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Chapter2MoneyManagementSkillsCopyright

?2010byTheMcGraw-HillCompanies,Inc.Allrightsreserved.McGraw-Hill/IrwinChapter2MoneyManagementSkilMoneyManagementSkills

ChapterObjectivesIdentifythemaincomponentsofwise moneymanagementCreateapersonalbalancesheetand cashflowstatementDevelopandimplementapersonal budgetConnectmoneymanagementactivities withsavingforpersonalfinancial goals2-2MoneyManagementSkills

ChapteObjective1

IdentifytheMainComponentsof

WiseMoneyManagementMoneymanagement=day-to-dayfinancialactivitiesnecessarytomanagecurrentpersonaleconomicresources,whileworkingtowardlong-termfinancialsecurityDailyspendingandsavingdecisions=centraltofinancialplanningMustbecoordinatedwithneeds,goals,andpersonalsituations2-3Objective1

IdentifytheMainComponentsofMoneyManagement2-4ComponentsofMoneyManagementMoneyManagementTroubles&DebtGettingoutofdebt:EvaluateyourcreditsituationTrackyourspendingPlantomakepaymentsontimeConsiderotherincomesourcesIfappropriate,seekassistance2-5MoneyManagementTroubles&DeAnOrganizedPersonalFinancialRecordsSystemProvidesabasisfor:Handlingdailybusinessaffairs,suchasbill payingPlanningandmeasuringfinancial progressCompletingrequiredtaxreportsMakingeffectiveinvestmentdecisionsDeterminingavailableresourcesforcurrentandfuturebuying2-6AnOrganizedPersonalFinanciaRecordsinYourHomeFileItemsyourefertooftenPersonalandemploymentrecordsMoneymanagementrecordsTaxrecordsFinancialservicesrecordsCreditrecordsConsumerpurchaseandautorecordsHousingrecordsInsurancerecordsInvestmentrecordsEstateplanningandretirementrecords2-7RecordsinYourHomeFileItemsWhattoKeepinaSafeDepositBoxRecordsanditemsthatwouldbehardtoreplace:Birth,marriageanddeathcertificatesListofchecking,savingsandfinancialinstitutionaccountnumbersCitizenshipandmilitarypapersAdoptionandcustodypapersSerialnumbersandphotosofvaluablesCDsandcreditandbankingaccountnumbersMortgagepapersandtitlesListofinsurancepolicynumbersStockandbondcertificatesCoinsandother

collectiblesCopyofwill2-8WhattoKeepinaSafeDepositRecordsonYourPersonalComputer*CurrentandpastbudgetsSummaryofcheckswrittenandotherbankingtransactionsPastincometaxreturnspreparedwithtaxpreparationsoftwareAccountsummariesandinvestmentperformanceresultsComputerizedversionsofwills,

estateplans,andotherdocuments*Keepabackup!2-9RecordsonYourPersonalCompuHowLongtoKeepRecordsRecordsRetentionPeriodBirthcertificates,willsandsocialsecurityinformationIndefinitelyPersonalpropertyandinvestmentsAslongasyouownthemDocumentsre:purchaseandsaleofrealestateIndefinitelyCopiesoftaxreturnsandsupportingdata7yearsminimum10yearsbetter2-10HowLongtoKeepRecordsRecordObjective2

CreateaPersonalBalanceSheet

andCashFlowStatementBenefitsRecapyourcurrentfinancialpositioninrelationtothevalueofitemsyouownandamountsyouoweMeasureprogresstowardfinancialgoalsMaintaininformationonfinancialactivitiesProvideinformationforpreparingtaxformsorapplyingforcredit2-11Objective2

CreateaPersonalBalanceSheetAfinancialstatementthatreportswhatanindividualorfamilyownsandowesasofaspecificdate:Alsocalled:Networth

statement

StatementoffinancialpositionItemsofValue(whatyouown)-Amountsowed(whatyouowe)NetWorth(yourwealth)=2-12BalanceSheetAfinancialstateComponentsofaBalanceSheetStep1–ListitemsofvalueLiquidassetsRealestatePersonalpossessionsInvestmentassetsStep2–DetermineamountsowedCurrentliabilities(<1year)LongtermliabilitiesStep3-Computeyournetworth.2-13ComponentsofaBalanceSheetSNetWorthAssets-Liabilities=NetWorthMeasurementofcurrentfinancialpositionNetworth≠cashavailableInsolvency:InabilitytopaydebtswhendueLiabilitiesfarexceedassets2-14NetWorthAssets-LiabilitiesSampleBalanceSheet2-15SampleBalanceSheet2-15WaystoIncreaseNetWorthIncreaseyoursavingsReducespendingIncreasethevalueofinvestmentsandotherpossessionsReduceamountsowed2-16WaystoIncreaseNetWorthIncrEvaluatingFinancialProgress

Ratios2-17EvaluatingFinancialProgress

TheCashFlowStatement

InflowsandOutflowsCashflowstatement=personalincomeandexpenditurestatementSummaryofcashreceiptsandpaymentsforagivenperiodTotalcashreceivedduringthetimeperiod-CashoutlaysduringthetimeperiodCashsurplusordeficit=2-18TheCashFlowStatement

InflowTheCashFlowStatement

InflowsandOutflowsStep1-RecordIncomeNetincomefromemployment(NetPay)SavingsandinvestmentincomeOthersourcesStep2-RecordcashoutflowsFixedandvariableexpensesStep3-DetermineNetCashFlowUsethisstatementasabasisforcreatingaspending,savingandinvestmentplan2-19TheCashFlowStatement

InflowSampleCashFlowStatement2-20SampleCashFlowStatement2-20Objective3

DevelopandImplementaPersonalBudget

Budget=spendingplanHelpsyou:LivewithinyourincomeSpendmoneywiselyReachfinancialgoalsPrepareforfinancialemergenciesDevelopwisefinancialmanagementhabits2-21Objective3

DevelopandImplemThe7StepsinBudgetingProcessSetfinancialgoalsEstimateincomefromallsourcesBudgetanEmergencyFundandSavingsBudgetFixedExpensesBudgetVariableExpensesRecordSpendingAmountsReviewSpendingandSavingPatternsReviewfinancialprogressRevisegoalsandbudgetallocations2-22The7StepsinBudgetingProce2-232-23TypicalBudgetAllocations2-24TypicalBudgetAllocations2-24CharacteristicsofaSuccessfulBudgetWellplannedRealisticFlexibleClearlycommunicated2-25CharacteristicsofaSuccessfuBudgetingSystemsMentalbudgetAppropriateiffinancialresourcesandresponsibilitiesarelimitedPhysicalBudgetEnvelopes,foldersorcontainersWrittenBudgetOnnotebookpaperComputerizedBudgetSpreadsheetorspecializedsoftware2-26BudgetingSystemsMentalbudgetObjective4

ConnectMoneyManagementActivitieswithSavingsforPersonalFinancialGoalsYourBalanceSheet:SnapshotofwhereyouarenowYourCashFlowStatement:WhatyoureceivedandspentoveraspecificperiodYourBudget:

Planningspendingandsavingtoachievefinancialgoals2-27Objective4

ConnectMoneyManaChangesinNetWorthChangesinNetWorthresultfromcashinflowsandoutflows.Outflows>Inflows

DrawfromsavingsorborrowProblem/Result:LowerassetsorhigherliabilitiesInflows>OutflowsPutmoneyintosavingsorpayoffdebtsResult:Highernetworth2-28ChangesinNetWorthChangesinSelectingaSavingTechniqueWriteacheckeachpaydayanddeposit

inasavingsaccountUsepayrolldeductiontodepositacertainamountinsavings(directdeposit)Savecoinsorspendlessoncertainitems2-29SelectingaSavingTechniqueWrCalculatingSavingsAmountsConvertsavingsgoalsintospecificamountsUsesavingsandinvestmentsplanstogrowyourmoneyUsetimevalueofmoneytocalculateprogresstowardfinancialgoals2-30CalculatingSavingsAmountsConUsingSavingstoAchieveFinancialGoals2-31UsingSavingstoAchieveFinanChapter2MoneyManagementSkillsCopyright

?2010byTheMcGraw-HillCompanies,Inc.Allrightsreserved.McGraw-Hill/IrwinChapter2MoneyManagementSkilMoneyManagementSkills

ChapterObjectivesIdentifythemaincomponentsofwise moneymanagementCreateapersonalbalancesheetand cashflowstatementDevelopandimplementapersonal budgetConnectmoneymanagementactivities withsavingforpersonalfinancial goals2-33MoneyManagementSkills

ChapteObjective1

IdentifytheMainComponentsof

WiseMoneyManagementMoneymanagement=day-to-dayfinancialactivitiesnecessarytomanagecurrentpersonaleconomicresources,whileworkingtowardlong-termfinancialsecurityDailyspendingandsavingdecisions=centraltofinancialplanningMustbecoordinatedwithneeds,goals,andpersonalsituations2-34Objective1

IdentifytheMainComponentsofMoneyManagement2-35ComponentsofMoneyManagementMoneyManagementTroubles&DebtGettingoutofdebt:EvaluateyourcreditsituationTrackyourspendingPlantomakepaymentsontimeConsiderotherincomesourcesIfappropriate,seekassistance2-36MoneyManagementTroubles&DeAnOrganizedPersonalFinancialRecordsSystemProvidesabasisfor:Handlingdailybusinessaffairs,suchasbill payingPlanningandmeasuringfinancial progressCompletingrequiredtaxreportsMakingeffectiveinvestmentdecisionsDeterminingavailableresourcesforcurrentandfuturebuying2-37AnOrganizedPersonalFinanciaRecordsinYourHomeFileItemsyourefertooftenPersonalandemploymentrecordsMoneymanagementrecordsTaxrecordsFinancialservicesrecordsCreditrecordsConsumerpurchaseandautorecordsHousingrecordsInsurancerecordsInvestmentrecordsEstateplanningandretirementrecords2-38RecordsinYourHomeFileItemsWhattoKeepinaSafeDepositBoxRecordsanditemsthatwouldbehardtoreplace:Birth,marriageanddeathcertificatesListofchecking,savingsandfinancialinstitutionaccountnumbersCitizenshipandmilitarypapersAdoptionandcustodypapersSerialnumbersandphotosofvaluablesCDsandcreditandbankingaccountnumbersMortgagepapersandtitlesListofinsurancepolicynumbersStockandbondcertificatesCoinsandother

collectiblesCopyofwill2-39WhattoKeepinaSafeDepositRecordsonYourPersonalComputer*CurrentandpastbudgetsSummaryofcheckswrittenandotherbankingtransactionsPastincometaxreturnspreparedwithtaxpreparationsoftwareAccountsummariesandinvestmentperformanceresultsComputerizedversionsofwills,

estateplans,andotherdocuments*Keepabackup!2-40RecordsonYourPersonalCompuHowLongtoKeepRecordsRecordsRetentionPeriodBirthcertificates,willsandsocialsecurityinformationIndefinitelyPersonalpropertyandinvestmentsAslongasyouownthemDocumentsre:purchaseandsaleofrealestateIndefinitelyCopiesoftaxreturnsandsupportingdata7yearsminimum10yearsbetter2-41HowLongtoKeepRecordsRecordObjective2

CreateaPersonalBalanceSheet

andCashFlowStatementBenefitsRecapyourcurrentfinancialpositioninrelationtothevalueofitemsyouownandamountsyouoweMeasureprogresstowardfinancialgoalsMaintaininformationonfinancialactivitiesProvideinformationforpreparingtaxformsorapplyingforcredit2-42Objective2

CreateaPersonalBalanceSheetAfinancialstatementthatreportswhatanindividualorfamilyownsandowesasofaspecificdate:Alsocalled:Networth

statement

StatementoffinancialpositionItemsofValue(whatyouown)-Amountsowed(whatyouowe)NetWorth(yourwealth)=2-43BalanceSheetAfinancialstateComponentsofaBalanceSheetStep1–ListitemsofvalueLiquidassetsRealestatePersonalpossessionsInvestmentassetsStep2–DetermineamountsowedCurrentliabilities(<1year)LongtermliabilitiesStep3-Computeyournetworth.2-44ComponentsofaBalanceSheetSNetWorthAssets-Liabilities=NetWorthMeasurementofcurrentfinancialpositionNetworth≠cashavailableInsolvency:InabilitytopaydebtswhendueLiabilitiesfarexceedassets2-45NetWorthAssets-LiabilitiesSampleBalanceSheet2-46SampleBalanceSheet2-15WaystoIncreaseNetWorthIncreaseyoursavingsReducespendingIncreasethevalueofinvestmentsandotherpossessionsReduceamountsowed2-47WaystoIncreaseNetWorthIncrEvaluatingFinancialProgress

Ratios2-48EvaluatingFinancialProgress

TheCashFlowStatement

InflowsandOutflowsCashflowstatement=personalincomeandexpenditurestatementSummaryofcashreceiptsandpaymentsforagivenperiodTotalcashreceivedduringthetimeperiod-CashoutlaysduringthetimeperiodCashsurplusordeficit=2-49TheCashFlowStatement

InflowTheCashFlowStatement

InflowsandOutflowsStep1-RecordIncomeNetincomefromemployment(NetPay)SavingsandinvestmentincomeOthersourcesStep2-RecordcashoutflowsFixedandvariableexpensesStep3-DetermineNetCashFlowUsethisstatementasabasisforcreatingaspending,savingandinvestmentplan2-50TheCashFlowStatement

InflowSampleCashFlowStatement2-51SampleCashFlowStatement2-20Objective3

DevelopandImplementaPersonalBudget

Budget=spendingplanHelpsyou:LivewithinyourincomeSpendmoneywiselyReachfinancialgoalsPrepareforfinancialemergenciesDevelopwisefinancialmanagementhabits2-52Objective3

DevelopandImplemThe7StepsinBudgetingProcessSetfinancialgoalsEstimateincomefromallsourcesBudgetanEmergencyFundandSavingsBudgetFixedExpensesBudgetVariableExpensesRecordSpendingAmountsReviewSpendingandSavingPatternsReviewfinancialprogressRevisegoalsandbudgetallocations2-53The7StepsinBudgetingProce2-542-23TypicalBudgetAllocations2-55TypicalBudgetAllocations2-24CharacteristicsofaSuccessfulBudgetWellplannedRealisticFlexibleClearlycommun

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