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Editor's Notes

• #4: Increase earning power – GED graduates makes $12,000 more a year on average than those without a high school diploma, this amount is often greater for women. More job opportunities – The GED shows employers that you have important life skills Jobs with better benefits – many minimum wages jobs do not offer employee benefits such as medical and dental insurance, retirement plans, vacations, etc. In addition, some employers require a diploma to be eligible for benefits. Ability to seek additional education - The GED is accepted by 97% of colleges and universities Financial security
• #5: We all know that making and having more money is a good thing, however more money is only useful when we know how to manage it. In 2008, 1.4 million people filed for bankruptcy. Bankruptcies come from every class, race, education and income level. they tended to be slightly better educated than the general population
• #6: JOB LOSS – If you are living paycheck to paycheck, as many Americans are and have no savings for emergencies a job loss can quickly devastate you. Another reason for bankruptcies are serious health problems. If you have a serious health problem and have no health insurance or disability and are out of work for a time it doesn’t take long to cause financial problems. This is why a job with benefits is important. Lastly, DEBT. Those filing for bankruptcy on average owed more than 1 ½ time their annual income.
• #7: In a recent survey, 7 out of 10 people said they felt very stressed about money. As the economy weakens, that number is going up. Financial stress like all stress can cause health problems like depression and sleep problems. To reduce stress and move toward a more secure future, we will learn the secrets to being good with money. There are a few basic habits that can really make a difference. We will talk about how to make your money work for you. How to avoid mistakes that can cost you money. What to do if you lose your job, how to save more and get out of debt. You will learn information that you can use to be more financially secure regardless of how much you make.
• #8: Financial literacy is a skill for life. In a 2012 Consumer Financial Literacy Survey, 42% of Americans gave themselves a grade of C or worse when it comes knowledge of personal finance. Only 43% of Americans have a budget. Spending has increased for the second year in a row and yet 39% of Americans have $0 savings. No matter what your age or income, understanding money can help you and your family meet your goals and get the most out of life. Taking a few simple steps to manage your money better can make a real difference to the control you have over your life and the choices available to you.
• #9: The First Step Understanding how much money you have and where it goes. Most of us have a good idea of how much money comes in, but are less aware of how our money is spent. We just know that at the end of the month or week the money is gone and we don’t have much to show for it.
• #11: Figure your Monthly Gross Income ( what you make before taxes and other expenses are taken out ) List each household member’s “regular” earned income. Include full, part-time and self-employment income as well as tips and overtime. Be sure to list income before deductions are taken. List “other” monthly income that comes from sources other than employment, such as child support, alimony, social security, disability, etc. List “sporadic” income from bonus checks, income-tax refunds, etc. *list only if you are sure that you will receive these items. CAUTION: Calculate variable income conservatively