2019 Heritage House Catalog

LIFE SKILLS (...CONTINUED) Fighting the Impulse to Spend — Part of EWYL Life Skills - Ever feel like you just can’t let another day go by without buying those sparkly Jimmy Choo’s to adorn your feet? Or maybe you can’t get through the checkout line without grabbing the snacks placed right at your eye level. Or when you feel like life is dealing you nines and tens in a hand of Show Low, does a little retail therapy call your name? Well sister, you’ve been played by the sneakiest of sneaksters! This video looks at how marketers keep us buying more stuff and spending all of our hard-earned cash before it even hits our bank account. You will learn tips to keep from being manipulated at the checkout line and how not to become a victim in retail marketing wars. Yes, you CAN fight the impulse to spend! This DVD coincides with Life Skills Module L2. It covers the basics of money management when a client is working on becoming an independent individual. 77988M1 . $59.95. Budgeting 101 — Part of EWYL Life Skills - Stay out of debt. Save for the future. Plan your big purchases. Live within your means. All great ideas, but how do you do it in reality? After all, you have monthly expenses, semi and annual expenses, and unforeseen expenses along the way. How do you plan all of this within a fixed monthly income? The answer is the budget. In this video we will look at how to make and maintain a simple budget and plan for most of your expenses so that you can avoid those unpleasant financial surprises at the end of the month. 77992M5 . $59.95 The Monster of Debt — Part of EWYL Life Skills - Have you ever found yourself with too little cash and too many bills? The stress, worry, and restric- tions of being unable to pay our bills brings can be simply overwhelming. Do you know this feeling? Debt is like being locked up in chains that are stronger than you and keep you tied up. You no longer have the freedom to do the things you want because you are chained to your debt. Have you become a prisoner to all the money you owe? Are you ready to do what it takes to be financially free? This video shows you how YOU can slay the monster of debt. 77989M2 . $59.95. Credit Cards: Friend or Foe? — Part of EWYL Life Skills - Are credit cards your best friend or your worse enemy? Can they make you or break you? Do they love you or hate you? Are they the bane of our existence or the salvation to our money woes? Is it possible that they can be both? This video puts credit cards in their proper perspective. And it talks about how if you are in debt or tempted to overspend because of them, then credit cards are just another tool being used to separate you from your hard-earned cash and financial goals! 77990M3 . $59.95. Financial Emergencies — Part of EWYL Life Skills - Just when everything is going well, and you have your finances in order ¬– BAM! Disaster hits! It may rain inside your house instead of outside. A pipe may burst, giving you the indoor pool you’ve never wanted. Your fine ride loses its glide. In the financial biz, we call this Murphy’s Law. “Anything that CAN go wrong, WILL go wrong, at the WORST possible time!” But did you know that you can Murphy-proof your life against financial emergencies? This video looks at how to plan for financial emergencies and what a financial emergency really is. For example, are bald tires REALLY an emergency or just poor planning? 77991M4 . $59.95. VIDEO DISCS — 222