Continue Your Success

1	Pull out your “My Spending Leaks” worksheet and locate some items you can avoid purchasing.
2	Now, get out your “Spending Plan” worksheet. Plug in the amount saved into the “Savings” line. How does your spending plan look now?
3	How many months do you think you can avoid the spending leak?
4	Pull out your “My SMART Goals” worksheet. What financial goal can you achieve by plugging a spending leak and saving the money instead?

Sources for Building My Emergency Fund

Loose change

Spending leaks

Paying yourself first

Money gifts

Money saved by not using payday loans, pawnshops, and rent-to-own stores

Do you know someone who is always pressuring you to spend money? Is it hard to say no? Get out a pad of paper and pen and write down your reply to someone who pressures you to spend money. Practice your reply out loud. The next time you’re in that situation, you’ll be ready to say “no.”

Make a list of sources from which you can build an emergency fund. Keep it handy as a reminder to build one or add to it.