BENEFITS OF BEING S.M.A.R.T.

SAVE

 

Footsteps to your future.  Complete a holistic financial health assessment

 

MAKE A BUDGET

 

We'll teach you how to make your money work for you

AVOID DEBT

 

We'll help you identify ways to secure your money for retirement

 

RESIST OVERSPENDING

 

We'll help you identify how to address common life events so you can feel less stress and more relaxed

THINK OF OTHERS

 

We'll help you utilize community resources that can help "close the gap" of economic disparities.

 

 

Resources

 

Awareness
Awareness is the first step and a debt management plan helps you control payments and costs

Credit & Debit
Decide which debts to pay first and understand what can happen if you stop making payments 

Understand your credit score

You can have more than one credit score and there are several variable that may affect your credit score

Financing College
One of the largest, and most expensive, pieces of the puzzle is how to pay for the education.  Start planning

Retirement

Balancing debt, retirement income, and assets becomes even more important to your financial security as you age.

Money Smart for Older Adults
Elder financial exploitation can result in the loss of the ability to live independently

Earning
What can you do to earn more, so there's more to save?

Budgeting
50/30/20 Budeting rule

Saving
Steps for making financial decisions

Investment

It doesn’t matter if you are a beginner or have been investing for many years, it’s never too early or too late to start asking questions.

Dollars & Sense
Every budget needs both wiggle room and some money you are free to spend as you wish.

Money Habitude 
Do you have a relationship with your money?

© 2019 by Cartwill Empowerment Solutions a 501(c)(3) non profit organization

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