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Saving More, Spending LessWorkbook by Isabel Freitas of Family Life Blog

31 Pages

PURPOSE:Tired of watching your money vanish every month? This workbook will help you build an action plan to attack your expenses and lower them like never before!

WORKSHEETS INCLUDED• Budget planner.• Complete financial makeover action plan.

• Spending questionnaire and spending less action plan.• Final action plan.

DON’T MISS…• Worksheets (see above list).• Recommended resources.

• Additional family life and home freebies!

QUOTE:“I want you to enjoy your income and make the most of it, because the truth is, how much you make doesn’t matter at all if you don’t know how to manage it. You could make millions of dollars and still get to the end of the month with nothing if you’re not smart about it. So friend, don’t give up just yet. Put the plan into action and reap the fruits of your work!”

OVERVIEW:

Day 1 - Creating Your Budget• Write down all income streams.• Write down all expenses w/bills.

• Write down all other monthly expenses.

Day 2 - Spending Less: Complete Financial Makeover• Bills=mortgage payment, car insurance, electricity, etc.• Variable expenses=food, clothing, etc.

• Consider downsizing housing/vehicle.

Day 3 - Spending Less: Lowering One Expense at a Time• See if you’re getting the best bang for your buck at companies.• Think about if you really need services you’re paying for.• How much do you spend on groceries, food/entertainment, clothing, and other items?

SAMPLE

The Financial Renovation

Module 2

Your Money Flow Center• Decide that you’ll make your financial future a top

priority.• Create a designated money flow center in your home.

Insurance• Would your loved ones be taken care of if something

happened to you?• Generally, get about 10x your annual earnings (if you’re a

middle-aged working person).

• Get term insurance.• Use an independent insurance agent.

Wills• Decide how assets will be split/who will care for kids. • This is higher priority than paying down debt!

The Financial Bucketlist• Budgeting/paying off debt won’t work until the people

who share the bank account agree.• This is about solutions, not attacking the other person!• If you’re single, accountability is key.

All About Your Credit Score• Check your credit score to make sure it’s accurate and to

see how many open lines of credit you have.• Keep a credit card if you don’t have an emergency fund

yet.

Module 3

Needs vs. Wants• Need=Something necessary for survival.• Want=Something desired, but not necessary.

• Are any wants disguising themselves as needs?

How to Do a Spending Review1. Organize ALL expenses into categories.2. Calculate category totals.

How to Set Up a Preliminary Budget1. Fill in your planner or spreadsheet.2. Plan a Budget Night to plan your budget together.

How to Budget with Irregular Income1. Budget prospectively and estimate conservatively.2. Build a buffer equal to 25% of monthly expenses.3. Build an emergency fund between $500-$1,500.4. Finish building buffer to 100% of monthly expenses.5. Be wise with extra income in the big months.6. Make more money. (Start thinking like an entrepreneur.)

SAMPLE

How to Be Frugal A Guided 10-Unit Course That Will Teach You How to Be

Frugal Online, In the Store, & In Your Home

eCourse by Jennifer Roskamp of The Intentional Mom10 Modules

PURPOSE:Completely self-paced, this eCourse teaches you how to be frugal by creating a budget, feeding your family frugally, shopping smart online and in the store, using coupons, and much more!

QUICK TIP:Want to live frugal? You must make a commitment. This commitment will keep you focused!

DON’T MISS…• Downloadable worksheets for implementing lessons.• Money-saving resources mentioned in the course.

• Additional links for learning more.

QUOTE:“Before you let the word budget conjure up a bunch of negative images in your mind, let me explain what a budget is in its simplest form: A budget is a basic accounting system to log what money comes in and what money goes out of your family income every month…. However, a budget is a necessary, perhaps even the most necessary ingredient when it comes to taking control of your finances so that they can work for you rather than against you.”

OVERVIEW:

Unit One

Laying the Groundwork• Use Envelope System and cash.• Create emergency fund.

• Start saving.

How to Be Frugal in the Kitchen

Avoid convenience foods.1. Prepare one-pot meals.2. Serve foods buffet style.3. Be generous with vegetables while holding back meat.4. Stretch things with beans/rice.

5. Change how you see protein.6. Eat healthy, hearty breakfast.7. Cook/bake from scratch/in bulk.8. Choose recipes wisely.

SAMPLE