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8665 Gibbs Drive, Suite 100
                                                                     San Diego, CA 92123
Spring Valley Middle School Girls Conference 2011                    Phone: 888-686-4040
                                                                     DebtWave.com
                                                                          Find us on Facebook!




    How to Manage Your Personal Finances to Become A Millionaire


Financial Goal: something you planned for that will happen in your future.

   •   Be realistic
   •   Establish time frames
   •   Devise an “action” plan
   •   Be flexible: goals can change


My short-term goals (under 3 years):
   1. _____________________________________________________________________________
       _____________________________________________________________________________
   2. _____________________________________________________________________________
       _____________________________________________________________________________
   3. _____________________________________________________________________________
       _____________________________________________________________________________



My long-term goals (over 3 years):
   1. _____________________________________________________________________________
       _____________________________________________________________________________
   2. _____________________________________________________________________________
       _____________________________________________________________________________
   3. _____________________________________________________________________________
       _____________________________________________________________________________
8665 Gibbs Drive, Suite 100
                                                                             San Diego, CA 92123
  Spring Valley Middle School Girls Conference 2011                          Phone: 888-686-4040
                                                                             DebtWave.com
                                                                                  Find us on Facebook!



                   The Money Diary: A tool to help you achieve your financial goals.

                                        How are you spending your money?


                                                                                                     Write Down:

Write Down:                                                                                          Where you spent
                                                                                                     your money and
All the money
                                Income                              Expenses                          why you spent it
that comes in
during a week or                Allowance                       Money I owe
month and                     Part-time job                  Money put into savings
where it comes               Debt owed to me                    (paying yourself first!)
from                           Gift Money                      Food/snacks for school
                                                                      Clothes                              Evaluate:
                                                                   Cell phone bill
                                                                   iTunes music                            How much do you
              Part-Time Jobs:                                   Weekend Activities                         want to spend on
                                                              (movies or meals with friends)               items?
              Babysitter
                                                               Food/snacks/sodas for
              Clothing store                                                                               Can you cut back
                                                                      school
              Helping family business                                                                      on anything?
              Allowance for chores



                                   Daily Money Diary Template
              DATE                               ITEM                                 COST




                                Can you tell the difference?
8665 Gibbs Drive, Suite 100
                                                                            San Diego, CA 92123
Spring Valley Middle School Girls Conference 2011                           Phone: 888-686-4040
                                                                            DebtWave.com
                                                                                 Find us on Facebook!




                                   Debit Cards -vs- Credit Cards
                  DEBIT CARDS                                          CREDIT CARDS
      Linked to bank account, similar to cash               NOT linked to bank account, it’s a loan
FREE to receive card with certain checking accounts      FREE to receive card BUT must be accepted
                                                               Takes money to borrow money:
         Like using cash: NO interest rate
                                                       ALWAYS has an interest rate, increases anytime
 Declined if you do not have enough $ in account              Credit limit provided by company
                                                        Late payment fees, annual fees, over the limit
                  Overdraft fees
                                                                               fees
May be hard to get your money back if lost or stolen       Safe if lost or stolen: best to use online!
ATM Fees or use at bank’s ATM to take out cash for        Can take cash out of ATM but it’s REALLY
                      FREE                                                  EXPENSIVE
                                                                          Never do this!
NOT accepted everywhere: car rentals, hotel rooms      Accepted by businesses that don’t accept debit
Online or paper account activity statement received       Online or paper statement (bill) received
                   every 30 days                                 every 28 days (billing cycle)
            Does NOT help build credit                 Helps build credit: easier to buy a house/get car
8665 Gibbs Drive, Suite 100
                                                    San Diego, CA 92123
Spring Valley Middle School Girls Conference 2011   Phone: 888-686-4040
                                                    DebtWave.com
                                                         Find us on Facebook!
8665 Gibbs Drive, Suite 100
                                                                           San Diego, CA 92123
Spring Valley Middle School Girls Conference 2011                          Phone: 888-686-4040
                                                                           DebtWave.com
                                                                                Find us on Facebook!




                       Presentation Evaluation Form
                                                    How to Manage Your Personal Finances to
           Wendy Ullman                                Become A Millionaire
Presenter: _______________________ Topic: _________________________
                       Friday 2/25/11
Date of Presentation: __________

Circle the choice that best matches how you feel about the presentation.

   1. The content of the presentation was useful and informative.

       Strongly Agree          Agree            Neutral                 Disagree
       Strongly Disagree

   2. The presenter was knowledgeable of the financial topics discussed.

       Strongly Agree          Agree            Neutral                 Disagree
       Strongly Disagree

   3. The information was easy to understand.

       Strongly Agree          Agree            Neutral                 Disagree
       Strongly Disagree
8665 Gibbs Drive, Suite 100
                                                                         San Diego, CA 92123
Spring Valley Middle School Girls Conference 2011                        Phone: 888-686-4040
                                                                         DebtWave.com
                                                                              Find us on Facebook!

   4. Based on the information presented today, I learned something new that will help me improve
      my current financial situation.

       Strongly Agree          Agree           Neutral                Disagree
       Strongly Disagree

Comments or suggestions?




Need more help? Request to speak with a
  Certified Credit Counselor (Optional)

Name: __________________________________                 Sign up to be our fan on Facebook! (Optional)
Phone Number: __________________________
                                                         Name:____________________________
Alt Phone Number: _______________________
                                                         Email:____________________________
Email: _________________________________

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Spring Valley Girls Conference Workbook

  • 1. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! How to Manage Your Personal Finances to Become A Millionaire Financial Goal: something you planned for that will happen in your future. • Be realistic • Establish time frames • Devise an “action” plan • Be flexible: goals can change My short-term goals (under 3 years): 1. _____________________________________________________________________________ _____________________________________________________________________________ 2. _____________________________________________________________________________ _____________________________________________________________________________ 3. _____________________________________________________________________________ _____________________________________________________________________________ My long-term goals (over 3 years): 1. _____________________________________________________________________________ _____________________________________________________________________________ 2. _____________________________________________________________________________ _____________________________________________________________________________ 3. _____________________________________________________________________________ _____________________________________________________________________________
  • 2. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! The Money Diary: A tool to help you achieve your financial goals. How are you spending your money? Write Down: Write Down: Where you spent your money and All the money Income Expenses why you spent it that comes in during a week or Allowance Money I owe month and Part-time job Money put into savings where it comes Debt owed to me (paying yourself first!) from Gift Money Food/snacks for school Clothes Evaluate: Cell phone bill iTunes music How much do you Part-Time Jobs: Weekend Activities want to spend on (movies or meals with friends) items? Babysitter Food/snacks/sodas for Clothing store Can you cut back school Helping family business on anything? Allowance for chores Daily Money Diary Template DATE ITEM COST Can you tell the difference?
  • 3. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! Debit Cards -vs- Credit Cards DEBIT CARDS CREDIT CARDS Linked to bank account, similar to cash NOT linked to bank account, it’s a loan FREE to receive card with certain checking accounts FREE to receive card BUT must be accepted Takes money to borrow money: Like using cash: NO interest rate ALWAYS has an interest rate, increases anytime Declined if you do not have enough $ in account Credit limit provided by company Late payment fees, annual fees, over the limit Overdraft fees fees May be hard to get your money back if lost or stolen Safe if lost or stolen: best to use online! ATM Fees or use at bank’s ATM to take out cash for Can take cash out of ATM but it’s REALLY FREE EXPENSIVE Never do this! NOT accepted everywhere: car rentals, hotel rooms Accepted by businesses that don’t accept debit Online or paper account activity statement received Online or paper statement (bill) received every 30 days every 28 days (billing cycle) Does NOT help build credit Helps build credit: easier to buy a house/get car
  • 4. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook!
  • 5. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! Presentation Evaluation Form How to Manage Your Personal Finances to Wendy Ullman Become A Millionaire Presenter: _______________________ Topic: _________________________ Friday 2/25/11 Date of Presentation: __________ Circle the choice that best matches how you feel about the presentation. 1. The content of the presentation was useful and informative. Strongly Agree Agree Neutral Disagree Strongly Disagree 2. The presenter was knowledgeable of the financial topics discussed. Strongly Agree Agree Neutral Disagree Strongly Disagree 3. The information was easy to understand. Strongly Agree Agree Neutral Disagree Strongly Disagree
  • 6. 8665 Gibbs Drive, Suite 100 San Diego, CA 92123 Spring Valley Middle School Girls Conference 2011 Phone: 888-686-4040 DebtWave.com Find us on Facebook! 4. Based on the information presented today, I learned something new that will help me improve my current financial situation. Strongly Agree Agree Neutral Disagree Strongly Disagree Comments or suggestions? Need more help? Request to speak with a Certified Credit Counselor (Optional) Name: __________________________________ Sign up to be our fan on Facebook! (Optional) Phone Number: __________________________ Name:____________________________ Alt Phone Number: _______________________ Email:____________________________ Email: _________________________________