1. Budget Busters Tips for Managing Money

2. Internet Tips • Leasing a car • Purse and shoe obsession • Financing a car • Making minimum payments on a credit card • Going for the latest gadgets • Expensive hobbies • Loaning to family and friends • Supersizing stuff • Lottery • Rent-to own contracts

3. Crown Financial Concepts • Spend less than 40% on housing expenses • Don’t finance closing cost • Plan and stick with written weekly menus • Don’t shop when hungry or hurried • Buy Quality used cars you can afford • Drop collision insurance • Buy with cash • Don’t borrow to entertain yourself

4. Crown concluded • Vacation in the offseason • Select home washable fabrics and outfits that can be used in multiple combinations • Medical prevention is cheaper than treatment • Good diet, rest, and exercise • Ask doctors and dentists for costs in advance • Use payroll deductions for savings

5. Ajo’s Students • Coffee shops everyday – gas stations charge .99c, home brew is just pennies a cup. • Unwanted pregnancies and other social choice consequences. • Girlfriends! • Buying upgrades just to be first or cool. • Bottled water • Disposables – plates, utensils, napkins, diapers • Tobacco products • Brand names • Eating out • Christmas presents • Purchasing without doing the “homework” • Nails, hair, and tanning

6. Testa’s Ideas • Buy in bulk if you can keep it • Use coupons if available • Reconsider multiple uses • Grow it yourself • We overspend more on what we know less about • Comparison shop • Earn an (increase) income

7. Reasons Why People Get Fired National Survey Ohio Survey Inability to get along with coworkers Inability to follow supervisors Nordonia Business’ Cell Phones Appearance Absenteeism Lack of interest Continuously making costly mistakes Does not follow directions Shows unwillingness to learn

8. Car Repairs You Can’t Afford to Skip • Change the brake pads • Change the oil • New air filter • Check the transmission fluid • Burned out lights • Clogged fuel filters