshot of where you are currently, but is based on your paym= ent history and your level of outstanding debt.
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= 3Dedacoltag3DRstbrhor=
What Makes up a Credit Score?
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= 3Dedacoltag3DRstbrhor=
Reviewing Your Credit Report<= /span>
• Inspect your credit report = ;
–Law entitles you to = one free report a year from each nationwide credit reporting age= ncy
<= span style=3D'mso-special-format:bullet;position:absolute;left:-3.66%;font-fami= ly: "Arial Narrow"'>–Online:&nbs= p; = www.AnnualCreditReport.com
<= span style=3D'mso-special-format:bullet;position:absolute;left:-3.66%;font-fami= ly: "Arial Narrow"'>–Phone: 1-877-322-8228
<= span style=3D'mso-special-format:bullet;position:absolute;left:-3.66%;font-fami= ly: "Arial Narrow"'>–Mail:
– Annual Credit Report Request Service
– P.O. Box 105281
– Atlanta, GA 30348-5281 <= /div>
•
<= /span>
Int= roduction to slide:
You ne= ed to routinely monitor your financial accounts and billing statements to detect any suspicious activity.
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