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 Road To Financial Success

The following are excerpts from the “The Road To Financial Success”.

The Road To Financial Success – A MONEY MANAGEMENT TOOL FOR THE MEN AND WOMEN IN THE AMERICAN TRUCKING INDUSTRY.

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While many people dream about financial independence few actually achieve it, because they believe financial success is a matter of random luck. They play the lottery, enter sweepstakes, or gamble in casinos, hoping to hit the jackpot, instead of planning and actively preparing for their financial future. Because of this lack of planning and foresight, many hardworking people live from paycheck to paycheck, spending their lives worrying about their financial situation.
Along The Road To Financial Success are many detours: easy credit, credit cards, and consumerism. Without a practical money management tool, many people are unable to resist these short-term temptations and, as a result, give up on long-term financial happiness. Our Money Management Plan will provide you with the road map and tools you need to travel The Road To Financial Success.
This plan will help you determine………

Financial Planing:

Financial planning is simply the process that helps you take better control of your financial situation and manage your money more successfully to improve your current situation and to provide you with a better and financially secure future.
In other words: You are taking……..

WHY DO YOU NEED A MONEY MANAGEMENT PLAN?

This Money Management Plan is your road map to financial success. It helps you stay on course and keeps you motivated to achieve your goals. With the help of your Money Management Plan you will make better financial decisions and track the progress you are making. The Plan puts you in control of your spending and ensures your assets are protected. To be financially successful and………..

YOUR DEBTS:

Before you can proceed on The Road To Financial Success, you must first determine your present financial situation.
The initial step in this process is to establish the value of your assets, how much you owe, and your net worth.
Ideally, you have all your important financial documents organized and………….

YOUR ASSETS:

The second step of examining your present financial situation consists of compiling a list of your personal assets with the help of our work sheet Please note that at this point all you do is generate the figures; the evaluation process will be discussed later in this book. However, it is important for your overall financial picture that you are realistic in assessing the value of your property……

Analyzing And Setting Up Your Budget:
In order to set up your budget and analyze your expenses, you should examine your financial records of at least the last twelve months. You need to look at all receipts, checkbook records, credit card statements, cash withdrawals, and bank statements. If your record keeping was not accurate and you do not have sufficient documentation of your expenses, you should start right now to keep track of your expenses and collect………

Managing Your Debts:

For the purpose of this Money Management Plan long-term financial obligations are defined as debts that are being repaid over fifteen to thirty years, such as a mortgage to purchase a house or real estate. Generally, you should have only one or two long-term financial obligations. In Section I, you have determined your long-term financial obligations and………

Identifying Your Financial Needs:

One short-term financial goal for every individual and family is the creation of an emergency fund so you and your family are prepared for unexpected financial obligations. Most money management experts recommend that an individual or family
has at least three to six months of income set aside in an emergency fund. These unexpected emergencies can happen at any time,………

Implementing Your Savings Plan:

In the previous chapter you have identified your financial needs. Now is the time to decide how to implement your savings plan.
For your short-term financial needs (your emergency fund), you may want to consider an investment tool that is liquid, such as an interest bearing checking account or a basic savings account. You should be able to withdraw your funds at any time without penalty. Please keep in mind that interest accumulation is only………….

Followed by:
Protecting your Assets and Accumulating Wealth