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What is a debt reduction and management plan and how it works. This is one plan that works for both and is something that should be memorize or place in a place to be view regularly. 

Article Link:

https://www.sofi.com/learn/content/creating-debt-reduction-plan/

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What are the benefits of tracking, and why everyone should be doing this activity. Will go into details of this activity and how to use this information so it not a waste of time.

 Article Links:

https://www.nerdwallet.com/article/finance/tracking-monthly-expenses 

 https://bethebudget.com/reasons-to-track-your-expenses/

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Increase wealth can be difficult for most, the younger getting started and staying focus can make this happen much earlier in life. Put yourself first in life and start taking the steps needed to be better financially sooner.

 Article Link:

https://www.investopedia.com/terms/w/wealth.asp#:~:text=Wealth%20measures%20the%20value%20of,the%20accumulation%20of%20scarce%20resources. By the Investopedia Team

https://www.guardianlife.com/investments/how-to-build-wealth

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How to plan for tough times and be ready when troubled times happen. Getting personal finances in order and keeping positive in life. Review goals and changing goals based on what the economy is doing. 

Article Link:
https://www.principal.com/individuals/build-your-knowledge/step-step-guide-build-personal-financial-plan 

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Recession or no recession what to do, but first what is a recession. Then recession proof personal finances to get by until good times are back.

Article Link:
https://www.investopedia.com/terms/r/recession.asp By the Investopedia Team

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What is loan consolidation should it be done and how it is done. Will give another way to reduce debt if unable to get loan consolidation1. 

Article Link: 

https://www.consumerfinance.gov/ask-cfpb/what-do-i-need-to-know-if-im-thinking-about-consolidating-my-credit-card-debt-en-1861 

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The first step in saving money is reducing the spending. Then keeping spending under control will increase the saving rate. Getting debt reduce, reduce spending and increasing income all help and work together to increase savings. 

 Article Links:
https://americasaves.org/resource-center/insights/54-ways-to-save-money/

https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/ways-to-save-money 

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How to create a budget using a spreadsheet made simple. This is the easiest way to create a budget using a spreadsheet, going to explain how this is done, giving easy to follow instructions. Will include setting up subtotals within each category and the reasons to do so. 

 Article Link:

https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget

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At some point everyone should start tracking expenses and income then finally create and maintain a budget. Why is this important to complete goals, have money for the troubled times, just to have piece of mind overall in life.

Article Link:
https://www.nerdwallet.com/article/finance/expense-tracker-apps By Hal M Bundrick, CFP

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Those that are having problems with debt and need to quit using credit this will help in getting that problem solved. A debt reduction plan should be quit using credit, but this may be a problem for most people. 

 Article Links

https://www.citizensbank.com/learning/when-to-use-cash-credit-debit.aspx 

https://www.realsimple.com/work-life/money/debit-vs-credit-card
 By Hiranmayi Srinivasan

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