Action Steps

ACTION STEPS

Cut up credit cards. Only keep one low interest card for emergencies.

Make a record of your spending. (see Crown expense sheet)

Develop a budget and stick to it.

If you have dug yourself into a hole financially, stop digging! Take an honest look and your situation, develop a plan, and find someone who will keep you accountable!

Practice disciplined saving and giving.

Think before buying: Is this a need or want?

Develop a plan to pay off debt. (www.crown.org)

Eat out less.

Go shopping less.

 Stay off of E-bay(great place to shop for a need but a dangerous hobby!

Meet with Crown counselor(Call the church office.  These counselors do this as a ministry and are free.)

Enroll in a Crown course at Beach (Orientation is January 30)