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2-8
Records on Your Personal Computer*
• Current and past budgets • Summary of checks written and other
banking transactions • Past income tax returns prepared with tax
• Items you refer to often
– Personal and employment records – Money management records – Tax records – Financial services records – Credit records – Consumer purchase and auto records – Housing records – Insurance records – Investment records – Estate planning and retirement records
• Daily spending and saving decisions = central to financial planning
– Must be coordinated with needs, goals, and personal situations
2-3
Components of Money Management
1. Identify the main components of wise money management
2. Create a personal balance sheet and cash flow statement
3. Develop and implement a personal budget
2-9
How Long to Keep Records
Records
Birth certificates, wills and social security information
2-7
What to Keep in a Safe Deposit Box
• Records and items that would be hard to replace:
– Birth, marriage and death certificates – List of checking, savings and financial institution
account numbers – Citizenship and military papers – Adoption and custody papers – Serial numbers and photos of valuables – CDs and credit and banking account numbers – Mortgage papers and titles – List of insurance policy numbers – Stock and bond certificates – Coins and other collectibles – Copy of will
• Completing required tax reports • Making eFra Baidu bibliotekfective investment decisions • Determining available resources for
current and future buying
2-6
Records in Your Home File
Chapter 2
Money Management Skills
McGraw-Hill/Irwin
Copyright © 2010 by The McGraw-Hill Companies, Inc. All rights reserved.
Money Management Skills
Chapter Objectives
2-4
Money Management Troubles & Debt
• Getting out of debt: –Evaluate your credit situation –Track your spending –Plan to make payments on time –Consider other income sources –If appropriate, seek assistance
preparation software • Account summaries and investment
performance results • Computerized versions of wills,
estate plans, and other documents
* Keep a backup!
2-5
An Organized Personal Financial Records System
Provides a basis for:
• Handling daily business affairs, such as bill paying
• Planning and measuring financial progress
4. Connect money management activities with saving for personal financial goals
2-2
Objective 1
Identify the Main Components of Wise Money Management
• Money management = day-to-day financial activities necessary to manage current personal economic resources, while working toward long-term financial security
Records on Your Personal Computer*
• Current and past budgets • Summary of checks written and other
banking transactions • Past income tax returns prepared with tax
• Items you refer to often
– Personal and employment records – Money management records – Tax records – Financial services records – Credit records – Consumer purchase and auto records – Housing records – Insurance records – Investment records – Estate planning and retirement records
• Daily spending and saving decisions = central to financial planning
– Must be coordinated with needs, goals, and personal situations
2-3
Components of Money Management
1. Identify the main components of wise money management
2. Create a personal balance sheet and cash flow statement
3. Develop and implement a personal budget
2-9
How Long to Keep Records
Records
Birth certificates, wills and social security information
2-7
What to Keep in a Safe Deposit Box
• Records and items that would be hard to replace:
– Birth, marriage and death certificates – List of checking, savings and financial institution
account numbers – Citizenship and military papers – Adoption and custody papers – Serial numbers and photos of valuables – CDs and credit and banking account numbers – Mortgage papers and titles – List of insurance policy numbers – Stock and bond certificates – Coins and other collectibles – Copy of will
• Completing required tax reports • Making eFra Baidu bibliotekfective investment decisions • Determining available resources for
current and future buying
2-6
Records in Your Home File
Chapter 2
Money Management Skills
McGraw-Hill/Irwin
Copyright © 2010 by The McGraw-Hill Companies, Inc. All rights reserved.
Money Management Skills
Chapter Objectives
2-4
Money Management Troubles & Debt
• Getting out of debt: –Evaluate your credit situation –Track your spending –Plan to make payments on time –Consider other income sources –If appropriate, seek assistance
preparation software • Account summaries and investment
performance results • Computerized versions of wills,
estate plans, and other documents
* Keep a backup!
2-5
An Organized Personal Financial Records System
Provides a basis for:
• Handling daily business affairs, such as bill paying
• Planning and measuring financial progress
4. Connect money management activities with saving for personal financial goals
2-2
Objective 1
Identify the Main Components of Wise Money Management
• Money management = day-to-day financial activities necessary to manage current personal economic resources, while working toward long-term financial security