credit cards

Increasing Income Tips
view below

Notes:
developing a budget

Notes:
preventing ID theft

LOWER YOUR MONTHLY BILLS

	Lower Your Monthly Housing Costs mortgage refinancing - rent - taxes - utilities - home repairs, cooling		Lower Your Transportation Costs auto loan refinancing - auto insurance - fuel costs - repairs - transportation use
	Lower Your Family Care Costs insurance needs - medical visits - vet expenses - medications - care facilities		Lower Your Family Living Costs food shopping - general groceries - clothing costs - baby care / feeding costs
	Lower Your Recreation Costs cutting recreation costs - dining in - personal movie house - vacation costs		Manage Your Debt Obligations credit card payments - student loans - personal loans - charitable donations
	Manage and Grow Your Income career plans - back to school plans - small business opportunities		Setting Up a Savings Plan personal savings - college savings - saving for a home - retirement savings
	Navigate Our Planning Centers going to college - home buying - home building - home improvement - more		Monthly Budget Worksheet budget planning - summary analysis - debt ratios - percentage guides

Lowering Monthly Bills
see above

Notes:
developing a budget

Notes:
preventing ID theft

TIPS ON INCREASING YOUR INCOME