<CENTER><H1><B>INVESTING IN YOUR LIFE</B></H1>
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<FONT SIZE=4><CENTER><B>GETTING STARTED</B></CENTER><P>
If you are throwing out your financial and account records as soon as you
pay the bills, STOP DOING THIS IMMEDIATELY. When you pay taxes, make
up your budgit you will need these records.<p>
Before filling out the attached financial worksheets, gather all of your
financial records for the last year in one place.<p>
Go to a office supply store and buy one accordion file and about twenty
manila folders. Then make up a folder for each creditor (including credit
card companies, utilities, bank loans, student loans, etc.).<p>
The first manila folder in the accordion file should be labeled Unfiled
Records. Whenever you mail a payment and don't have the time to put it into
the right file, place it in this folder. When a rainy comes along, and it
will, put your unfiled financial records in the appropriate file.<p>
You create one folder for your lease or mortgage agreements, information on
insurance coverage, warranty agreements, loan contracts, stocks, bonds,
mutual funds, employee benefits and any other information having to do with
spending, saving or making money, one for each of the last five years,<p>
Keep these records up to date and in a safe place.
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