The Scenario
Do you ever have trouble picking which charity you wish to support and buying gifts for family occasions (weddings, baby showers, graduations)?
Sam Savings Sam

Savings Sam
"If I know an event is coming up, I will budget for it. I have picked one charity that I budget for regular donations."
Bonnie Balanced Bonnie

Balanced Bonnie
"We get so many requests from different groups and causes that it is hard to choose.If a family wedding is coming up, a gift takes priority over a charity in my budget."
Ian Impulsive Ian

Impulsive Ian
"My attitiude about charities and family is 'first come, first serve'."


Part I

When it comes to money, ignorance is NOT bliss. What you don't know can very well hurt you AND your financial situation.

Emotional Vulnerability
As life goes on, you may experience changes and/or loss along the way. Retirement from the workforce often results in increased free time. Some people become divorced or widowed, lose friends or endure physical challenges.

Situational Vulnerability
Many casinos offer incentives that seem 'too good to be true' in order to get you to pay them a visit. You may feel obligated to gamble to maintain some sort of social activity in your everyday life, like church or community bingo, or senior center sponspored casino trips. You could find yourself in an environment that may make you feel pressured to spend additional money, when you are uncomfortable doing so.

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