Slide 1

Ana VukoviNikola Konjuak

Top ten tips that fit your wallet

It's easier to spend less than it is to earn more

A little cost-cutting effort can result in big savings

Remember: not all debt is bad

Spend Less Than You Earn

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Do not underestimate yourself

Be aware of your contribution

Ask for a pay raiseGet Paid What You're Worth

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Sum up your costs at the end of the month

Better picture of expenditures

Track your monthly spending

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Decide what is more imortant

Make a plan

Stick to the planMake a Budget

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Credit card debt is the number one obstacle to getting ahead financially

Easy to use but easy to forget that it's real moneyPay Off Credit Card Debt

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Invest in your future

Old days would be even tougher

1000$*1,1^40=45259.25$Contribute to a Retirement Plan

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Pay yourself first!

5% to 10% of salary for savings

Savings accounts (risk-free way to put money aside)

Emergency fund

Have a Savings Plan

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Safest way to protect your loved ones

You never knowUpdate Your Will

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Know what your goals are!

Know your risk tolerance!

Find a good financial advisor!

Invest wisely!

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It gives you a sense of purpose in life

Reminds you that you have more than you really need

Issues of social injusticeGive to charity!

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