Making Life Changing Financial Education Accessible For Everyone...
Helpful resources for managing money, budgeting and eliminating debt
Tools
Mortgage Calculator
Here is our home loan calculator, this is by far the calculator I use the most when working with clients. You can use it to figure out home loan repayments, interest and principle components of each payment, how long it will take you to pay off your home loan, how much interest you will pay over the life of the loan and how quickly you pay off your home loan by making extra repayments.
Worksheets
Getting Clarity on What ALL Your Expenses Really Are
At Grandma’s Jars we are passionate about helping everyday people set up budgets that actually work. 30 years of budget coaching experience has taught knowing what ALL your expenses really are is the foundation of every successful budget. This worksheet and video training will help you get a comprehensive understanding of you expenses so you can set your budget and finances up for success from Day #1.
Costs To Consider When Buying a House Worksheet
Looking to buy your first home? Check out our video training and worksheets where we walk you through all the costs associated with buying a house. This training will help you work out HOW MUCH you need to save to confidently take the leap into home ownership. It is amazing how much easier it is to save money when you have a exact dollar figure In mind… this training will give you that magic number.
Creating Your Gifts List Worksheet
Ready to take the stress out of Christmas shopping and save a bunch of money on gift giving. In this video training and worksheets, we share with you the simple strategy we use with all our clients to help them plan their gift giving so that there is always money set aside to cover gifts as the occasion arises, no stress, no guilt and no need to use the credit card.
Meal Plan and Grocery Shopping Worksheet
One of the biggest areas of ‘Money leaks’ in your average family budget is the Grocery Spending. In this video training and worksheets, we take you through the simple meal planning strategy that saves our clients hours of their time and hundreds of dollars every month. We often hear people say they are too busy to meal plan, but the truth is your are too busy not to meal plan.
The Debt Snowball Worksheet
This worksheet is to be used when implementing the ‘Debt Snowball’ strategy. It will help you create a debt repayment plan so you can quickly eliminate your debts.
Whitepapers
Buying a House: The Best Home Loan Structure
How you structure your home loan can have a significant impact on your financial future. This makes it critical that you know what you actually need. The following white paper will prepare you when meeting with your mortgage broker or bank to ensure you get what you actually need.
Case Studies
Oliver & Emily
Obsessed with having nice belongings and frivolous spending habits, Oliver and Emily obtained a large amount of debt: a mortgage balance of $360,000, a $29,000 car loan and a personal loan for a motorcycle. Learn how they took control of their finances through Grandma’s Jars methodology, and paid off over 40% of their mortgage in just 7 years. As we look toward their financial future, the young couple leaves us with some financial advice of their own.
Books
The Total Money Makeover
by Dave Ramsay
If you will live like no one else, later you can live like no one else. Build up your money muscles with America’s favorite finance coach. Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition..
Affluenza: When Too Much is Never Enough
by Clive Hamilton
Anyone concerned about the level of their personal debt or frustrated by the rat race of aspiring to an affluent lifestyle will appreciate this critique of the effects of over-consumption. This analysis pulls no punches as it describes both the problem and what can be done to stop it. Analyzing the increasing rates of stress, depression, and obesity as possible effects of the consumption binge currently gripping the Western world, this report tracks how Australians overwork, the growing number of things thrown out, self-medicated drugs, and the real meaning of the word choice.
Generosity Factor, The: Discover the Joy of Giving Your Time, Talent, and Treasure
by Ken Blanchard and Truett Cathy
In the tradition of the bestselling book The One Minute Manager®, authors Ken Blanchard and S. Truett Cathy, entrepreneur and founder of Chic-fil-A® restaurants, present The Generosity Factor™—a parable that demonstrates the virtues of generosity. It’s the story of a meeting between the Broker—a young man on his way up the corporate ladder who has the illusion of success, yet deep inside feels insignificant—and the Executive—the CEO of a very large and successful company who claims the greatest joy in his life is his ability to give to others. Thinking he might get a competitive edge by meeting with the Executive, the Broker’s worldview is turned upside down as he talks to the Executive and hears the principles that form his life. He calls it The Generosity Factor™—a way to give time, talent, treasure, and touch to those in need. Providing a unique twist on what it means to thrive in business, at home, and in life, this story will forever change your definition of success.
The 15 Invaluable Laws of Growth: Live Them and Reach Your Potential
by John Maxwell
Are there tried and true principles that are always certain to help a person grow? John Maxwell says the answer is yes. He has been passionate about personal development for over fifty years, and for the first time, he teaches everything he has gleaned about what it takes to reach our potential.
Work Smarter: Live Better
by Cyril Peupion
Most people have never been taught how to work. We are committed to our job and want to be good at what we do. We are neither lazy nor unwilling. But we do not always work effectively – we work hard but not always smart. To increase performance many people believe they need to do more. We spend less time with our loved ones, neglect our health and put our passions and hobbies on the back burner. And we end up frustrated, out of control and stressed.
Financial Peace: Restoring Financial Hope to You and Your Family
by Dave Ramsay
Get out of debt and stay out with the help of Dave Ramsey, recently seen by millions of Today Show viewers. His practical regimen, first set forth by The Financial Peace Planner, which will be published by Penguin in January 1998. Loaded with inspirational insights that come from personal experience, this set of books is the most valuable purchase a debt-ridden reader can make.
Living Well on One Income: ...In a Two-Income World
by Cynthia Yates
Cynthia Yates shows readers how to enjoy life more but spend less–on one income. She presents ten habits that help readers to maintain the right attitude: a cheerful heart, discover their creative genius, live within their means. Abundant personal stories, amusing anecdotes, and practical ideas demonstrate strategic ways for readers to
How to Start With No Savings and Get Rich ... Safely
by Stuart Moore
This book was new in the early 1990’s. I found it to be an eye-opener at the time. For some who was brought up believing that wealth was “bad” or a symptom of greed, it provided a no-nonsense approach to saving and wealth accumulation for an Australian at that time. It served me well. Today, there are many more “sophisticated” books out there covering topics like personal/household budgeting, saving and investing. People should make their own judgement on such things but the basics remain valid at any time. In summation, a good example of sound financial advice for Australian in the 1990’s.
The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change
by Stephen R. Covey
One of the most inspiring and impactful books ever written, The 7 Habits of Highly Effective People has captivated readers for 25 years. It has transformed the lives of Presidents and CEOs, educators and parents— in short, millions of people of all ages and occupations.
Your Kids Can Master Their Money: Fun Ways to Help Them Learn How
by Ron and Judy Blue and Jeremy White
Current research tells us today’s kids and teens don’t know how to budget or spend wisely. They have purchasing influence, but they aren’t prepared to handle money. Parents presume that their kids “get it” or that they are learning these skills in school. Yet kids still need parental guidance on how to manage money. Your Kids Can Master Their Money reveals key traits of financially wise people and gives parents tools to instill those traits in their children.
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