My Life My Choices WELCOME My Life My

My Life My Choices WELCOME!

My Life My Choices Financial Choices & Consequences during your First Month away from HOME A budgeting activity by Money Fit by DRS, Inc.

The Priorities Sheet Choose your priorities Circle them

My Life My Choices No switching priorities once activity begins

My Life My Choices Using the Cash Flow Register

FINAL NOTE before Starting Emergency Savings = WILD CARD • Any time • Any expense of your choice • But ONLY ONCE Emergency Savings

Day 1 (1 st Line) What’s Happening: Rent is Due! Rent Consequences: WITH the Card WITHOUT the Card - $500 $0 $0 $1, 000 $500

Day 1 nd (2 Line) What’s You are hungry. You need to Happening: Groceries eat. Consequences: WITHOUT the Card WITH the Card - $500 $0 $0 $ $500 $

Day 1 (3 rd Line) Thrift Store What’s Happening: You need some clothing. Consequences: WITH EITHER Card WITHOUT either Card - $25 $0 $0 Brand Name $ Thrift Store $25 $

Day 2 What’s Entertainme You just met someone special for Happening: nt your EPIC Homecoming Date! Consequences: WITHOUT the Card WITH the Card - $100 $0 $0 $ $100 $

Day 5 What’s Let’s get you to work. Happening: Consequences: WITH the Card Car or Truck WITHOUT the Card - $25 $

Day 5 What’s Happening: Let’s get you to work. Consequences: WITH BOTH Cards WITHOUT 2 nd Card - $500 $0 $0 Car or Truck Car Maintenance $ $500 $

Day 6 What’s Happening: Time to go shopping Consequences: WITH the Card Car or Truck WITHOUT the Card $0 $0 $

Day 6 What’s Happening: Time to go shopping Consequences: WITH BOTH Cards WITHOUT 2 nd Card - $100 $0 $0 Car or Truck Gasoline $ $100 $

Day 7 What’s Happening: Happy Birthday! Giving Gifts Consequences: WITH the Card WITHOUT the Card +$50 +$200 $ $50 $

Day 8 What’s Happening: Overate and think a DIET might be a doubly good idea Consequences: EVERYONE +$50 $

Day 9 What’s Happening: You are STARVING after 36 hours on Dining Out the diet. Its BUFFET time! Consequences: WITHOUT the Card WITH the Card - $75 -$25 $ $75 $

Day 10 What’s Happening: That buffet made you SICK! Healthcare Can you say, “ER? ” Consequences: WITHOUT the Card WITH the Card - $300 -$50 $ $300 $

Day 11 What’s Happening: Tax refund from your summer job! Consequences: EVERYONE +$200 $

Day 14 What’s Happening: Need to figure out times, colors, food Cell Phone with new boy/girl friend Consequences: WITHOUT the Card WITH the Card - $100 $0 $0 $ $100 $

Day 15 What’s Happening: Payday!!! Consequences: EVERYONE +$500 $

Day 17 What’s Happening: Utility bills were due 2 weeks Utilities ago! Consequences: WITHOUT the Card WITH the Card - $100 $0 $0 $ $100 $

Day 18 What’s Happening: A tow truck was spotted near Car or Truck your apartment late last night? Consequences: WITHOUT the Card $0 $0 $

Day 18 What’s Happening: A tow truck was spotted near Car or Truck Parking your apartment late last night? Permit Consequences: WITHOUT 2 nd Card WITH BOTH Cards - $100 $0 $0 $ $100 $

Day 20 What’s Happening: Pet gets sick and needs a veterinarian Consequences: WITH the Card WITHOUT the Card -$200 $0 $200 $ A Dog or Cat $0 $

Day 22 What’s Happening: Dirty pile of disgusting clothes Laundromat under your bed – WASH DAY! Consequences: WITHOUT the Card WITH the Card - $100 $0 $0 $ $100 $

Day 23 Chocolate, What’s Happening: Candy, Everyone has healthcare now. But Energy they give discount for healthy eating Drinks Consequences: WITHOUT the Card WITH the Card +$50 $0 $0 $ $50 $

Day 25 What’s Happening: Renters Back from road trip, you find Insurance your apartment FLOODED! Consequences: WITHOUT the Card WITH the Card $0 $0 $

Day 25 Thrift Store Clothing What’s Happening: Back from road trip, you find Brand Name your apartment FLOODED! Clothing Consequences: WITH Brand Name Card WITH THIFT Card - $1, 000 -$200 $ $1, 000 $

Day 28 What’s Happening: Vehicle insurance is due Car or Truck Consequences: WITHOUT the Card $0 $0 $

Day 28 What’s Happening: Vehicle insurance is due Consequences: WITH BOTH Cards WITHOUT 2 nd Card - $200 $0 $0 Car or Truck Car Insurance $ $200 $

Day 31 What’s Happening: Company is DOWNSIZING your entire Emergency Savings department. You have lost your job. Consequences: WITHOUT the Card WITH the Card - $1, 000 $0 $0 $ $1, 000 $

End of Month What’s Happening: Did you go below $0 at ANY time? You are hit with OVERDRAFT fee Consequences: EVERYONE who Has -$50 $

My Life My Choices q Above $1, 000? q Most surprising? q Most painful? q What would you do DIFFERENTLY in real life?

My Life My Choices Thank you for your participation!