- Is Your Spending out of Control?
- Your Consumer Debt Ratio
- Calculating Your Total Debt Ratio
- Why Have I Gotten Into Debt?
- Income and Expenses
- Figuring Out Your Paycheck
- Expenses Line by Line
- Constructing a Spending Plan
- Case Study: Jennifer–Things Gone Wrong and How to Fix Them
- Forecasting Income and Expenses by Age
- When You Have Too Much Debt
- Allowances
- Saving Money on Company Benefits
If you ask somebody why he or she has gotten into debt, you may get answers like these:
- I really don't know. I've just lost track of my spending.
- Convenience. I'm always rushed, so I buy things that will save me time.
- It is easy. The credit is there, so I use it.
- There are lots of things I want, and I hate to deprive myself.
- Everybody else does it. Why shouldn't I?
- I've had one or more emergencies in the past year that have gotten me into financial trouble.
- I can't stop spending.
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Financial Learning Center content created by TrueBridge, Inc. The information provided is based upon sources and data believed to be accurate and reliable. The content contained herein is intended for information and illustrative purposes only, should not in any way be construed as a personal recommendation, and should be used in conjunction with individual professional advice.
