,all ,is ,safely
               ,ga!r$ ,9
             ,family ,f9.es

             ,copy"r #bjjg
      0,9tellectual ,res]ve1 ,9c4
            ,all "rs res]v$4
            ,pr9t$ 9 ! ,,usa
    ,5gli% approval3 ,novemb] #bjjf
              #jdjjg #jag

               ,message f
           ,! ,f/ ,presid5cy
  ,de> ,bro!rs & ,si/]s3
  ,latt]-"d ,sa9ts h be5 c\nsel$ = _m
ye>s 6prep>e = adv]s;y 0hav+ a ll m"oy
set aside4 ,do+ s a4s imm1surably
6secur;y & well-2+4 ,e family has a
responsibil;y 6provide = xs [n ne$s 6!
ext5t possi#4
  ,we 5c\rage y :]"e y may live 9 ! _w
6prep>e = adv]s;y 0look+ 6! 3di;n ( yr
f9.es4 ,we urge y 6be mode/ 9 yr
exp5ditures2 4cipl9e yrvs 9 yr pur*ases
6avoid debt4 ,pay (f debt z qkly z y c1
& free yrvs f ? bondage4 ,save a ll   #a
m"oy regul>ly 6gradu,y build a f9ancial
res]ve4 ,if y h pd yr debts & h a
f9ancial res]ve1 ev5 ?\< x 2 small1 y &
yr family w feel m secure & 5joy grt]
p1ce 9 yr he>ts4
  ,may ! ,"l b.s y 9 yr family f9ancial
ef=ts4
  ,! ,f/ ,presid5cy
              3333333333333
              ,! ,basics (
             ,family ,f9.es
..,,pay ,,ti!s ,,& .,,(f]+s
  ,su3ess;l family f9.es 2g9 )! pay;t (
an h"o/ ti! &! giv+ (a g5]\s fa/ (f]+4
,! ,"l has promis$ 6op5 ! w9d[s ( h1v5 &
p\r \ grt b.s+s ^u ^? :o pay ti!s &
(f]+s fai?;lly 7see ,mala*i #c#aj74

.,,avoid .,,debt
  ,sp5d+ less m"oy ?an y make is
ess5tial 6yr f9ancial secur;y4 ,avoid
debt1 )! excep;n ( buy+ a mode/ home or
pay+ = $uc,n or o!r vital ne$s4 ,save
m"oy 6pur*ase :at y ne$4 ,if y >e 9
debt1 pay x (f z qkly z possi#4

.,,use .,a .,,budget
  ,keep a record ( yr exp5ditures4
,record & review mon?ly 9come & exp5ses4
,det]m9e h[ 6reduce :at y sp5d =
noness5tials4
  ,use ? 9=m,n 6e/abli% a family budget4
,plan :at y w give z ,*ur* don,ns1 h[ m*
y w save1 & :at y w sp5d = food1 h\s+1
utilities1 transport,n1 clo?+1 9sur.e1 &
s on4 ,4cipl9e yrf 6live )9 yr budget
plan4 7,see ! ,budget ,"w%eet on ! back
page47

.,,build .,a .,,res]ve
  ,gradu,y build a f9ancial res]ve1 &
use x = em]g5cies only4 ,if y save a ll
m"oy regul>ly1 y w 2 surpris$ h[ m*
a3umulates ov] "t4
  .,,t1* .,,family .,,memb]s
  ,t1* family memb]s ! pr9ciples (
f9ancial manage;t4 ,9volve !m 9 cr1t+ a
budget & sett+ family f9ancial goals4
,t1* ! pr9ciples ( h>d "w1 frugal;y1 &
sav+s4 ,/ress ! import.e ( obta9+ z m*
$uc,n z possi#4
              333333333333            #c
            ,budget ,"w%eet
,budget = ---- 7mon?/ye>7
  ,7,r1d]'s note3 ,! pr9t edi;n %[s !
foll[+ 9 a ?ree-column *>t4 ,column
sep>,n is 9dicat$ )a da% 2l47'
,,9come--,,plann$--,,actual
,wages/,sal>ies 7af taxes7
,o!r 9come
,total 9come

,,exp5ses--,,plann$--,,actual
,ti!s & (f]+s
,sav+s
,food
,mortgage or r5t
,utilities
,transport,n
,debt pay;ts
,9sur.e
,m$ical
,clo?+
,s*ool exp5ses
,o!r
,total exp5ditures
,9come less exp5ditures

  99 ,budget =a specific p]iod ( "t 7s*
z weekly1 biweekly1 mon?ly74
  99 ,review yr budget regul>ly4
  ,visit _+www.providentliving.org_: = m
9=m,n ab family f9.es4

                ,,! ,,5d


















                                      #e