Graduate From Being a Saver and Become a SUPERSAVER

SUPERSAVER! OF HOW YOU CAN FROM SAVER TO THE ADVENTURES START SAVE MORE EFFICIENTLY! BUDGETING! %24 MAKE S.M.A.R.T. GOALS LOOK AT YOUR EXPENSES AVOID SPENDING S. (SPECIFIC) M. (MEASURABLE)? A. (ATTAINABLE) R. (RELEVANT)* T. (TIME) Remove unnecessary spend- ing. Give yourself an allowance to curb spending°. It's about how much you SPEND, not MAKE 7. Think, "Where has my money gone?" SAVING THE WORLD... ...ONE SAVER AT A TIME! • Only 37% of Americans have $500 for an emergency®. • Avg. personal saving rates: July 2016 = 5.7%; May 1975 = 17.0%º. • More than 50% of American households have less than 1 month of income saved1º. • 76% of Americans live paycheck-to-paycheck". PowerDverlife.com REFERENCES 1. www.freefrombroke.com, 2. www.thesimpledol- lar.com, 3. www.debtroundup.com/, 4. www.mool- anomy.com/, 5. www.doughroller.net/ 6. www.practicalmoneyskills.com/, 7. www.mytwodollars.com/, 8. www.federalreserve.gov, 9. fred.stlouisfed.org, 10. www.ny- times.com, 11. money.cnn.com