Transcript If I Can’t Balance My Checkbook, How Can I Help You

If I Can’t Balance My Checkbook,
How Can I Help You Balance Yours?
Jerry Bauerkemper, BS,CCGC
Executive Director
Nebraska Council on Compulsive Gambling
Email: [email protected]
About the Presenter
Jerry Bauerkemper,
BS, CCGC Executive
Director of the Nebraska
Council on Compulsive
Gambling
Jerry Bauerkemper, BS, CCGC is
the Executive Director of the
Nebraska Council on Compulsive
Gambling Mr. Bauerkemper was
the first director of problem
gambling for the state of
Nebraska. He is an internationally
recognized trainer on Problem
Gambling. He received the First
Step award for his work with
Gamblers.
GAMBLE:
To play for money; to risk, especially by
financial speculation; to lose or squander
in speculative ventures; a risking
undertaking, a reckless speculation.
-Webster’s Dictionary
You Just Won the Lottery
Take several minutes and write down what
you would do with Lottery winnings
Recovering gamblers skip this assignment
How did you feel doing the assignment”
• Did you have pleasant thoughts?
• Did you get excited?
• Did you have negative anxious thoughts?
• Welcome to the world of the gambler!
If I Can’t Balance My Checkbook, How
Can I Help You Balance Yours?
Money vs Action
-Gamblers Never Lose
-Time + Money = Opportunity to Gamble
What’s money got to do with it?
EVERYTHING
The reason we should talk
about money.
• 73% of Americans report that money
issues are their #1 stressor ahead of work,
physical health, and children.
•
American Psychological Association Survey, March 31, 2004
Results from Gambler’s Focus
Groups
• Gamblers wanted to talk about money the
first session
• Gamblers and family members were very
concerned about referrals/support group
confidentiality
• Counselors need an understanding and a
willingness to work on debt
A Brief Money Exercise
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2.
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7.
8.
People with money are…
When I have money, I usually…
My Dad thought money was…
My Mom thought money was…
If I could afford it, I would….
Money makes people…
To have more money, I need to….
In my family, money always caused…
A Brief Money Exercise
• 9. If I had more money, I’m afraid I
would…
• 10.Money is…
What else do you know about money as a
result of the life you have lived so far?
--Open for discussion
www.1800betsoff.org
Tool Chest Brian H. Farr, LPC
What does money mean
to the problem gambler and/or
family member?
Have the client define:
Money
Values
Beliefs
DSM V
How many of the criteria have to do
with money and finances?
Diagnostic Criteria DSM V
A.
Persistent and Recurrent Maladaptive Gambling
1. Preoccupied with gambling-past experiences, handicapping, planning
next venture, planning ways to get money to gamble.
2. Needs to gamble with increasing amounts of money in order to
achieve desired excitement.
3. Has repeated unsuccessful efforts to control, cut back or stop
gambling.
4. Is restless or irritable when trying to cut down or stop gambling.
5. Gambles as a way to escape problems or relieve dysphoric mood e.g.,
guilt, helplessness, anxiety, depression.
Diagnostic Criteria DSM V
6. After losing money returns to get even or “Chasing” one’s losses.
7. Lies to family, therapist or others to conceal the extent of involvement
with gambling.
8. Jeopardized or lost a significant relationship, job, or educational or
career opportunity because of gambling.
9. Relies on others to provide money to relieve a desperate financial
situation caused by gambling (Bailout).
B. Gambling is not better accounted for by a Manic Episode.
I don’t want to be a Financial
Counselor
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Majority of work done by client
Do this in steps not all at once
Homework is best
Spend 15-20 minutes per session for 5
weeks
• Spend 5 minutes per week after the
budget made
• Family recovery based on family buy in
I don’t want to be a Financial
Counselor
• Week 1: send home Assets and liabilities
form
• Week 2: send home snapshot form
• Week 3: Send home budget planning form
• Week 4: review budget plan
• Week 5: Concentrate on bills you can help
reduce or eliminate based on priorities
Step 1
• Divide a piece of notebook paper in half
• Top half Write “Assets” Explain it as
income sources
• Bottom half write “Liabilities” Explain it as
bills and who you owe
Send this home with them to begin to
identify who and what they owe
Step 2
SNAPSHOT: Your Average Month
• Date: ______________
• EXPENSES (Money Moving Out) EACH
MONTH
• Rent/Mortgage/Property Tax/Home Insurance
$________________
• Home Repairs and Maintenance (Average)
$________________
• Auto Payments and Auto Insurance
$________________
• Groceries and Household Supplies (Average)
$________________
SNAPSHOT: Your Average Month
• Medical/Dental/Therapy/Prescriptions (Average)
$________________
• Insurance Premiums (Medical, Disability, Life)
$________________
• TOTAL MONTHLY EXPENSES
$________________
Information provided by Brian H. Farr, MA, LPC, NCGC-II
www.1800betsoff.org www.bhfarr.com
Step 3
Budget planning form
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Expense Item
How Much
How Often
Monthly Amount
First Budget Planning form:
clients write down expenses
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Housing
Rent, mortgage
Insurance
Taxes
Electricity
Gas
Water
Sanitation
Automobile
Payment – 1
Payment – 2
Insurance
Gas
Maintenance
License/Taxes
Other:
Other Transportation
Insurance
Life
Medical
Other:
Financial Planning
Savings
Investments
Retirement
College Savings
Food
Groceries
School lunches
Eating out
Other:
Debts
Credit Card 1
Credit Card 2
Credit Card 3
Loan
Other:
Other:
Debts
Credit Card 1
Credit Card 2
Credit Card 3
Loan
Other:
Other:
Medical
Doctor
Doctor
Dentist
Prescriptions
Other:
Children
Tuition
Child Care
Activities/Sports
Babysitter
Academic materials
Hair cuts
Clothing
Allowance
Child support paid out
Other:
Other:
Recreation/Entertainment
Activities
Vacations/Trips
Subscriptions
Club Membership
Other:
Adults
Barber
Beauty Salon
Clothing
Cell phone
Alimony paid out
Toiletries
Cosmetics
Union/Club dues
Counseling/Therapy
Other:
Other:
Miscellaneous
Pet Food
Pet Care
Cleaning supplies
Laundry supplies
‘Paper’ goods
Postage
Film/Photos
Other:
Other:
Gifts
Monetary donations
Christmas/Holiday
Birthdays/Anniversaries
Cards
Other:
Other:
Income Source
Primary Employment
Secondary Employment
Inheritance
Child Support
Alimony
Disability
State Assistance
Property Income
Spouse or S.O.’s Income
Donations/Gifts
Other
Other
Total Income:
Minus Expenses:
Total amount available for repayment:
List of Creditors
This sheet is to compile the list of bills that are not regular monthly expenses which would go on your Expense Sheet.
Here, list all other “onetime” bills in the following order: 1) Bad checks or debts for which you may be prosecuted, 2) Court ordered judgments,
3) Credit Unions,
4) Bank or Finance Company loans, 5) Back Taxes, 6) Credit Cards, 7) Bookmakers and loan sharks, 8) Family and Friends, 9) Other
Creditor Name
Balance
Owed
Payment
Due
Monthly
Payment
Months in
Default
Co-Signer
Step 4
Review budget planning form
• [email protected]
• Email and ask for word documents of all
following forms
Creating a Realistic Spending Plan
• Write out a plan
• List monthly sources of income
• List extra sources of income
• List basic monthly household
expenses
Spending Plan-Step 1
Identify Income Sources
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Wages after taxes (Gambler)
Tips/Commissions (Average each
month)
Pension/Retirement plan benefits
Unemployment benefits
Food stamps
Trust fund
• Wages after taxes (Others)
• Investment income (dividends,
interest, etc.)
• Social security
• Welfare payments
• Child support/alimony
payments
• Other
www.1800betsoff.org
Tool Chest
http://www.fool.com/personalfinance/general/2007/08/28/budgeting-101.aspx
Motley Fool website
Spending Plan-Step 2
List Expenses
Rent/mortgage payment, groceries (average), utilities (average),
telephone, home maintenance/repair (average), savings, clothing
(average), car payment, car insurance/gas/repairs (average), other
transportation, life/medical insurance premiums (average),
homeowners/renters insurance, medical bills (average), child care,
gambler’s allowance, loans/credit card payments, taxes,
entertainment (average), cable TV, meals out (average), sports
activities/events (average), charitable contributions, gifts (average),
cigarettes/alcohol (average), long distance telephone (average),
travel/vacations (average), gambling debts (this guide will explain
later why this should be a low priority), other
Total Expenses $____________________
Determine the Amount of Debt and
List Creditors
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Car loans
Credit Cards
Home equity loans or second mortgages
Furniture loans
Department stores
Payday loans
Bank loans
Medical bills
Utility bills
Back taxes
Child support
Education loans
Spending Plan-Step 3
Compare Income/Expenses
• Total Income from Step 1
$___________
• Total Income from Step 2
$___________
• Subtract expenses from Income
$__________
Spending Plan-Step 4
Make Adjustments
If there is not enough income to cover expenses,
you have three choices:
• Earn additional income, such as through a
second job or a better paying job
• Reduce expenses
• Reduce expenses and boost income
Income and expenses change over time. Review
the spending plan every few months and make
adjustments if necessary
Monthly Financial Report
Gross Income
Salary
Dividends/Interest
Other
LESS:
1. Giving
2. Taxes
NET SPENDABLE INCOME
Identifying Assets and
Sources of Income
Items missing from the house
• Furniture
• Appliances
• Other valuables that could have been sold for cash
• A check from an insurance company to pay for
property damage (such as roof or car)
• Ignoring financial obligations, such as quarterly
estimated tax payments
• Is there a chance the gambler may try to sell
personal assets through an on-line auction?
Budget Creation Continued
3. Housing
Mortgage/Rent
Insurance
Taxes
Electricity
Gas
Water
Sanitation
Telephone
Maintenance
Other:
Amount
Budget Creation Continued
4. Food
School Lunch
Groceries
5. Automobiles
Payments
Gas
Insurance
License/Taxes
Maintenance
Other Transportation
Other:
Amount
Budget Creation Continued
6. Insurance
Life
Medical
Other
7. Debts
Credit Cards
Loans
Other
Amount
8. Recreational
Eating Out
Activities
Trips/Vacations
Subscriptions
Cable
Internet
Club memberships
Babysitter
Other:
amount
Needed?
Budget Creation Continued
9. Clothing
Adults
Children
10. Financial Planning
Savings
Investments
Retirement
College Savings
Amount
Needed?
Budget Creation Continued
11. Medical
Doctors
Dentist
Prescriptions
Counseling/Therapy
Other:
Amount
Behind?
Budgeting Monies For Gambling
Treatment
The treatment of a gambling addiction can be difficult, timeconsuming, and costly. Most medical insurance policies
and managed care providers don’t pay for the treatment.
Some health plan carriers pay for treatment only if the
patient suffers from additional disorders such as
alcoholism, drug addiction, or depression. Consequently,
the gambler may need to pay for treatment out of his or
her pocket and this must be factored into the budget.
Gambling clients may ask you to reduce fees because of
financial problems. Experts commonly recommend that
therapists no reduce fees as this is seen as another form
of bailout.
Budget Creation Continued
12. Miscellaneous
Pet Food/Care
Cleaning Supplies
Paper/Plastic goods
Laundry and supplies
Postage
Film/Photos
Hair Care
Toiletries/Cosmetics
Other:
Other:
Amount
Budget Creation Continued
13. Children
Child support paid out
Tuition
Child Care
Activities/Sports
School Materials
Allowance
Other:
Other:
Amount
Budget Creation Continued
14. Adults
Alimony paid out
Union/Club dues
Cell Phone
Allowance
Other:
Other:
15. Gifts
Monetary Donations
Christmas/Holidays
Birthdays/Anniversaries
Cards
Other:
Amount
Budget Creation Continued
15. Gifts
Monetary Donations
Christmas/Holidays
Birthdays/Anniversaries
Cards
Other:
Amount
Final stage of Budget
Amount
Total Expenses
INCOME VS. EXPENSES
Net Spendable Income
Less Expenses
TOTAL
Child support received
Alimony Received
Unallocated Surplus
Adjusted Total
Step 5
Prioritize bills to be paid off
• Concentrate on emergency needs first
(mortgage, electric bill, gas, childcare)
• Second medical and auto insurance needs
• Third high interest loans (credit cards cash
advance)
• Fourth Friends and family
• Fifth Illegal loans etc
Important Questions
• Do you have any legal charges pending
or fear of possible charges, i.e.
insufficient fund checks, kited checks,
advanced checks, theft, embezzlement,
drug charges, forgery, credit card theft,
insurance fraud, DWI, back child
support, assault?
A Chance for Change Book 5: Florida Council on Compulsive
Gambling
Important Questions (cont.)
• Outstanding Debt
Mortgages, 1st, 2nd, 3rd
Life Insurance
Credit Card Debt
Utilities
Car Payments
Child Support
Business Loan
Important Questions (cont.)
• Outstanding Debt
Friends & Family
Bookies
Check Advance
Gambling Establishments
Collection Agencies
Courts, Fines, Restitution
Internet Gambling, Credit Reports
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Is there a computer in the house that’s
hooked up to the Internet? Web
browsers, the software that allows the
user to navigate the Web, contain a
record of what Web sites were recently
visited. A check of Web browsers
might reveal on-line gambling.
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Credit reports can be obtained from
one of three credit bureaus:
• Equifax (800) 685-1111
• Experian (888) 397-3742
• Trans Union (800) 645-1933
• http://www.ftc.gov/freereports
https://www.annualcreditreport.com
/cra/index.jsp
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How to reduce credit card offers
• Call 1-888-567-8688 and ask for your
name to be removed from the mailing list.
Possible Immediate
Financial Actions
Working With the Loved One
1.
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7.
Provide an overview of the strategies problem gamblers might take.
Explain the possible financial consequences of continuing to gamble.
Ask the gambler to list his/her creditors and how much they are owed.
Have the non-gambler hide, cut up or cancel credit cards.
Have the non-gambler change the personal identification numbers.
Store valuables in a safe-deposit box.
Recommend that someone other than the gambler take over paying
household bills.
Personal Financial Strategies for Loved ones: SAMHSA's National
Clearinghouse for ALCOHOL and DRUG INFORMATION P.O. Box
2345 .... Pueblo, CO 81009 (800) 333-4636
How to Work Financially with the
Problem Gambler
At a minimum, there are financial issues you should be
familiar with in order to help the gambler recover.
These actions include:
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Identifying income and assets the gambler can use to feed his/her
habit
Establishing a spending plan
Shifting control of the finances to the non-gambler
Setting up a repayment plan for gambling and non-gambling debts
Avoiding bankruptcy
Deciding whether to have an investment program
Possible Immediate
Financial Actions
• The loved ones may have been “bailing
out” the gambler on occasion by loaning
him/her money to satisfy gambling debts.
• Refusing bailouts not only slows or stops
the financial bleeding, but may force the
problem gambler to finally confront his/her
addiction.
The Gambler’s Stash
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A “stash” is any source for cash
that the problem gambler does not
disclose to a spouse, partner,
treatment professional, financial
advisor, or others attempting to
help the gambler’s recovery. It
might be cash stuffed in an
unknown safe deposit box, an
unreported credit card, pawned
jewelry, unreported pay from work,
a secret bank account, or
individuals such as a loan shark.
Income from a business the
gambler owns, especially a
business that deals a lot in cash
can be easy to hide.
The Gambler’s Stash
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To uncover these stashes, begin
by asking the problem gambler to
tell you about them. Be firm and
blunt. “Jog” the gambler’s memory
by suggesting places he/she may
have hidden money—just in case
the gambler “can’t remember.”
Emphasize that lack of
cooperation and honesty will only
make the financial and
psychological recovery efforts
more difficult. A loved one familiar
with the gambler’s finances also
may be able to help the gambler
remember.
Pay Your Monthly Bills Simply
The Envelope Method
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Manage your monthly payments with a simple system that keeps everything
you need in one place. After you establish the system, you will find that
paying your bills becomes more streamlined and less of a struggle.
Bill-Paying Kit (to keep everything you need in one place)
► Some large manila envelopes labeled:
■ “Bills to be paid by the 10th”
■ “Bills to be paid by the 25th”
■ “Charge card receipts”
■ “Paid” – you’ll need a new “Paid” envelope for each month (or quarter).
► Stamps
► Blank envelopes and return address labels
► Small calculator, pens, pencils, markers
► Zip-Loc bag for keeping smaller items together
► Basket, bag or folder that is large enough to hold all the items in your Kit
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http://www.betterbudgeting.com/articles/money/budgetbuilding101.htm
http://financialsoft.about.com/od/glossaryindexe/f/Envelope_Budget.htm
Pay Your Monthly Bills Simply
The Envelope Method
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Bill-Paying System
On your calendar, write yourself reminders on the 10th and the 25th of each
month: “Pay Bills”.
When you receive a bill or statement, open the envelope on the same day it
arrives. Keep only the bill and the return envelope. Toss any offers, notices
or other loose papers. Put the bill into the manila envelope labeled “Bills to
be paid by the 10th” or “Bills to be paid by the 25th”.
On the 10th of the month and the 25th of the month, take out your BillPaying Kit.
1. Before you write this month’s check, look at the balance on the current
bill or statement to verify that last month’s payment was credited to your
account.
2. Write the check, and write your account number on the face of the check
to ensure that your payment will be properly credited.
Pay Your Monthly Bills Simply
The Envelope Method
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3. Enter the check number and the payment amount into your check
register.
4. Write the payment amount, the check number and the date on the face of
the bill or statement. Put the bill or statement into the “Paid” envelope for
this month (or quarter).
5. Put a stamp on the return envelope. Put the check and the return
statement inside, making sure that the address shows in the envelope
window.
6. Put stamped envelopes in your coat pocket or on top of your briefcase or
purse for mailing.
If you like technology – and if you are comfortable with technology – you
may want to investigate electronic bill paying. Automatic deductions and/or
Internet bill-paying can simplify financial paperwork. Of course, electronic
bill-paying is not a good idea if your bank accounts are not stable, i.e., if you
frequently have over-drafts.
Source: ADD Friendly Ways to Organize Your Life, Judith Kolberg &
Kathleen Nadeau; adapted by Brian H. Farr, MA, 2005 www.bhfarr.com
Tips On Cutting Expenses
• Sticking to a shopping
list
• Shopping for bargains
and sales
• Comparing prices
• Using coupons
• Eating out less often
•
http://www.bellaonline.com/articles/art34742
.asp
Additional Budgeting Tips
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Recommend breaking larger
periodic bills (i.e. auto insurance)
into smaller monthly bills
Have a non-gambling significant
other put that amount each month
into savings account or cash in
envelope
If an envelope is used, it should
be hidden from the gambler
Advise gambler to use small
notebook for tracking
miscellaneous cash expenses
(coffee, movie, etc.). Incorporate
into spending plan
Have gambler mark on calendar
when bills are due. Bills paid on
time improve individual’s credit
rating and eliminate the expense
of late payment charges
Limiting Gambler’s Access To Money
• Have a spouse, partner,
parents, a trusted friend or
relative, or a third party serve
as a “roadblock” to the
gambler’s money
• Can be as simple as putting
the problem gambler on an
allowance or as extensive as
transferring legal control of all
assets into the sole name of
the trusted individual
• Before taking drastic financial
steps, encourage the family to
seek professional financial,
tax, and/or legal advise
Establish Controls For Paying
Household Bills
• Non-gambler assume management of daily household
finances (includes payment of all bills). Gambler may
assist, but only under supervision
• Pay as many bills possible automatically through bank or
credit union
• Paychecks, social security, pension payments, etc.
should be automatically deposited whenever possible
• For checks that cannot be deposited automatically, the
gambler should be encouraged to hand over the checks
to a non-gambler to deposit into the appropriate
accounts
Retirement Accounts
• Gambler who raids
retirement accounts for
gambling funds subjects
those withdrawals to
income and penalty taxes
• The money taken out can
no longer grow tax
deferred
• Gambler may have to
face the possibility that
he/she can never afford
to retire
Mortgage Refinancing Or Home
Equity Loans
• If gambler fails to repay the loan, he/she
could lose the family’s home
• One way to reduce the risk is for the
gambler to transfer ownership of the home
so he/she doesn’t have access to loan
monies
Gambling Winnings
• Any gambling winnings won while
gambling in treatment should not go
toward paying bills
• Money should be put in childrens’ trust or
• Money should be donated to charity
• NO WINNINGS SHOULD CONTRIBUTE
TO ALLIEVIATING GAMBLING
PROBLEM
Repaying Gambling Debts
• Debts may be a major
cause of friction and
worry in household
• Relieving the debt burden
can reduce the problem
gambler’s anxiety and
guilt, and help in recovery
• Debt repayment must be
done in a way that is
different from how a nongambling household
would normally reduce
debt
Establish A Debt Repayment Plan
• Avoid quick repayment of debts, especially
gambling debts. Although this means higher
total interest payments, it reminds the gambler of
the nightmare that his/her addiction has created
• Avoid loan consolidations or refinancing a home.
This may embolden the gambler to return to
betting and pile new debt on old
• Some debts may require a higher priority than
others. Some creditors may not accept reduced
payments. Creditors with secured loans may
threaten to repossess the property
Tax Issues
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Problem gamblers often owe back
income taxes, resulting in additional
penalties and interest charges
Gamblers often underreport their
income
Although the gambler ideally should
have stopped gambling at this point,
taxes may be owed on previous
winnings. Unless gambler has carefully
documented losses, he/she won’t be
able to write off losses against any
wins
Money pulled out of tax-deferred
retirement accounts to pay gambling
debts is subject to regular income
taxes. Younger than 59 ½ years will
probably have to pay 10% penalty
“Gamblers often underreport their
income. If the IRS catches them, it
will assess back taxes, penalties,
and interest.”
http://www.irs.gov/faqs/index.html tax
questions
Declaring Bankruptcy Is A Last Resort
• Chapter 13
http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter13.aspx
Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter
13 relief as long as the individual's unsecured debts are less than $360,475 and secured debts
are less than $1,081,400. 11 U.S.C. § 109(e). These amounts are adjusted periodically to reflect
changes in the consumer price index. A corporation or partnership may not be a chapter 13
debtor. Id.
An individual cannot file under chapter 13 or any other chapter if, during the preceding 180 days, a
prior bankruptcy petition was dismissed due to the debtor's willful failure to appear before the
court or comply with orders of the court or was voluntarily dismissed after creditors sought relief
from the bankruptcy court to recover property upon which they hold liens. 11 U.S.C. §§ 109(g),
362(d) and (e). In addition, no individual may be a debtor under chapter 13 or any chapter of the
Bankruptcy Code unless he or she has, within 180 days before filing, received credit counseling
from an approved credit counseling agency either in an individual or group briefing. 11 U.S.C. §§
109, 111. There are exceptions in emergency situations or where the U.S. trustee (or bankruptcy
administrator) has determined that there are insufficient approved agencies to provide the
required counseling. If a debt management plan is developed during required credit counseling, it
must be filed with the court.
Chapter 7
http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/Chapter7.aspx
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To qualify for relief under chapter 7 of the Bankruptcy Code, the debtor may be an individual, a
partnership, or a corporation or other business entity. 11 U.S.C. §§ 101(41), 109(b). Subject to the
means test described above for individual debtors, relief is available under chapter 7 irrespective
of the amount of the debtor's debts or whether the debtor is solvent or insolvent. An individual
cannot file under chapter 7 or any other chapter, however, if during the preceding 180 days a prior
bankruptcy petition was dismissed due to the debtor's willful failure to appear before the court or
comply with orders of the court, or the debtor voluntarily dismissed the previous case after
creditors sought relief from the bankruptcy court to recover property upon which they hold liens.
11 U.S.C. §§ 109(g), 362(d) and (e). In addition, no individual may be a debtor under chapter 7 or
any chapter of the Bankruptcy Code unless he or she has, within 180 days before filing, received
credit counseling from an approved credit counseling agency either in an individual or group
briefing. 11 U.S.C. §§ 109, 111. There are exceptions in emergency situations or where the U.S.
trustee (or bankruptcy administrator) has determined that there are insufficient approved agencies
to provide the required counseling. If a debt management plan is developed during required credit
counseling, it must be filed with the court.
One of the primary purposes of bankruptcy is to discharge certain debts to give an honest
individual debtor a "fresh start." The debtor has no liability for discharged debts. In a chapter 7
case, however, a discharge is only available to individual debtors, not to partnerships or
corporations. 11 U.S.C. § 727(a)(1). Although an individual chapter 7 case usually results in a
discharge of debts, the right to a discharge is not absolute, and some types of debts are not
discharged. Moreover, a bankruptcy discharge does not extinguish a lien on property.
Where to find forms
• http://www.idph.state.ia.us/IGTP/Toolch
est.aspx
• [email protected] (request financial
forms
• http://www.fool.com/personalfinance/general/2007/08/28/budgeting101.aspx
• Motley Fool website
For more information contact:
Jerry Bauerkemper
NCCG
402-699-6810
[email protected]
Nebraskacouncil.com