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"My mom was concerned about how I was going to handle paying my student debt, car insurance, and everyday living expenses. She knew I wasn't making a lot of money and kept getting behind.
Actually, she was worried about all of us so she made this little financial calendar to help us. It helped me figure out where all my money was going and how to budget for my payments.
I have a degree in Forensic Science and a diploma in Personal Support Work but in 20 years of schooling I never learned how to take care of money.
I love my financial organization calendar she made for me. I took it to work and was working on it on my break and three other girls wanted one too. They thought it was a great idea! They never learned this stuff either! I feel so much better and in control.
I know what payments come out when and what I have to pay for before my next paycheque. I know how to save for what I want and I don't miss any more payments. It has made life so much easier. Thanks Mom!!!!"
- Shannon Recoskie, BscFS
I really do because if you do, you will need investment and tax advice. But if you don't, don't despair. There are other solutions to help you become debt free and on the road to financial freedom.
Everyone runs short on cash now and then. Unexpected expenses pop up, like car repairs or home maintenance and things like that. It happens. However, I was starting to notice an ever-increasing pattern around my house. "Mom, I don't have enough to pay my rent this month - can you help me out?" "Mom, I can't make my car payment - can you lend me some money?" "Mom, I don't have enough gas to get to work and I'm broke - do you have any money?" You see the pattern? Of course I would always ask "Where's all your money gone?" and the response was almost always "I don't know". Except for once when the answer I got was "life". Well, I decided it was time to step in and do something about this. I asked them why they didn't know when their payments were coming up and why they didn't have that money set aside and again the answer "I don't know". Okay, so this is serious. What are they going to do when they own their own homes and have kids and all the other expenses they have to look forward to? They need an intervention - NOW!! So I tell them:
"Staying organized is the key to controlling spending and saving."
So, I designed this compact calendar to help them out. It features a column to write down anticipated monthly income and expenses (budget) and beside that a column to record actual expenses. It gets you organized and in control of your money! If the situation is extreme, I also offer budget counselling services and debt re-organization planning. I recently helped a client who had been turned down by the bank to re-organize credit card debt to a manageable monthly re-payment and get an additional amount for some planned renovations.
If you or someone you know needs help with their finances, please contact me for one of these calendars. I realize that if you need this calendar, you probably don't have a lot of extra cash so I've tried to keep the price as low as possible. Basically, it's just enough to cover printing and mailing costs. Just call or email me. I will send you your calendar right away and you can start getting things under control right away. If you or someone you know "doesn't know" where all their money goes, get this booklet now!!
P.S. You won't believe how much better you will feel to have control of your finances. It relieves stress, improves relationships and gives you a great sense of accomplishment. All for the price of a scratch and win ticket with a much better chance of success!!
Jackie Recoskie - 343-644-1010 - info@BalanceFinancial.ca