TRINITY DEBT MANAGEMENT SERVICES

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TRINITY DEBT MANAGEMENT SERVICES

Avondale, Arizona
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• The Full Picture / What You Will Receive
•  Recognize your need for help
• Getting your financial house in order
• Financial Strategies Course
• Restoring your credit
• What you need to know about the credit bureaus
• Re-aligning your debt
• Saving Planning for Retirement
• Where do you want to be at age 65?
• Wants Needs List
• In Debt We Trust (Video)
• Asset Protection

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•   
• Handout Material
• 12 Things To Know Before A Car Accident
• The Best Way To Lose Touch With A Loved One. .
  .Loan Them Money
• How To Minimize The Interest Payments
• 133 Simple Steps That Help Cut Cost Spare The
  Family Budget
• Rate of Return Chart / Rule of 72
• What Happens When You Make Only Minimum Payments
  on a Credit Card
• How To Save On Your Gas Bill
• How To Save On Your Water Bill
• Tips On Getting More For Your Money Now!
•  

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Why Would You Want To Do A Debt Consolidation
Loan? Afraid To Talk To Your Spouse About
Money? Consumer Cocaine (Credit Cards) Debt
To Income Financing Worksheet Debt to Income
Ratio Calculator / How To Use It  
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DEBT FREE LIVING 2009 Through an extensive
process, you will receive financial discipleship
how to eliminate yourself from the spirit of
debt. You cannot serve the Master when you are
busy serving MasterCard. Our society has been
set up to keep us struggling and not give us
relief from debt. The Worlds Pledge of
Allegiance I pledge allegiance to the card of
the United States of credit, one nation under
debt with bankruptcies, late fees and high
interest for all. The ultimate goal is for
every homeowner to become debt free.
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Something has to be done Families are
suffering from indebtedness, and so are American
homeowners. Credit card debt is partly to blame,
and is something which we can help.
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Problematic Behavior Spending more Americans had
racked up 976.3 Billion in debt by the end of
September 2008, according to the U.S. Federal
Reserve. Bankruptcies in 2007,  totaled 822,590,
up 38 percent from the 597,965 non-business
bankruptcy filings in 2006. People are having
trouble paying the bills, let alone feeling free
enough to give to others. "Credit card debt is a
particular problem for todays society. When
people owe so much, its hard for them to
give. Overall charitable giving slipped 2.3
percent when adjusted for inflation, according to
Giving USA. It was the first time in seven years
that contributions have dropped. A downturn in
the economy is partially to blame. Research
shows Americans spend 102 to 112 percent of what
we make. Were committed to help pay off that
debt, which is the right thing.
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Understanding the situation Consumers might not
realize how dire the situation is. Let me help
you out.         Eight of 10 families spend
more than they make.         Seven of 10 live in
debt, retire in debt and die in debt.        
Sixty-five percent of married households require
two incomes.         In 95 percent of homes,
families would have trouble coping with a
three-month income interruption. A six-month
income interruption would find many dependent on
other family, the church or government
programs.   We declare and trust that your
financial situation will be forever changed!  
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We can talk about it
Or
Do something about it
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Each year we intend to make a resolution or set a
goal and work towards accomplishing it.
An intention is a determination to act in a
certain way to do or achieve ones purpose or
goal. A resolution may feel or sound more like a
pledge or a promise to yourself. Example Financia
l resolution or intentions might be, I will pay
down my debt or I will be more conscious about
how I spend money.
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A goal is measurable has a deadline associated
with it. I encourage my clients to become
mindful of where their attention and intentions
lie, especially during challenging times. This
requires cultivating both self-awareness and
self-management skills. Unclear intentions lead
to mixed results or less than optional
outcomes. Need to decide what is your first step.
You need a concrete plan. One that you can
visualize yourself doing. When, where how. Have
it mapped out / You will see early
results. Competed goals builds confidence. Increme
ntal progress / Youre more likely to follow
through. Dont forget to congratulate yourself on
results. Then map out the next step towards your
goal.
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Create Yourself A Needs Wants List
Needs Wants
Look in your Checkbook Go back 6 months and add
up everything you spent money on you wanted but
didnt need.
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How can you spend money more wisely? God expects
us to have faith, but also to use common sense
and wise planning in allocating the resources He
has given us. The best way to manage your money
and stay out of debt is to have a strategy in
place before the expenses or temptations arise.
BEGIN WITH A BUDGET. A budget is a road map that
guides you and tells you when you are on course.
Budgeting won't ensure prosperity, but it will
keep you from overspending your resources and
will help you avoid the debt trap. DECIDE TO
FOLLOW THE BUDGET. Most people understand the
need for a good budget, but few follow through.
Only 25 of American families operate on a
budget. Fifty percent say they want to budget but
never get around to it. Make your plan and stick
to it. PRIORITIZE YOUR EXPENDITURES. Make a list
of what is most important to you. Start with the
necessities (housing, food, car, utilities,
insurance and taxes). Then list what you "should
have" (clothing, furniture, etc.). Finally, list
the things you'd like to have. PAY BILLS ON
TIME. Establish a budget that allows you to pay
all your bills in full and on time each month. If
you can't pay them all, pay something on all of
them and communicate your intentions of paying
everything to those you owe. If you can't pay
your regular bills, it's time to move to a
smaller house, drive an older model car, or make
drastic cuts until your outgo matches your
income.
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GET OUT OF DEBT AS SOON AS POSSIBLE. Debt carries
with it heavy responsibilities. Don't allow
yourself to become a slave to creditors. Don't
take on debt unless you have a clear plan for
repaying it. Certainly stay away from debt if it
is a habit out of control. PLAN FOR EMERGENCIES.
Small emergencies can eat at your budget every
month unless you begin to set aside funds as part
of your budget. For example, the dog gets sick,
your car radiator dies, time for back-to-school
clothes, etc. HAVE SOME FUN. Use your resources
for personal enjoyment. After you have managed
your money wisely and given generously, there
comes a time for you to enjoy the fruits of your
labors. IF YOU HAVE A FAMILY, INVOLVE THEM. When
you create a list of priorities, it's important
to involve your whole family so everyone
understands the priorities and is focused on the
goals. IF YOU HAVE A SPOUSE, ASSIGN THE JOB OF
PAYING THE BILLS. This isn't about control, since
both should fully understand the financial
situation and goals, but about the most capable
person taking on the job.  
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Where Do You Want To Be At Retirement?
Financially Independent Just Getting By Or Broke
Choose one of the above
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EXAMPLE 65 - ____________________ Years
left 10 15 20 25 30 35 40 Factor
1.39 2.08 2.78 3.47 4.17 4.86 5.55 _____________x
_____________________-__________________
(a) (b) (c) (d)
(e) Divided by 12 ______________
(f)

1. Desired Annual Income
2. Inflation Rate
3. Income Needed
4. Pension/401K/IRA
5. Total Annual Income Needed _at_ age 65
6. Lump Sum Needed

40
25
Current Age yrs to 65
50,000
3.47
173500
0
173500
1,445,833.30
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12 MONTHLY INVESTMENT
Years 100K 250K 500K 750K
1 M
20
500
1000
25
527
263
(g) Amt. You need to save now 527 263 790
(h) If you waited 5 years later 1000
500 1500
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VICTORY PLAN
SOW 5 7 14. 17.
BAL 50 90 138. 170.
Department Stores Cube 1 Cube 2 Cube 3 Cube
4 Cube 5
Macys 50 0 0 0 0 J.C. Penney 20 70 0
0 0 Sears 70 70 140 0 0 Bullock 30 30
30 170 0
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You will also receive an E-book 133 Simple
Steps That Help Cut Costs and Spare The Familys
Budget Table of Contents (Saving tips in the
following areas) Finances Food Bill Clothes Utilit
ies Insurance Transportation Health Personal
Care Home Entertainment
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• Key Points You Need To Know About The Credit
  Bureaus Your Score
• Credit Score Target
• Credit Reporting Agencies Making Money
• How The System Tries To Keep You In Debt
• Removing Negative Account
• Bill Payment Consistency
• File Variations
• If you have collections or charge-off accounts,
  your assets are at risk
• Credit Cards
• Piggyback
• Limitation Period
• Bankruptcy Law

GETTING TO A HIGHER LEVEL
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If you are interested in participating as an
student viewer of this internet class, please
register by August 31, 2009 at www.trinitydebtmgmt
svcs.org/WorkshopRegistration.html