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2MoneyManagementSkillsMoneyManagementSkillsIdentifythemaincomponentsofwisemoneymanagementCreateapersonalbalancesheetandcashflowstatementDevelopandimplementapersonalbudgetConnectmoneymanagementactivitieswithsavingforpersonalfinancialgoalsChapterObjectivesObjective1:IdentifythemaincomponentsofwisemoneymanagementDailyspendingandsavingdecisionsareatthecenteroffinancialplanning.Decisionsmustbecoordinatedwithyourneeds,goals,andpersonalsituations.Moneymanagementmeanstheday-to-dayfinancialactivitiesnecessarytomanagepersonaleconomicresources,whileworkingtowardlong-termfinancialsecurity.OpportunityCostandMoneyManagementSpendingmoneyoncurrentlivingexpensesreducestheamountyoucansaveandinvest.Savingandinvestingforthefuturereducestheamountyoucanspendnow.Buyingoncredittiesupfutureincome.Usingsavingsforpurchasesresultsinlostinterestandmeanssavingscan’tbeusedforotherpurposes.Comparisonshoppingcansavemoneybuttakesyourvaluabletime.ComponentsofMoneyManagementCreatingandimplementingaplanforspending,

andsaving

(budgeting).Creating

personal

financial

statements

(balance

sheetsand

cashflow

statements

ofincome

andoutflow).Storing

and

maintaining

personal

financial

records

and

documents.BenefitsofanOrganizedSystemofFinancialRecordsHandlingdailybusinessaffairs,includingpaymentofbillsontime.Planningandmeasuringfinancialprogress.Completingrequiredtaxreports.Makingeffectiveinvestmentdecisions.Determiningavailableresourcesforcurrentandfuturebuying.WhattoKeepinYourHomeFileItemsyourefertooften.Personalandemploymentrecords.Moneymanagementrecords.Taxrecords.Financialservicesrecords.Creditrecords.Consumerpurchaseandautorecords.Housingrecords.Insurancerecords.Investmentrecords.Estateplanningandretirementrecords.WhattoKeepinaSafeDepositBoxSafedepositboxisforrecordsanditemsthatwouldbehardtoreplace.Birth,marriageanddeathcertificates.Citizenshipandmilitarypapers.Adoptionandcustodypapers.Serialnumbersandphotosofvaluables.CDsandcreditandbankingaccountnumbers.Mortgagepapersandtitles.Listofinsurancepolicynumbers.Stockandbondcertificates.Coinsandother

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