MODERN BUDGETING 101

March 24, 2026

6:30 PM - 7:30 PM

Modern Budgeting 101 - How to Track, Plan and Save Your Way to Wealth.

  • Why You Should Budget

  • Types of Debt & How To Manage Each Type

  • Techniques to track and account for every dollar in or out

  • How and what to start budgeting NOW

  • How to get your debts down to zero

Confidence for Your Financial Future

Your financial future doesn’t have to go up and down with the ship. If you want to get rid of your debt responsibly and build wealth that will last, you must attend this free budgeting workshop. In this FREE 60-minute presentation plus Q&A, John Thomas of Primary Residential Mortgage will answer all your questions on creating and developing your budget to help you reach financial security and build wealth.

Strategy Session Highlights

Our Modern Budgeting 101 class is designed to give you clarity, direction, and confidence around your finances. This session focuses on helping you understand where your money is going, how to take control of your monthly budget, and how to build a plan that aligns with your real-life priorities and goals. You’ll walk away knowing exactly what to focus on to reduce stress, manage debt, and create a clear path toward long-term financial stability.

Personalized needs analysis

We’ll walk through the real-world factors that shape your monthly finances, like income, bills, debt, and priorities, so you can build a budgeting plan that actually fits your life and gives you a clear path forward.

Budgeting method recommendations

Get clear guidance on choosing the right budgeting approach for your situation, so it matches your goals, your lifestyle, and the way you actually spend and save money each month.

Budget-based financial planning

Learn how to build a realistic budget that fits your income and expenses, so you can manage your money confidently while still making progress toward reducing debt and building long-term financial stability.

Understand Your Budget Before Purchasing Your Home

Modern Budgeting 101 gives you clarity before you take your next step. You’ll gain a clear understanding of how budgeting works, where most people get stuck, and what changes actually move the needle — without being pushed into a product, a program, or a long-term commitment.

This class helps you see the full picture upfront, so you know exactly what to focus on first, what to fix next, and how to build a plan you can realistically follow. You’ll walk away with clear next steps, practical expectations, and more confidence about how to take control of your money.

Our Happy Customers:

Meet Your Host:

John Thomas

John Thomas, NMLS# 38783 is a seasoned financial educator and mortgage professional with years of experience helping individuals and families better understand their money, reduce financial stress, and make confident long-term decisions. Through his work, John has guided thousands of people through budgeting fundamentals, debt management strategies, and the financial habits that support long-term stability and wealth building.

John is known for breaking down complex financial topics into clear, practical steps that real people can actually use. His teaching style is straightforward, approachable, and focused on helping attendees walk away with clarity—not confusion. In Modern Budgeting 101, John brings real-world perspective and proven frameworks to help participants take control of their finances and build a stronger financial foundation.

John R. Thomas, Newark Delaware Branch Manager & Certified Mortgage Planner and licensed Delaware loan officer. As your Mortgage Planner, my job is to oversee your loan and be a resource for you throughout the loan process in regards to interest rates, loan programs, etc.  I also will analyze your loan to make sure it fits with your long term financial plan. NMLS – 38783  John has been named a Five Star Mortgage Professional for 6 years in a row.  He has been ranked in the top 1% of Mortgage Originators nationwide by Mortgage Executive Magazine for 2017, 2018, 2019, 2020 & 2021.  John has been ranked in the Top 400 Loan Originators in the Nation by National Mortgage News for 2017, 2018, 2019, 2020, & 2021.  He has also been recognized as a Scotsman Guide Top Originator for 2016, 2017, 2018, 2019, 2020 & 2021. for Top FHA Volume.  .

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