Personal Financial Management (PFM) Lesson

“Your Four, Interrelated Control Documents – 4 !”

There are four control documents for your personal financial management (PFM):

(1)   Net Worth Statement (the money you get to keep)

(2)   Non-routine expenses (money future)

(3)   Creditors (money past)

(4)   Total budget (money present, with past and future)

    The illustrations and resources listed in this presentation are for educational purposes only.  Each person and family has their own, unique financial situation, so everyone should use their best judgment when making decisions.  The advice provided is no substitute for a financial planner, counselor, advisor or lawyer.  The educational material is not be construed as an endorsement or an exclusion of equally fine products and services.  Please do review the lessons for educational purposes and to expand your concepts and $-knowledge.

    Army Community Service (ACS) at Rock Island Arsenal (RIA) has a lending and reference library where you can receive or checkout the references listed in the lesson.

     The lessons are in MS Word, PowerPoint and Excel, plus Adobe Acrobat Reader (.pdf) files.  Start at 1A and proceed at your own pace.  You can left-click on your mouse to open the files; you can right-click on your mouse to download the files.

4_1A Class Handout with Numbers Web 20070420.doc
4_1A Class Handout with Numbers Web 20070420.pdf
4_1B BLS CPI Calculator Slide Page 1B Web 20070420.ppt
4_2B Net Worth Statement page 2B Web 20070420.xls
4_3B Yearly Spending Plan Page 3B Web 20070420.xls
4_4B1 PPay Analysis Slide Page 4B Web 20070420.ppt
4_5B1 Budget_Spending Plan Page 5B Web 20070420.xls
4_5B2 Budget Balance Remaining Worksheet Web 20070420.xls