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Record income, record cash outflows, determine net cash flow, Set financial goals, estimate income, budget emergency fund and savings, budget fixed expenses, budget variable expenses, record spending amounts, review spending and savings patterns (budget variances) , revise if needed, Deposit a specific amount each payday into an account not readily accessible, payroll deduction, save coins, and cut down on spending, Buy used, spend less on entertainment and food, pack a lunch, avoid buying on credit, buy less expensive brands, Use time value of money calculations. There are many different definitions of finance, but for the purposes of this course, we are going to define it as follows:Finance refers to the insurance company. This 4-color, paperback text is designed and written to appeal to a range of ages, life situations, and levels of financial literacy. Start studying Focus on Personal Finance Chapter 4. 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