PERSONAL FINANCE EMPOWERMENT WORKSHOPS Financially S.M.A.R.T. Services offers interactive workshops that impart vital information about managing, multiplying and maintaining your money. THE ESSENTIALS OF PERSONAL FINANCE This customisable workshop comprises twelve one-hour modules which can be selected individually or combined into a comprehensive seminar covering all the areas of interest. Budgeting Basics Budgeting is the foundation to financial success. Proper budgeting gives you the ability to plan for your annual spending and to know if your income will meet your needs. Learn how to make a realistic budget and stick to it every month. The Art of Saving Saving is an important habit that will set the base to a solid financial future. Learn how to start a saving plan, the best places to save to match your objectives, and the important factors that help money to grow over time. Dealing With Debt Debt does not have to be negative, unless you allow it to get out of control. Learn the differences between good debt and bad debt, so that you can use good debt to your advantage and break free of bad debt forever. Achieving Financial Goals Financial goals can be achieved once you understand the steps to success. Learn how to create financial dreams, convert those dreams into goals, create a plan to achieve these goals, and keep your goals on track until they are realised. Creating Extra Income Extra sources of income are often needed to achieve your financial goals. Learn how to earn more on the job or create your own income by finding a need and filling it, finding a problem and solving it, or finding your talent and marketing it. Investing 101 Smart investing can help you to achieve your financial goals. Learn some of the major ways to invest your money, and discover how factors such as taxes and inflation can affect your investments. Starting a Small Business A small business can be your ticket to financial freedom. Before you get started on the road to self-employment, learn how to find a business idea that’s perfect for you, write a simple business plan, and adopt the attitudes and behaviours that will bring business success. Passive Income Opportunities Income-generating opportunities abound if you know where to look. Learn how to make your money work for you, create a cash-cow business that supplies continuous inflows, and leverage the work of others. Managing Money Risks Risk is the probability that your financial plans will not turn out the way you desired. Learn how to manage investing risks and personal risks to ensure that your money is protected and your goals are achieved. Stress-Free Retirement (Planning / Lifestyle) You have to plan for a stress-free retirement, as building a nest egg might take more money and time than you think. Learn how much it will cost to live comfortably in retirement and the amount of savings that will be required. If you’re about to become, or are already retired, learn how to budget properly and what to do if your savings won’t be enough to last throughout retirement. 6 Haining Road, Kingston 5, Jamaica (tel/fax) 876.908.0223 (email) admin@financiallysmartonline.com www.financiallysmartonline.com
THE ESSENTIALS OF PERSONAL FINANCE (cont’d) Estate Planning Proper estate planning will ensure that you don’t leave your loved ones in confusion about your finances after you’ve died. Learn how to make a plan to transfer your property according to your wishes, and how to preserve the value of your assets as much as possible. True Financial Freedom Financial freedom is not just about being wealthy, it’s about how you feel about your money, and how you use it to help others. Learn how to experience financial wellness and abundance and enjoy your money to the fullest.
HOW TO SURVIVE & SUCCEED IN A TOUGH ECONOMY Learn simple strategies to survive and succeed financially despite challenging economic times in this practical one-hour presentation. THE 3 Ms OF MONEY: A Recipe for Financial Success The 12 financial success principles of managing, multiplying and maintaining your money are revealed in a concise one-hour presentation. THE 3 Ms OF MONEY: The Building Blocks of Financial Success The 12 financial success principles of managing, multiplying and maintaining your money are explained in a comprehensive two-hour workshop. MORE MONEY: 101 MONEY MAKING IDEAS Income-earning opportunities abound, but most people don’t know where to find them. Learn some simple options to earn extra money or start your own business in this revealing two-hour workshop. FINANCIAL PLANNING THE JAMAICAN WAY Old-time Jamaican wisdom meets modern-day personal finance in this unique two-hour workshop. Learn the 12 financial success principles of managing, multiplying and maintaining your money, against the background of thought-provoking Jamaican proverbs. BIBLICAL PRINCIPLES FOR FINANCIAL SUCCESS The Holy Bible imparts a lot of information about how we should deal with money. Learn the 12 financial success principles of managing, multiplying and maintaining your money using biblical teachings, in this insightful three-hour workshop. DEBT DYNAMICS This down-to-earth two-hour workshop provides an in-depth understanding of loans to help you decide if borrowing is right for you. Learn how to profit from ‘good’ debt; and how to create a workable strategy to eliminate your ‘bad’ debt forever.
Workbooks & Custom Courses To enhance the learning experience, an accompanying workbook has been designed for each workshop. Workbooks are optional and costs vary depending on the courses selected. Our personal finance course material can be customised to meet your organisation’s requirements. We can also take care of the complete arrangements for training location and refreshments. Please call or email us to discuss costing for all our training packages. 6 Haining Road, Kingston 5, Jamaica (tel/fax) 876.908.0223 (email) admin@financiallysmartonline.com www.financiallysmartonline.com
TRAINER Cherryl Hanson Simpson Cherryl Hanson Simpson, a personal finance consultant and coach, is the founder of Financially S.M.A.R.T. Services, a business focusing on the teaching of financial concepts through the media and seminars, and the production of personal finance resources relevant to the Jamaican market. Its mission is to bring the key ingredient of financial success - education - to the reach of all, by being the number one source for practical, down-to-earth and independent answers for all questions relating to personal finance. Cherryl worked for several years at Jamaica Money Market Brokers, a leading financial institution. There she played an integral role in the design and successful implementation of the company’s financial planning services, aimed at helping each client realize his or her financial goals. Cherryl has also had extensive lecturing experience with FitzRitson and Associates, where she trained industry practitioners and investors on the Fundamentals of Portfolio Management. Cherryl contributes articles on financial planning and entrepreneurship to local and international publications including a weekly column in the Jamaica Observer, and an online business publication available at www.yourmoneyezine.com. She has also appeared on local television and radio shows to discuss financial issues. Her work can be viewed on www.financiallysmartonline.com and www.financiallysmartadvice.com
TESTIMONIAL “The financial problems of employees are major contributing factors to the lack of productivity, tardiness and absenteeism in the workplace. Financially troubled workers focus more on their money worries than on their jobs, are generally depressed, and are constantly seeking salary increases to make ends meet. “A formal financial education programme that provides employees with a better understanding of personal finance and the skills needed to manage their money and achieve their financial goals, is important for all organisations. Teaching workers about their personal finances can have a better impact on increasing staff morale and productivity, than giving small pay increases that would be almost instantly eroded by inflation. “The Essentials of Personal Finance workshop has relevant and to-the-point material that answers all the critical questions asked by employees about their money, and gives practical strategies to achieve financial success.”
Patricia Kitson, Training Officer Jamaica Co-operative Credit Union League
6 Haining Road, Kingston 5, Jamaica (tel/fax) 876.908.0223 (email) admin@financiallysmartonline.com www.financiallysmartonline.com