The Business Of Me teaches specific real-world, practical and easy to use personal  financial management skills.

Participants are taught why they need a budget, how to create one and how to maintain it on an ongoing basis.

A great deal of time is spent teaching participants the elements of a budget including the difference between fixed and variable expenses and how to manage each budget item. Budget savings tips are introduced for each category.

Debt and how to manage it is taught with special emphasis on the consolidation of credit card debt.

The importance of acquiring, reading and understanding a credit report and understanding a credit score are taught in detail.

The program moves onto insurance with an explanation of the various types of insurance and more budget stretching ideas are offered about saving on insurance purchases.

Bankruptcy as a last resort and the ramifications of filing one are discussed as well as the types of bankruptcy filing options available.

Many of our participants are mothers. The program teaches them the importance of teaching their children good financial management skills early in life and how to give them more and more responsibility as they mature.

The program then moves on to record keeping giving participants specific instruction about what essential documents they must keep, how long they must keep them and how to organize them.

Finally, participants are guided through the process of creating a personal “SWOT” analysis (strengths, weaknesses, opportunities and threats) and taught how to use this tool to continually plan for their futures.

The Business Of Me teaches participants real-world practical and easy to use personal financial management skills.