ࡱ> 584  bjbj Arr      -,,,,,,,,,,,,$.{1`,,,,,qqq ,,,q,qq\)L+,` H*,,0-^*2(2,L+L+82+q,,C.-2 : TIPS FOR YOUR SPENDING PLAN Allow for adequate planning time; make your spending plan before the start of the month. List all your monthly expenses. Dont be afraid to change your spending plan, if your circumstances change. Review your budget and make adjustments. No two months are exactly alike. Reduce expenses as much as possible. Pay your bills on time and avoid late fees. Be aware of your bank balance and avoid over draft fees. Avoid ATM fees. Be sure and use only those ATM machines where your bank will not charge you extra fees. Avoid credit cards with annual fees. Be willing to sacrifice on non-essentials. If your budget is tight, skimp on entertainment, eating out, vacation, etc. Do not skimp on savings, except as a last resort. 9>0 1 2 V W X ' ( ) M O ʹ{j{Yj{Yj{Yj{Yj{YHY!hwhyB*OJQJ^Jph!hyhyB*OJQJ^Jph333!hwhyB*OJQJ^Jph333hyB*OJQJ^Jph333hdBB*OJQJ^Jph333!hyh$|B*OJQJ^Jph333!hyhdBB*OJQJ^Jph333!hyh) B*OJQJ^Jph333'hwh$5B*OJQJ\^Jph333 hEt)hdBCJOJQJ^JaJ hEt)h$CJOJQJ^JaJ1 2 W X ( ) N O  & Fdh-DM [$gddBgdydh-DM [$^gdy & Fdh-DM [$gdy$a$gd$ $a$gdEt)O !hyh9\B*OJQJ^Jph333$hhy5B*OJQJ^Jph!hhyB*OJQJ^Jph?0P1F:pnI/ =!"#$% Dp^ 2 0@P`p2( 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p 0@P`p8XV~_HmH nH sH tH @`@ NormalCJ_HaJmH sH tH ^@^ Et) Heading 1$<@&"5CJ KH OJPJQJ\^JaJ DA D Default Paragraph FontRiR  Table Normal4 l4a (k (No List 4U`4 7 Hyperlink >*phDZ@D <f Plain TextCJOJQJ^JaJFV`F FollowedHyperlink >*B* ph*W`!* dBStrong5\4^24 dB Normal (Web)VoAV Et)Heading 1 Char"5CJ KH OJPJQJ\^JaJ D@RD y List Paragraph ^m$PK![Content_Types].xmlN0EH-J@%ǎǢ|ș$زULTB l,3;rØJB+$G]7O٭V$ !)O^rC$y@/yH*񄴽)޵߻UDb`}"qۋJחX^)I`nEp)liV[]1M<OP6r=zgbIguSebORD۫qu gZo~ٺlAplxpT0+[}`jzAV2Fi@qv֬5\|ʜ̭NleXdsjcs7f W+Ն7`g ȘJj|h(KD- dXiJ؇(x$( :;˹! I_TS 1?E??ZBΪmU/?~xY'y5g&΋/ɋ>GMGeD3Vq%'#q$8K)fw9:ĵ x}rxwr:\TZaG*y8IjbRc|XŻǿI u3KGnD1NIBs RuK>V.EL+M2#'fi ~V vl{u8zH *:(W☕ ~JTe\O*tHGHY}KNP*ݾ˦TѼ9/#A7qZ$*c?qUnwN%Oi4 =3N)cbJ uV4(Tn 7_?m-ٛ{UBwznʜ"Z xJZp; {/<P;,)''KQk5qpN8KGbe Sd̛\17 pa>SR! 3K4'+rzQ TTIIvt]Kc⫲K#v5+|D~O@%\w_nN[L9KqgVhn R!y+Un;*&/HrT >>\ t=.Tġ S; Z~!P9giCڧ!# B,;X=ۻ,I2UWV9$lk=Aj;{AP79|s*Y;̠[MCۿhf]o{oY=1kyVV5E8Vk+֜\80X4D)!!?*|fv u"xA@T_q64)kڬuV7 t '%;i9s9x,ڎ-45xd8?ǘd/Y|t &LILJ`& -Gt/PK! ѐ'theme/theme/_rels/themeManager.xml.relsM 0wooӺ&݈Э5 6?$Q ,.aic21h:qm@RN;d`o7gK(M&$R(.1r'JЊT8V"AȻHu}|$b{P8g/]QAsم(#L[PK-![Content_Types].xmlPK-!֧6 0_rels/.relsPK-!kytheme/theme/themeManager.xmlPK-!0C)theme/theme/theme1.xmlPK-! ѐ' theme/theme/_rels/themeManager.xml.relsPK] O  8@0(  B S  ?j"UJs"JgMl(qciTPtvqdS*| Qb+h ^`hH.h ^`hH.h pL^p`LhH.h @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PL^P`LhH.^`B*OJPJQJ^Jph.^`.bb^b`.2 2 ^2 `.  ^ `.^`.^`.rr^r`.BB^B`. ^`hH. ^`hH. pp^p`hH. @ @ ^@ `hH. ^`hH. ^`hH. ^`hH. ^`hH. PP^P`hH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH^`.^`.pp^p`.@ @ ^@ `.^`.^`.^`.^`.PP^P`.h^`OJQJo(hHh^`OJQJ^Jo(hHohp^p`OJQJo(hHh@ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohP^P`OJQJo(hH^`o(. ^`hH. pL^p`LhH. @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PL^P`LhH.^`o(. ^`hH. pL^p`LhH. @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PL^P`LhH. QbjvqdSJgMUciTP a2@2 @կ1                                                      OXa;: )g!jy<) Et).:*V+dBnI+W9Y9\dL\cd\cee<fb2giFk9uy)V|BV_1ZL%HC2;ITo,`?]"^7${$|klx&m)@@UnknownG*Ax Times New Roman5Symbol3. *Cx Arial7@Cambria?= *Cx Courier New;WingdingsA$BCambria Math"hs'gs'gs s !r4 2qHX ?kl2!xx Tips For Your Spending PlanTips For Your Spending PlanTips For Your Spending Plan+Office of Human Resources Management (OHRM)Fitzgerald, Brendan (VACO HRIS),        Oh+'08dx    Tips For Your Spending PlanTips For Your Spending Plan,Office of Human Resources Management (OHRM)Tips For Your Spending Plan$Date Reviewed: 7/2/2014 9:51:13 AM Normal.dotm Fitzgerald, Brendan (VACO HRIS)2Microsoft Office Word@@ @ s՜.+,D՜.+,Hx   ( Department of Veterans AffairsEnglish[  Tips For Your Spending Plan TitleP :BDate Reviewed@  !"#%&'()*+-./012367C:;<=>?@ABDRoot Entry F`9@1Table 3WordDocument ASummaryInformation($DocumentSummaryInformation8,MsoDataStore``N0WCUOAUBTR==2 ``Item PropertiesOMXI4CGXLEQRNXQ==2 ``Item  PropertiesAm  !"#$%&'()*+,-./0123456789:;<=>?@BCDEFGHIJKLMNPDocumentLibraryFormDocumentLibraryFormDocumentLibraryForm This value indicates the number of saves or revisions. The application is responsible for updating this value after each revision.   F Microsoft Word 97-2003 DocumentCompObjOr MSWordDocWord.Document.89q