Christine Bates

Based on the Kaizen Model 1% Better Everyday is a great educational read to understand small changes can make large impacts with time. Hope you enjoy and share.

Budget Worksheet Options in 2 different views to allow for personal preference when creating a budget in excel. These are great learning tools to help students and adults understand the budgeting process. Easy to use including multiple tabs.

It is important to organize financial information and have a resource for family as needed. This worksheet is ready for inputs to stay organized with finances. It is a great tool to keep up to date. Be sure to regularly download to a USB for backups as needed. Hope this helps in keeping you financially organized.

This manual is an all inclusive training module for critical thinking. Includes an instructor guide as well. Dig deep into critical thinking skills to assist in the understanding of this lesson.

Personal Finance is not part of curriculum in High School and College. This exercise begins to prepare students for the real world by changing there mindset of living paycheck to paycheck to following their dreams creating passive income. It is important to work to learn rather than work for money. Hope you enjoy and find helpful.