Module 1
Helpful Exercises
1) 24 Month Cash Flow Estimate
This first exercise asks you to estimate your household cashflow for a full 24 months after your last paycheck from your last employer.
Please download the 24 month spreadsheet and fill it in with your estimated revenues and expenses.
( Click Here )
2) How to Save $500 a Month in Expenses
Please download this list of 50+ areas where, with a little bit of work, you can reduce your monthly personal and household expenses.
( Click Here )
We took this list and poured it into a table you can use. In the two, right hand columns, for as many expenditure items that apply to you, you can:
1) Write down how much you are currently spending each month.
2) Write down what your new, future, monthly expenses could be if you followed the advice in each area that applies to you!
Please e-mail us to let us know what expense reduction area worked for you and how much you are able to save per month!
3) Beware the Money Wasters
Here are an additional twenty ideas on how to lower your monthly expenses!
( Click Here )
Addtional Resources
The following are a number of helpful bulletins from the National Endowment for Financial Education and others on how to maintain your financial health during your job search.- Can You Afford to Change Careers? ( Click Here )- Five Things to Resist Doing in a Turbulent Economy ( Click Here )- Job Loss (8 pages)( Click Here )- Living From Paycheck to No Check( Click Here )- Money Management Tips ( Click Here )- Monthly Expenses May Offer Hidden Opportunities to Save Money( Click Here )- Surviving a Financial Downfall - 8 Steps( Click Here )- Twelve Ways to Get Out of Serious Debt - 5 pages( Click Here )
- 66 Ways to Save Money - 12 pages
( Click Here )
- Effective Strateiges for Personal Money Mgmt - 12 pages
( Click Here )
- Monthly Expenses May Offer Hidden Opportunities to Save Money - 3 pages
( Click Here )
- Plug Spending Leaks Worksheet - 1 page
( Click Here )
- Career Planning The Second Time Around - 4 pages
( Click Here )
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Next, we have two phamphlets from the US Department of Labor
- What You Should Know About Retirement - 42 pages
( Click Here )
- Health Benefits Under Cobra - 28 pages
( Click Here )
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Some additional reading!
- Six Tax Tips for Tough Times - 2 pages
( Click Here )
- Laid Off? Six Simple Ways to Ease Your Financial Burden - 1 page
( Click Here )
- Managing Your Finances When Changing Jobs - Charles Schwab - 5 pages
( Click Here )
- Park Ridge Social Service Organizations - 2 pages
( Click Here )
- U.S. Job Satisfaction Declines - Conference Board
( Click Here )
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