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1)- Get a grip on your goals

Set goals, as, we are as happy as though we have already achieved

2)- Start Tracking your spending

Save every receipt, find out where your money is going

3)- Start monitoring your reaction to things

choose where to splurge

4)- Get “pretty” organized

Make filing system that lets you find paperwork quickly

5)- Start paying bills as they come in, rather than all at once. People who do this are more

financially fit. (Paying all at once make you feel depressed) (Pay online, cuts time)

6)- Balance Checkbook

People who plan well, tend to save and be satisfied with their accomplishments &

acquisitions

7)- Protect Family & Self- shelter from hardship is important amass 3-6 mos living expenses.

make a will.

life insurance if you have dependents

disability insurance if have dependents & bills and use current income

8)- Save something, anything

10% is the rule of thumb, but if 5% is all you can do, do it,

5% each month, makes you happy, try automatic transfer deposits into savings

account

9)- Find new ways to communicate spending or borrowing money by first notifying

partner. (If fighting all the time)

Involve each other in spending and borrowing, set borrowing or spending

amount limits (200-300-400)

10)- GIVE

Research shows personal happiness increases when we give Money or Belongings

10+)- BE HAPPY WITH WHAT YOU HAVE, ATTITUDE ADJUSTMENT,

HAPPINESS HINGES, NOT ON WHAT YOU HAVE,

BUT HOW YOU HANDLE IT!!