Top Signs You Top Signs You Know You’re BrokeKnow You’re Broke

American Express American Express calls and says: calls and says: "Leave home "Leave home without it!"without it!"

You're formulating You're formulating a plan to rob the a plan to rob the

food bank food bank

Long distance Long distance companies don't companies don't

call you to switch call you to switch

Your rob Peter...and Your rob Peter...and then rob Paul then rob Paul

You think of a You think of a lottery ticket as an lottery ticket as an

investment investment

Your bologna has Your bologna has no first name no first name

McDonalds McDonalds supplies you with supplies you with all your kitchen all your kitchen

condiments condiments

Panelist Question Panelist Question and Answerand Answer

Q:Q: I’ve got a ‘lump I’ve got a ‘lump sum’ of money- sum’ of money- should I pay off should I pay off

high interest debt high interest debt or save for a ‘rainy or save for a ‘rainy

day’?day’?

Q: Should a person Q: Should a person tithe over 10% if they tithe over 10% if they

have credit card have credit card debt?debt?

Q: How do you get Q: How do you get your spouse involved your spouse involved with finances if they’re with finances if they’re

currently not currently not involved?involved?

Q: What do you do if Q: What do you do if your spouse is not a your spouse is not a

believer when it believer when it comes to comes to

tithing/offerings? tithing/offerings?

Q: Is it ok to use Q: Is it ok to use credit cards to make credit cards to make the most of coupons, the most of coupons, sales, discounts, etc sales, discounts, etc offered with credit offered with credit

cards? cards?

Q: Do you have any Q: Do you have any investment type of investment type of

advice? advice?

Q: My spouse and I Q: My spouse and I currently have separate currently have separate checking accounts. Is checking accounts. Is

this as a problem? this as a problem?

Q: Q: Should you tithe off Should you tithe off of your net paycheck or of your net paycheck or off of the gross amount?off of the gross amount?

Q: Q: When you talk about When you talk about giving 10%, is that 10% giving 10%, is that 10% just to the church (like just to the church (like Hillcrest) or does that Hillcrest) or does that include all of the other include all of the other charities and groups charities and groups

that I give to?that I give to?

Q: Should I consolidate Q: Should I consolidate my student loans before my student loans before

interest rates rise in interest rates rise in July?July?

Q: I’m the parent of a Q: I’m the parent of a student going to student going to

college/about to go to college/about to go to college- how much debt college- how much debt

should I take out for should I take out for their education? How their education? How much debt should they much debt should they

take out?take out?

Q: Q: My car needs to be My car needs to be fixed and I haven’t put fixed and I haven’t put

enough money away yet enough money away yet to fix it- is it ok to put to fix it- is it ok to put this expense on my this expense on my

credit card and pay it off credit card and pay it off over time?over time?

Q: Q: We live off of a variable We live off of a variable income and find it difficult to income and find it difficult to predict each month what’s predict each month what’s

coming in- any suggestions? coming in- any suggestions? Is it ok to use a credit card Is it ok to use a credit card when income is less than when income is less than

expected and pay it off when expected and pay it off when more income comes in?more income comes in?

Q: Q: We live off of a variable We live off of a variable income and find it difficult to income and find it difficult to predict each month what’s predict each month what’s

coming in- any suggestions? coming in- any suggestions? Is it ok to use a credit card Is it ok to use a credit card when income is less than when income is less than

expected and pay it off when expected and pay it off when more income comes in?more income comes in?

Additional Questions Additional Questions (as time permits)(as time permits)