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Pit Crew Chief

Wayne Copeland has volunteered personal financial planning services and training to individuals and couples for over 20 years. He received his MBA from the Darden School at the University of Virginia and then worked for over twenty-eight years as a chief financial officer in for-profit and non-profit organizations, most recently as Chief Financial Officer of Miracle Hill Ministries. He serves as a ruling elder at Redeemer Presbyterian Church in Travelers Rest, SC.

Workshop Resources

The resources on this page supplement the workshop presentation. Files are in the following formats:

• PDF — Adobe PDF format. Files of this type can be opened with the free Adobe Reader which can be downloaded at the Adobe web site.
• XLS — Microsoft Excel spreadsheet. Files of this type can be saved to your local computer and opened with Microsoft Excel, LibreOffice Calc, or any other application capable of opening a spreadsheet.
• HTML — other web pages.

All resource files will open in a new window.

Budget

• Sample Balance Sheet (PDF, Appendix 1)
• Balance Sheet Template (PDF, Appendix 2)
• Sample Debt Sheet (PDF, Appendix 3)
• Debt Sheet Template (PDF, Appendix 4)
• Sample Spending Now (PDF, Appendix 5)
• Sample Budget Goal (PDF, Appendix 10)
• Budget Template (PDF, Appendix 11)
• Financial Pit Stop Workbook (XLS)
• Envelope System of Budgeting (PDF)
• YNAB (HTML)
• MoneyWell (HTML)
• NerdWallet Budget Worksheet (HTML)
• Budgeting App Options (HTML)
• The 50/30/20 Budget Rule Explained With Examples (PDF)
• Wayne's 3 Bucket Budget & Cashflow Worksheet (XLSX)

Calculators

• IRS W-4 Exemption Calculator (HTML)
• Debt Reduction Snowball Calculator (HTML, Download free calculator from this site.)
• BankRate.com Calculators (HTML)
• NerdWallet Calculators (HTML)

Checklist

• Components of a Healthy Financial Plan (PDF, Appendix 13)

Credit Cards

• Best Credit Card for You (HTML)
• How Your Credit Score Impacts Your Financial Future (HTML)
• Wallet Hub — Balance Transfer Credit Cards (HTML)

Credit Reports

• AnnualCreditReport.com (HTML)
• Free Credit Report Imposters (HTML)
• Equifax — 800-685-1111
• Experian — 888-397-3742
• Trans Union — 800-916-8800

Crown Financial Ministries

• Crown Home Page (HTML)
• Budget – Spending Guides (HTML)

Debt Reduction & Consumer Assistance

• Debt Reduction Snowball Calculator (HTML, Download free calculator from this site.)
• Sample Debt Reduction Calculator (PDF, Appendix 12)
• National Foundation for Credit Counseling (HTML)
• Bankruptcy Basics (HTML)
• Mortgage Help (HTML)
• South Carolina Consumer Assistance Programs (HTML)
• Healthcare Information Resources (HTML)
• Escape the Debt Trap — Kiplinger's February 2012 (HTML)
• Debt Relief Programs — Reviews (HTML)
• Debt Settlement vs. Debt Reduction (HTML)

Estate Planning

• Estate Planning: How to Die the Right Way — Kiplinger's January 2012 (PDF)
• Estate Planning Steps — Kiplinger January 2012 (HTML)

Giving

• Giving What We Can (HTML)
• Gapminder (HTML)
• GiveWell Top Charities (HTML)
• Charity Navigator (HTML)

Goals

• Establishing Priorities and Goals (PDF, Appendix 6)
• Goals Questionnaire (PDF, Appendix 7)
• Sample Goals Worksheet (PDF, Appendix 8)
• Goals Template (PDF, Appendix 9)

Insurance

• Life Insurance Calculator (HTML)
• Disability Insurance (HTML)
• Health Insurance Quotes (HTML)
• Long Term Care Shopper's Guide (HTML)

Investing

• Real Deal Retirement Toolbox (HTML)
• Target Date Funds — Money May 2011 (HTML)
• Building Wealth — CNNMoney August 2012 (HTML)
• Inflation Protection — Money November 2012 (PDF)
• Investing Made Simple — Kiplingers November 2012 (PDF)
• Simple Investing — Kiplinger's November 2012 (HTML)
• Choosing A Target-Date Fund (HTML)

Personal Finance Education

• CNN Money Essentials (HTML)
• Faith & Finance — Christian Finance Blog (HTML)
• Kids and Money (HTML)
• Teaching Children Money Skills (HTML)

Retirement

• Life Expectancy Tables (PDF)
• The Aging Checklist (HTML)
• What Average Retiree Spends (HTML)
• Retirement Calculator (HTML)
• How to Catch Up on Retirement Savings (HTML)
• Required Minimum Distributions (HTML)
• Medicare.gov (HTML)
• Medicare Supplemental Insurance (HTML)
• Social Security
  • Get Your Social Security Statement Online
  • The Most Important SS Table You Will Ever See (HTML)
  • Social Security Retirement Planner
  • Social Security Planning Software
  • Book: A Social Security Owner's Manual, Jim Blankenship
  • Social Security Benefit Calculator
  • Social Security Benefit Solutions
  • Social Security Benefits — The Basics
  • SS Book link (HTML)

Saving Strategies

• IRS W-4 Exemption Calculator (HTML)
• Car Repairs
  • CarMD (HTML)
  • Recall notices (HTML)
  • CarCare.org (HTML)
  • Check the price (HTML)
• Saving for College
  • SavingForCollege.com (HTML)
  • FinAid.org (HTML)
  • 529 Plan Information (HTML)
  • Student Loans (HTML)
• Public Benefits for Seniors (HTML)
• Moolanomy.com — The 1,001 List of Money Saving Ideas and Tips (HTML)
• Coupons.com (HTML)
• Saving — Government Deals (HTML)
• Cutting Healthcare Costs (HTML)
• 30 Ways To Cut Health Care Costs — Kiplingers April 2011 (PDF)
• Dodge the Draft — CNNMoney October 2012 (PDF)
• Energy Savings — Kiplingers June 2011 (PDF)
• Suddenly Frugal (HTML)