PART I: ESTABLISHING A BASELINE Pre-test ................................................................................................................. 9 Understanding the language ................................................................................ 11 Your financial situation ........................................................................................ 17 Activity1: Where did my pay check go?................................................................ 18 Activity2: My income.......................................................................................... 21 Activity 3: Living within your means .................................................................... 22 PART II: PUSHING TO IMPROVE Reading Assignment 1: What You Think Is What You Are....................................... 29 Activity 1: Reflect on Your Inner Angel and Your Inner Beast ................................ 30 Reading Assignment 2: Making the Forces of the Universe Work For You............... 32 Activity 2: The First Step is Knowing..................................................................... 34 Reading Assignment 3: Budgeting: Learning How to Live God's Way ..................... 35 Activity 3: What's truly important? ....................................................................... 37 Reading Assignment 4: Filling the Void Without Emptying Your Pockets................ 42 PART III: REFLECTIVE PRACTICE Improving purchasing decisions........................................................................... 46 Reading Assignment 1.......................................................................................... 47 Reading Assignment 2.......................................................................................... 48 Activity 1: My Dream House.................................................................................. 50 Activity 2: Minimum Requirements for My Dream House ...................................... 53 Reading Assignment 3 ......................................................................................... 59 Reflection activity ................................................................................................ 61 Examining your expenses..................................................................................... 63 Activity 3: Fixed versus variable .......................................................................... 63 Activity4: Wantsversusneeds............................................................................ 64 Reading Assignment 4 ......................................................................................... 65 Activity 5: Fees and charges - the hidden costs .................................................... 69 PART IV: TOWARDS A BETTER WORLD! Activity 1: Your Spouse Your Life...Making Covenants........................................... 73 Activity 2: Tzedakah and Tithing- The Concepts ................................................... 77 Reading Assignment 1: Connecting to the universe .............................................. 79 Activity 3: Charity organizations and causes in your local community ................... 81 Activity 4: A puzzle of concepts............................................................................ 83 Activity 5: Your action plan .................................................................................. 85 Post-test ............................................................................................................ 89 Answers .............................................................................................................. 93 Reflection: Remember These!...............................................................................