"6 Steps to Financial Freedom”

1. Pay yourself 1st- Pay yourself 10%-15%of your check every pay period.
   *Pay yourself before you pay any bills, not after you pay your bills

2. Pay off debt/ all credit calls
   *Pay off cars, loans, medical bills, and any other debt you have draining you down every month
   *Pay off your smallest debt first, then work your way up to your largest debt until they are all gone.
   *Do not buy now on credit cards and pay later with cash deals, live debt free with cash only

3. Emergency fund
   *Save up 3 to 6 months of monthly expenses
   *This fund is how you avoid going back into debt with credit cards and loans.
   *The fund is only for when things go wrong in life like: jobs loss, car breakdown or house repair

4. Live below your means
   *You must have more money coming in than going out.
   *Operate on needs not wants
   *Cut back on shopping, and some bills around the house

5. Educate yourself
   *Learn all you can about personal finances
   *Read about credit, credit cards, mutual funds, and saving accounts
   *Educate yourself on the stock market and learn how

6. Investment
   *Money market accounts with banks
   *IRA accounts
   *Mutual funds
   *Real estate
   *Disability insurance
 

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