Guide – MoneySmart Walk-Through

The chapter walk-throughs can be taken a la carte (only as needed), or purchased as a group at a discount.  Consider this series as a supplement to the MoneySmart book where additional clarification or help is needed beyond the written chapter guide and instructions.  The chapter walk-through also serves well to target and solve one specific money management issue.

Course Video Sample

video

MoneySmart Personal Finance Solutions
All (10) Walk-through Chapters; discounted
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PENDING - available as all 10 Guides are available.

MoneySmart Personal Finance Solutions

Chapter by chapter...

Chapters 1, 5, & 10 - combined.
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Ch1 - Monthly Cash Flow allows you to track your activities with money so that you can see patterns and habits.
Ch5 - Multiple Income Annual reviews your annual multi-income and expense numbers so that you can balance your activities or supply your accountant or tax preparer with a simple one-sheet report.
Ch10 - Pie Charts introduces simple instructions to turn financial information into a visual chart so that financial information is more easily conceptualized.  Simple mathematics are also reviewed such as calculating a percentage against a standard or calculating an average.

Chapter 2 - Monthly Budget
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An organized, one-page sheet that simplifies the process of monitoring your income and expenses so that you can be more efficient, and have more money to work with.  When you can see your finance situation in front of you on one page, you can make better decisions.  When you make better decisions, you have more money!

Chapter 3 - Financial Goals
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This simple one-page worksheet breaks the process of using your own money to achieve lofty, even very lofty financial goals.  Amazing things are possible when you know what factors control the process.  The basis of money management and wealth is to guide your financial power toward the goals and targets that you have decided are most important.  When you can do that efficiently, then there are more resources, or more money, to either support other goals or to achieve the goals that you have selected even faster!

Chapter 4 - Multiple Income Monthly
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With several jobs or business interests it can be helpful to look at income sources on one simple sheet.  There are spaces for averages, high points, and reserves so that your information can take the shape of a working plan without additional efforts.

This sheet was created for a student that insisted she couldn't run a monthly budget because most of her cash flow came as tips and was therefore unpredictable.  This exercise helped he see her income objectively so that she could make decisions with the greatest benefit.

Chapter 6 - Savings Allocation
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Once a saver has outlined several financial goals, as in Chapter 3, money accumulating in one account like a savings account, can become lost and be spent without seeing how much money serves each goal.  This sheet introduces allocations or connects one portion of your savings to it's goal so that you can easily update your records, see which money has a purpose, and which money is available for another plan!

Chapter 7 - Where to Find More Money
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One of the more challenging aspects of getting ahead is to find the funding to make your plans possible.  As discussed in my Personal Finance Course, increasing your available discretionary income only has two general answers.  This chapter provides the structure of self-analysis for one path, while providing ideas and inspiration for the other.

Chapter 8 - How to Reduce Your Debt Load
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Many people get to a point where they realize managing and reducing their debt has become a necessity.  This presentation walks the viewer through the effects of debt and the factors that empower debt to take more money from you.  The organizational tools in Chapter 8 allow you to collect the most useful information onto one page, to see the factors objectively, and develop an effective plan hopefully without having to sign-over accounts or take out loans.

Chapter 9 - How & Why to Manage Your Credit Score
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This presentation considers the common habits tracked and reviewed by the credit rating agencies and presents the simple habits that you can employ to correct or drive up your credit score.  Positive credit reports and your good credit scores literally manifest as money in your pocket!

Credit scores and ratings are used for many purposes today beyond loan or purchase approval.  Many employers are employing a personal credit check as insight into the character and trust that they can associate with a new hire.  Housing, rentals, and even the insurance industry will include credit records as a risk indicator.

Chapter 11 - The Nature of Money
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A discussion of the concept of money, how it is used, what purpose it serves, and looking forward: how to protect yourself from the fallout of the mistakes and heresies committed by those that manage the monetary system.  The use of currency in trade has become so common that many people still don't question its validity.  Increasingly, as more and more financial problems surface in relation to our monetary system, many are beginning to question how sustainable a currency backed by nothing more than a promise might be.

Chapter 12 - Investment Position Worksheet
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This presentation walks the user of Chapter 12 through the organization, information, and calculations common to investments on the one-page worksheet in the MoneySmart Solutions book.

Cost basis, return on investment, annual percentage yield; all terms and concepts with which the average person doesn't come into contact until they take an interest in growing savings into long-term wealth.  Whether for retirement, family, or personal interest, growing your savings into wealth needs both a context and a vocabulary with which to connect the next step in your education.