Janet is a young single who has come to you for financial help. She earns a salary of $45,000 per year working as a teacher and rents a three bedroom apartment not far from her school ($1200/month). She lives alone and likes the added space two extra bedrooms provide – one is used as a guest room and the other is used as an office. She’s a bit vague when you ask about her spending, and you discover she does not have a budget. Additionally you find that she has over $30,000 is school loans and $12,000 in credit card debt. She wants to buy a new car, but is having a difficult time figuring out how to pay for it. She has no savings to draw from to help her with this purchase.

How would you apply the principles outlined in Modules One through Seven to help Janet with her finances?
Papers should be 3 pages in length.

Ramsey, D. (2013). The total money makeover: A proven plan for financial fitness. Nashville, Tenn: Thomas Nelson P

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