Black and Yellow Minimalist Financial Management Presentation-converted

1. W W W . H A W T H O R N U N I V E R S I T Y . E DU FINANCIAL MANAGEMENT Tips on how to manage your personalfinances

4. TRACK YOUR MONTHLY SPENDING many people do not know how muchthey spend every months for all their expenses (needs &wants)

5. BUDGET YOUR SAVINGS you savings are a Rainy Day Fund, which is important when unforeseen expenses or emergencies arise. Be sure to budget part of your monthly paycheck fordeposit into a savingsaccount.

6. BUDGET YOURSAVINGS ANALYSING YOURBUDGET SAVING OPTIONS MANAGE CASHFLOW INCOME ALLOCATION INTEREST THINGS MONEY MARKET

7. ELIMINATE CREDIT CARDDEBT credit cards can make it easy to pile debt. If your debt addsup faster than you can pay it off,you're likely living beyond yourmeans. Stop using the credit card and pay off existingbalances.

8. MANAGING FINANCES Look at your sources of income and see which are regular, or are earned on a predictable schedule with the value known in advance. A salary or paycheck is a regular source of income. Next, look at your regular expenses – for instance, rent, a mortgage, car payments, or tuition. Take into account irregular expenses like gas and groceries, whose prices fluctuate and are bought on a more or less irregularbasis.

9. BALANCE NECESSITIES DON'T SPOIL YOURSELF BE CONSCIOUS

10. BEWAREOF LITTLE EXPENSES; A SMALLLEAK WILL SINKA GREATSHIP. BenjaminFranklin

11. HAWTHORNUNIVERSITY 7 7 0 - 4 9 4 - 6 7 3 5 | W W W . H A W T H O R N U N I V E R S I T Y . E D U | 7 8 0 - 5 2 4 - 8 7 45

12. THANK YOU!