Final Money Matters Presentation
May 28, 2015
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Money Matters
$$$$$$$A Guide to Financial Wellness
Check it out!
www.oklahomamoneymatters.org
www.YouCanDealWithIt.com
www.daveramsey.com
Determine current financial situation
Develop your
financial goals
Identify alternative courses of
action
MAKE GOALS
Now… Within a Year…
More
than a year from now
Evaluate alternatives
Consider
*life situation*personal values
*economic factors
Assess*risk
*time value of money(opportunity cost)
Create and implement your financial action
plan
Review and revise the financial
plan
Determine current
financial situation
Budget
Create a budget
spending plan
Follow your budget
Track your expenses dailyWhen you spend your money on paper and on purpose each month with a written budget, you'll actually experience more freedom than before!
Before You Buy
• Do you spend without thinking?
• Before you make your next purchase---even if it is “just” a shirt---walk away for 15 minutes and think
– Do I NEED it? – How will I pay for it---cash or credit? – Where am I going to put it? – What will happen if I don’t buy it?
WASTING YOUR MONEY?Are you…
Be Tough
• Social Security at a low• Stock market is flat• Tighten your belt• Control your cash flow
• Sometimes you’re the windshield; sometimes you’re the bug.
Sound Familiar?
Eating less/Exercising more Spending less/Save more
STUFF
Save your take-out napkins and silverware.
Don’t be ashamed of grabbing a couple extra shampoos at the freshman move in desk.
Shop Smart
Cut coupons
Store brands
Fresh foods
Dollar store prices
Sale days
KEEP IT LOCAL
Check it out!
www.oklahomamoneymatters.org
www.YouCanDealWithIt.com
www.daveramsey.com
Mapping Your Future (MYF)
www.mappingyourfuture.org
National Endowment for Financial Literacy
www.smartaboutmoney.org
360 Degrees of Financial Literacy
www.360financialliteracy.org
COOK AT HOME
MAKE YOUR OWN COFFEE
BRING YOUR LUNCH
MAKE A SHOPPING LISTMAKE A SHOPPING LIST
PLANT A GARDEN
GET GROCERIES WHILE YOU ARE IN A HURRY
AVOID PERISHABLES WITHSHORT EXPIRATION DATES
BUY IN BULK
USE GROCERY BAGS AS YOURTRASH CAN LINERS
CONSOLIDATE YOUR DEBT
AVOID THE ATM FEE
PAY YOUR BILLS EARLY
BORROW YOUR BOOKSFROM THE LIBRARY
BOTTLE YOUR OWN WATER
JUST SAY NO…TO VENDING MACHINES
REGULATE YOUR ELECTRICITY
GO TO THE MATINÉE (AND SNEAK YOUR SNACKS IN)
KEEP CARE OF YOUR VEHICLE
CAR POOL
BIG THANKS!Jack Kraettli – Finance TeacherDave Ramsey – one smart cookieBetty Ferguson – Cody’s 8th grade computer science teacher
Pink Floyd – Music
Microsoft&Braum’s&Coffee
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