Critical budgeting homeowner part 1
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The document provides guidance on creating a short-term budget for when income is temporarily reduced. It discusses prioritizing essential expenses like housing, food, utilities, medication and transportation. Specific tips are given for communicating with lenders about housing options like forbearance and modifications if struggling to pay a mortgage. Ideas are also shared for cutting food costs such as meal planning, reducing eating out, and accessing local food assistance programs.
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The document provides guidance on taking control of personal finances through developing and implementing an effective financial plan. It outlines three main steps: 1) developing a clear understanding of one's current financial situation through creating a budget, 2) setting and prioritizing financial goals, and 3) implementing appropriate saving and investment strategies tailored to goals. Additional topics covered include managing debt and credit, understanding credit reports, and the potential benefits of working with a financial professional.3 budgeting and snowball updated
3 budgeting and snowball updatedjhelton27
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This document provides guidance on managing personal finances in a godly way. It discusses breaking free from debt, budgeting using the accrual method, and building a snowball to pay off debts from smallest to largest. The key points are to set financial goals aligned with God's priorities, create a budget based on past expenses, and focus on paying down debts starting with the smallest balance first to stay motivated.More from OriginSC (7)
Critical budgeting homeowner part 2
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This document provides guidance on prioritizing essential bills and cutting costs for non-essential expenses during financial hardship. It recommends contacting utility providers to set up payment plans or reduced rates. Cable should be the first budget cut, while continuing medication, utilities, transportation, food, and shelter payments. If unable to pay other bills after prioritizing essentials, stop payments temporarily to avoid missing on the "Big 5". The strategies aim to get through short-term hardship while maintaining necessities.Intro to credit rev 1517
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Credit is important because it affects many aspects of life like renting, utilities, insurance, loans, and employment. Consumers can access their free annual credit reports from annualcreditreport.com or by contacting the credit bureaus directly. Credit reports contain personal information, credit history, inquiries, public records, and collections. It's important to check reports for accuracy as errors are common. FICO and Vantage are two common credit scoring models that use factors like payment history, credit utilization, credit history length, credit mix, and new credit to determine a credit score. With bad credit, options include credit counseling, debt management programs, or managing debt independently through budgeting and payment plans.Basic budgeting lesson2
Basic budgeting lesson2OriginSC
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This document provides instructions for reviewing a bank statement and categorizing expenses. It recommends using highlighters to color code transactions into categories like take-out, groceries, gas, and online shopping. The reader is asked to total the amounts in each category and compare them to their budget. The review often reveals spending in unexpected areas and provides an opportunity to adjust spending habits and curtail impulse purchases in order to save money each month. Tips are provided on budgeting, saving, and seeking financial coaching.Intro to Homeownership Workshop
Intro to Homeownership WorkshopOriginSC
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This document provides an overview of homeownership topics including an introduction to Origin SC, credit scores, types of lending products, down payment assistance, the home buying team, financial literacy counseling, and next steps. It discusses how Origin SC empowers individuals through advocacy, counseling and education. It also provides a brief overview of how credit scores are calculated, what different credit score ranges mean, and how to improve a credit score. The document outlines conventional, FHA, USDA, and VA loan types as well as fixed and adjustable rate mortgages. It notes that down payment assistance programs have individual guidelines and can be forgivable or repayable. Financial literacy counseling includes reviewing a credit report and developing an action plan. The documentIntro to Homeownership
Intro to HomeownershipOriginSC
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This document provides an introduction to homeownership. It discusses Origin SC, an organization that provides financial counseling and education. It then gives a brief overview of credit scores, including how they are calculated and how to improve a score. The document outlines different types of home loans and down payment assistance programs. It emphasizes consulting a homebuyer counselor first in the homebuying process. Finally, it advertises additional financial workshops and one-on-one coaching sessions.Basic budgeting lesson2
Basic budgeting lesson2OriginSC
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This document provides instructions for reviewing a bank statement and categorizing expenses. It recommends using 5 different colored highlighters to mark expenses in categories like take-out, groceries, gas, and online shopping. The reader is asked to total the expenses in each category and compare them to their budget. The review often reveals where actual spending differs from estimates. Making a spending plan and saving regularly each month are advised to better manage finances and curb impulse spending. Coaching is available to help improve budgeting and credit.Basic budgeting lesson1
Basic budgeting lesson1OriginSC
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This document provides an overview of budgeting and why it's important to create a budget. It discusses the different types of expenses people have, including fixed, flexible, and periodic expenses. Examples are given for each type. The reader is guided through gathering their income sources and making a list of typical monthly expenses. They are instructed to complete the first column of a digital budget worksheet with estimated expenses. Creating a budget allows people to balance their income and spending in order to achieve financial goals like paying off debt or saving for a major purchase.Recently uploaded (20)
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