6 Easy Ways to Manage Your Money

1
Have A
Little More
In The Bank
6 Easy Ways to
Manage Your Money
2
FACT Many Americans would like to have a little
more money in the bank at the end of each month.
REAL-LIFE APPLICATION On the next few pages,
youll learn six easy tips that you can start
applying to your money management routine right
away.
3
Be A Coupon Betty
FACT Americans saved nearly 5 billion dollars in
2013 by using coupons.1
REAL-LIFE APPLICATION An easy way to get a piece
of that 5-billion-dollar pie is to sign up for
savings programs that will automatically send
coupons relevant to you straight to your email or
cell phone.
4
Always Have A List
FACT The average American spends 281 a month on
food and 35 on personal care.2
REAL-LIFE APPLICATION Always make a list when
heading to a store and never go grocery
shopping hungry!
5
Sound Investing
FACT The average American family has 35,000
saved for retirement.3
REAL-LIFE APPLICATION Talk to a financial
advisor if you do not currently have a
diversified investment portfolio that could
include stocks, commodities, bonds, and mutual
funds.
6
Track Your Spending
FACT The average American spends 121 a month on
clothing and 191 on recreation.2
REAL-LIFE APPLICATION Write down everything you
purchase a simple way to keep track is by
carrying a checkbook register.
7
Have A Set Budget
FACT The average American household carries
15,799 in card credit debt.4
REAL-LIFE APPLICATION Avoid a balance by
limiting your credit card spending to emergencies
only. Fancy dinners, luxury goods, and
entertainment should be paid for with cash or
check.
8
Pay With A Check
FACT In 2012 only, its estimated nearly 20
billion checks were paid.5
REAL-LIFE APPLICATION Paying your bills by check
helps you better keep track of your expenses and
avoid costly interest rates associated with
credit card spending.
9
Seek Sound Advice
And for good measure, ask your financially fit
friends for their top money management tips.
10
Contact Us
CheckWorks is a leader in providing both
individuals and businesses with affordable,
attractive checks in a safe and convenient online
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at www.checkworks.com.
11
Statistics Sources
1. Coupon Statistics http//www.statisticbrain.com
/coupon-statistics/ 2. Spending
Statistics http//www.statisticbrain.com/what-cons
umers-spend-each-month/ 3. Savings
Statistics http//www.statisticbrain.com/american-
family-financial-statistics/ 4. Card Card Debt
Statistics http//www.statisticbrain.com/credit-ca
rd-debt-statistics/ 5. Checks Paid
Statistics http//www.frbservices.org/files/commun
ications/pdf/research/2013_payments_study_summary.
pdf