Lutheran Social Services of South Dakota

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Financial Counseling & Education

Money Matters--Pay Yourself First

Objective 1:
At the end of the module, students will be able to:
- track daily spending habits
- prepare a personal spending plan or budget to estimate monthly income and expenses
- identify ways to decrease spending and increase income
- identify budgeting tools that will help them manage their money

Objective 2:
At the end of the module, students will be able to:
- explain why it is important to save
- determine goals toward which they want to save
- identify savings options
- determine which savings options will help them reach their savings goals