PFMP Personal Financial Management Program (PFMP) Meeting financial goals is a common objective of every person. The Personal Financial Management Program (PFMP) offers information, education, and personal financial counseling. Services offered include: Individual and Family Counseling Development of a budget to help obtain financial goals. Payment plan arrangements with creditors. Long-term financial planning. Development of a debt-liquidation plan. Budget Worksheet PAYDAY BUDGET Seminars and Workshops Financial Management Class Budgeting: savings, buying cars, insurance, contracts, loans, debt ratio, income vs. expenses, etc. Credit Management: credit cards, costs of credit, credit reports, results of credit abuse, rebuilding credit, etc. Checkbook Management Financial Management Briefing Provides information on financial awareness to First Term Airmen. Areas covered include: Personal financial management Checkbook maintenance Budgeting Buying with credit cards Contracts/loans Buying cars Life insurance Savings and investments Shopping for credit Credit reports Using credit wisely Results of credit abuse. Basics of Investing - Part I Basics of Home Buying and Selling How to pay a mortgage off early Individual Retirement Accounts (IRAs) and types of Mutual Funds Dollar Cost Averaging/getting started Credit Card Debt Basics of Investing - Part II Risks Assessment Investment Strategies Buying Stocks without a Broker Dividend Reinvestment Plans (DRIPs) Researching Stocks using Value Line Researching Mutual Funds using Morning Star Basics of Investing - Part III Computer Lab Internet Research Mutual Funds Stocks Retirement Planning College savings plans