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Cooperative Extension Service |
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Agricultural
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4-H Programs
Life Skills
Evaluation
Dale Bumpers College
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2001 Volunteer Leader Training Guide
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| Sunday | Monday | Tuesday | Wednesday | Thursday | Friday | Saturday |
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| 1 Payday! Learn the first rule of saving. Pay yourself first. Start making a savings payment. | 2 Name your financial goals. Make a priority list. How much will each cost? | 3 Do you have a budget? If not, start one now. Review each month or two. Keep it up-to-date. | ||||
| 4 Change the oil in your car. A new engine is an expense you don’t need. | 5 Plan a don’t spend on any new items month if you know you can’t make it until next payday. | 6 ___ days until Christmas. Budget for gifts. Start shopping for the best values. | 7 Get a copy of your credit report, if you want to buy a car or house in a few months. | 8 Trim variable expenses. Review phone and cable bills. Do you really need call waiting? | 9 Cut your meal cost in half. Do you really need to eat out? | 10 Make some extra cash by having a yard sale. One person’s trash is another’s treasure! |
| 11 Start a vacation fund for next summer. Put some fun in your savings. | 12 Keep credit and ATM cards safe. Make a list of account numbers and emergency 800 numbers. | 13 Start a piggy bank. Save all coins each day. Use for a spending goal or emergency. | 14 Make a spending calendar for periodic expenses. How much should you hold back each month to pay these variable expenses? | 15 Paying only the minimum on a credit card is costly! Ask your county Extension office about Power Payments. | 16 Keep your cars for 10 years rather than trading every 3 and save $100,000 in your working life! | 17 Don’t give Uncle Sam an interest-free loan. If you expect a big refund, reduce your salary withholding. |
| 18 Before going to the video or book store, check out what’s available for free at the local library! | 19 Add your savings for emergency use. Do you have enough to cover a 6- to 12-week layoff? | 20 What’s the interest rate on your credit cards? Shop around for a lower rate card. | 21 Consider a mutual fund as a saving option. Look for one without commission fees. | 22 Bank account charges vary a lot from bank to bank. Shop around for one with no or low fees. | 23 Save on baby sitting by starting a baby sitting co-op. | 24 Instead of going out to eat, plan a potluck supper with friends. |
| 25 Feeding the ducks or a picnic in the park is a fun, low cost weekend entertainment. | 26 Make money management a family affair. Talk about financial goals and priorities. | 27 Reduce fuel bills. Raise the thermostat in the summer; lower it in the winter. | 28 No money left? Plan next month’s spending before you cash your next paycheck. |
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© 2006 |
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University of Arkansas • Division of Agriculture |
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