BUDGET!!!!
    Learning Objectives 
     In this session, we will set you on a path to:
       Identify/Develop your financial goals
       Examine how financial values come into play 
       Discuss basic budgeting terminology and 
        principles
       Explore tools to develop your personal budget
       Talk about challenges and barriers to 
        budgeting
       Discuss ways for you to track your financial 
        health and progress
        Trigger Warning
     Money Management can stir up “stuff” within 
      us:
       Anger
       Guilt
       Frustration
       Sense of Hopelessness
       Anxiety/Fear
       Avoidance
           Why Budget?
     Budgets are a necessity to take control of personal 
      spending, saving, and debt.
     The loudest voices in finance come from corporations that 
      do not have your best interest in mind.
     Living beyond your means is a dangerous practice.
     Many individuals don’t realize they are overspending until 
      they are deeply in debt.
     Credit cards and easy access to funds make it easier to 
      be mindless about spending.
     The absence of a budget is one of the greatest 
      contributors to stress about money matters.
        Health and $$
     A 2013 study by Northwestern’s Feinberg 
     School of Medicine showed that young adults 
     (24-32 years old) in debt had higher blood 
     pressure levels and exhibited more 
     depressive symptoms than their debt-free 
     counterparts.
     The same study showed the higher the debt-
     to-asset ratio, the higher perceived stress 
     and depression and worse self-reported 
     general health.
    (Sweet, McDade, Adam & Nandi, 2003)