


Fresh Beginnings
Box 130
Manitou, Manitoba
R0G 1G0
Canada / USA
866-
204-
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Do you balance your checkbook?
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Make a household budget?
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Know when your bills are due and pay them on time?
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Do you reconcile bank statements…or increase your living expenses with late fees?
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How many credit cards do you have?
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What are the balances? What are the interest rates?
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Have you considered the long term costs involved in only making the minimum payments?
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What would be the consequences if you had to live off them?
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How long would you be able to live? Then what?
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How much have you saved?
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If you have a retirement account, how much is in it and will remain if the funds had to be accessed?
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Accountable living
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Attitudes about money and how they are developed
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Cause, effect and consequence
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Changing patterns and thinking ahead
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Is it a “Credit Card” or “Debt Card”?
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Implementing change
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Living more with less
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Mind traps, impulse buying and recreational shopping
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Money, not feeling empowered, struggles
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Prosperity/poverty consciousness
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Quality of life
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Realistic goal-
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The outer is a reflection of the inner
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Wealth and Abundance
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Wants versus needs
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