Name that Challenge
"I absolutely have to buy this shirt now even if I do not have the money"
What is impulsivity?
POA is an acronym for___
What is Power of Attorney
When you do this, you are simply balancing your expenses with your income.
What is budgeting?
When she no longer needs documents that contain private information, such as her social security number or credit card number, Susan always does this.
Shreds the documents
These are some advantages of credit
What is convenience, immediate purchasing power, no need for cash, bills can be consolidated, and it provides a record of purchases
"I simply cannot find that bill anywhere in this pile!"
What is disorganization?
A supportive friend, social worker, lawyer, financial planner, adviser, financial counselor could perform this role.
What is a Trusted Adviser
Fixed expenses stay the same every month, but these expenses change from month to month.
What are flexible expenses?
While doing this, Bill discovered a charge for a flat screen TV that he didn't purchase.
What is reviewing/reading his monthly credit card statement.
Your credit history includes several items, including...
What is how promptly you paid off credit cards and loans, how reliably you have paid bills, your outstanding debts, and your available credit
"He sounded like a sincere person on the phone when he asked me for my credit card number."
What is judgment?
When choosing a Trusted Adviser and/or Power of Attorney, this is an important characteristic to consider.
What is trustworthy; fair-minded; committed to protecting your wishes and values; and takes this role seriously.
The goal is for your income to be greater than or equal to this.
What are expenses?
Once a year, make time to check this for accuracy. It is free.
Your Credit Report
This is simply the best way to establish good credit
What is "pay my bills on time"
"I stored my passwords in a little book and now I cannot find the book."
What is memory?
If I do not agree with the recommendation to work with a Trusted Adviser or choose a POA, I can always discuss it with this member of my CTN treatment team.
What is my neuropsychologist or rehab psychologist.
What is an app?
These three agencies will provide the reports free of charge and it is a good strategy to spread out your requests throughout the year.
What is Experian, TransUnion and Equifax.
Credit cards can be handy, but best to save them for these types of purchases
What is budgeted purchases or emergencies
"I am determined to manage my money on my own; I don't need anyone to help me."
What is awareness of my challenges?
This person can help you review and understand your SSI and SSDI benefits to determine how much money you can make. She also provides education on additional services available
What is a Social Worker
It is important to budget for the "unexpected" by developing this
What is an Emergency Fund
It is recommended that you never carry this card with you
Social Security Card
Paying attention to your credit score is important for many life tasks such as buying a car, renting an apartment, applying for a ____ (Hint: think about the program you are in at CTN)
What is applying for jobs