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Want to fix your financial life? Of course, you do. No one wants a broken money life, yet a lot of us stay stuck in one place for way too long because we are lacking one major skill... action. Yep, ACTION is a learned financial skill. Through this 40-minute course, you and I will work together to create an action plan to fix your financial life. We'll focus on spending. Spending is what causes debt, it's what causes cash flow problems, and it's what prevents you from preparing for the future. When you fix your poor spending habits the rest of your financial life will come together. In this course, you'll learn how to cut spending and save money, create a plan for paying off debt, and understand the value of knowing your net worth. Are you ready? Let's get started!
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|Section 1: How Resourceful are You?|
In this lesson you'll see the link between your financial knowledge and your behavior. You'll also see the impact your behavior has on the amount of resources you have. Now is also a great time to download the course workbook. In the workbook you'll find tables and charts to fill in with your numbers, plus a page for notes.
|Section 2: Past, Present, Future|
In this lesson you'll break down the lifecycle of your financial life, from your past, to your present, to your future.
In this first Take Action section you'll use a few highlighters and your bank statement to determine how much of your current income is going to your past, present, and future.
|Section 3: How to Pay Off Debt... Effectively|
Debt obligates you to your past. It can also prevent your current dollars from preparing you for your future. In this lesson we'll discuss the three common methods people use to pay off debt, and which is the best to use. Use the workbook to figure up your net worth. Net worth is an excellent way to measure progress.
You need to get out of debt. You know this. Here is a plan to get you there. Use the 'Momentum Method' table in your workbook to chart your course.
|Section 4: Spending, Budgeting, and Behavior, Oh My!|
|Budgeting. To many, it's a bad word. After this lesson, it will be your new reality. Budgeting isn't bad. In fact, it can take your financial life from stressful to calm. Use the Ideal Budget in your workbook to see how your current spending percentages line up with the ideal percentages.|
|Now that you know the importance of budgeting, here is a budgeting trick to get yourself started. It requires a few highlighters, your bank statement, and a calculator. That's it.|
|Section 5: The Relationship Between Spending and Saving|
Not spending money is great, but it isn't the same thing as saving money. In this lesson we'll discuss the difference and how you can correct the problem.
Use the chart in your workbook to figure up your weekly spending average. Then track your weekly spending for the next 9 weeks. Any time you spend less than your spending average make a transfer to your savings account.
|Section 6: Behavior Trumps Math|
Math won't solve all your financial problems. Behavior is the real key. In this lesson we'll go through ways you can fix your financial life in the long-term.
Peter Dunn a.k.a. Pete the Planner® is an award-winning comedian and an award-winning financial mind. He's a USA TODAY columnist and the author of ten books, six of which were featured in a nationwide launch at Barnes & Nobles stores in January of 2015. He is the host of the popular radio show The Pete the Planner Show on 93 WIBC FM and is a columnist for the Indy Star. Pete has appeared regularly on CNN Headline News, Fox News, Fox Business as well as numerous nationally syndicated radio programs. In 2012, Cision named Pete the fourth most influential financial broadcaster in the nation.
You might find Pete carrying a man purse. The truth hurts.