Tired of worrying about your financial situation but arent sure what to door where to start? Stop stressing! No matter how much you earn (or howmuch you owe) you can take control of your money--and it wont be nearlyas hard as you think. Millions of people already benefit from the expert advice Laura D. Adams dispenses in her weekly Money Girlpodcast and know firsthand that little changes can lead to big rewards.Laura doesnt tell you what you can and can not buy with your ownhard-earned money; instead, she gives you guidance, tips, and tricks you need to make the most of it by finding out how to: - Assess your current financial situation and set achievable, realistic goals - Get out of debt faster--and stay out for good - Manage your 401(k) or Roth IRA like a pro - Take advantage of every available tax deduction to owe less and save more - Choose smarter investments so you can watch your money grow - Use the most up-to-date technology to make managing your money much easier Whether youre learning the quickest way to improve your credit score or theseven essential tips for preventing identity theft, youll besurprised--and relieved--at just how doable it all is. Chock-full of quick and dirty tips that explain what you need to know without bogging youdown with what you dont, Money Girls Smart Moves to Grow Rich willensure you have the kind of life you want and the future youve alwaysdreamed of.
Publisher: n/a
|
9780312662622
|
Paperback(First Edition)
Debt Free For Life
By Bach, David
GOODBYE DEBT - HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt. Good debts are generally considered to be debts you incur to buy things that can go up in value - like a home or college education. Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America's favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt. There is only debt. And all debt is too expensive - if what you desire is FREEDOM! In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before - starting today!In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom - forever! Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living - debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically. You'll learn how to calculate your Debt Freedom Day - the actual date you will be completely free of debt. And you'll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected.David Bach has coached millions to pay off their debt and now he can guide you. Whether you have home loans, student loans, car loans, credit card debt - paying down your debt is truly a game you can win, if you know the rules. Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.
Publisher: n/a
|
9780767929868
|
Hardcover
Smart Is the New Rich
By Romans, Christine
A practical way to think about money today Author and CNN veteran money correspondent Christine Romans believes we should live by three qualifiers: living within our means, living with less debt, and being less vulnerable. While some may say this is old-fashioned, today it's hard to argue with Romans' view. Smart is the New Rich explores how adopting a new approach to money can lead to a healthier financial lifestyle. Each chapter opens with a question about money to begin the conversation about earning, saving, spending, growing, and protecting your money. Using checklists and quizzes, Romans guides you through the "New Normal," helping you to think differently about your money and relearning good habits for prosperity. Reexamines the money rules abandoned during the consumer bubble and poses the essential questions we should ask ourselves before spend our money Provides an interactive, step-by-step guide to all things money, from credit, debt, and savings to investing, taxes, and mortgages A companion Web site allows you to chat with other readers about jobs, mortgage rates, investing, and saving For thirty years, the financial rules for life revolved around abundant credit. That bubble has burst. Smart is the New Rich addresses why these rules no longer apply, and reveals what it will take to make the right money choices moving forward. Five Retro Spending Rules After a generation where "me, more, now" was how we thought about our money, it's time to walk through these five retro rules when you are about to part with your money. 1. If you don't need it, don't buy it. If you can't afford it, put it down. It's as simple as that. Ask the three key questions before parting with your cash. "Do I need this?" "Will it make my family better, smarter, more prepared?" "Can I even afford it?" Only you know the answers to those questions. And just asking them gives you pause to evaluate whether the dollar buys you an experience and an investment in your family and your future. 2. Think of money like nutrition. Is a purchase, whatever it is, something that is good for your body, or nothing more than a sugar rush. Prolific and random spending is the money equivalent of eating junk food. It might feel good at the time, but it hurts you in the long run and the limits your options later in life. 3. Negotiate everything. It seems gauche to call it haggling, so let's call it negotiating. Your cell phone company, cable provider, car rental company, and even your doctor need your business. Politely ask if there are discounts. For travel and leisure, inquire about a complimentary upgrade if they won't drop the price. (Vacations have never been more attainable--if you can afford them--this is a good time for breaks and discounts.) If you are polite and informed, you will be surprised. 4. Always save first. Do you know how much you are saving? Look at your pay stub. Calculate how much money you bring home after taxes. Make sure you are saving at least 6 percent and hopefully 10 percent of that for your future. Save first. 5. Don't deny yourself. As confidence in the economy returns, the people who have the cushion to spend money will be critical to restore the economy. Every dollar spent at the pizza parlor, on video games, at the zoo sustains jobs. The key is to know what you can live without. The message for anyone struggling with money: The only thing you can control right this second is how the money leaves your hands.
Publisher: n/a
|
9780470642061
|
Print book
The Smartest Money Book You'll Ever Read
By Solin, Daniel R.
Stop working for money and put your money to work for you! Tens of thousands of readers trust Dan Solin's advice when it comes to investing, managing their 401(k) s, and planning for retirement. Now Solin offers the smartest guide to money management and financial planning yet.From managing your debt, boosting your savings, and owning (or renting) a home to buying insurance, maximizing investment returns, and retiring when you want to, The Smartest Money Book You'll Ever Read is your road map to financial freedom-and to enjoying yourself along the way.
Publisher: n/a
|
9780399537219
|
Hardcover
Earn It, Learn It
By Weinstein, Alisa
What Experts Say: "A clever and fun way to teach your kids the true value of money." -Jen Singer, author of You're a Good Mom (and Your Kids Aren't So Bad, Either) "Great concept, great lessons, and every family can implement these ideas." -Lori Mackey, founder of Prosperity4Kids.com "The Earn My Keep philosophy is so creative and innovative and I love the message it promotes: that hard work and money earned have value-a notion that seems to have lost its strength for our youth over the past couple decades." -Allison K. Chase, PhD, clinical psychologist specializing in children, adolescents, and families "Addresses the sense of entitlement that so many of today's children have by instilling a sense of responsibility for their own wealth and career choices through creative play." -Susan Heim, coauthor/editor, Chicken Soup for the Soul series The easy-to-do twist on traditional allowance that's wowing parents across the country! The program featured in Earn It, Learn It is the only one that lets kids ages four through twelve earn by doing "real" jobs. Your child will learn from folks like a: Toy Designer from Crayola Curator from the Rock and Roll Hall of Fame and Museum Zoologist from the Saint Louis Zoo Teach your kid the difference between making the bed as a member of the family and earning a living in the real world. Expose your child to art, manners, math, and more. And build a foundation for a lifelong love of learning and fiscal independence. All while having fun!
Publisher: n/a
|
9781402242076
|
Paperback
The 10 Commandments of Money
By Weston, Liz
From the #1 personal finance columnist on the Internet (Nielsen/NetRatings) -a clear prescription for financial health in the 2010s and beyond. For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward. As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to: * Balance Your Budget * Pay Down Toxic Debt * Get the Right Mortgage * Pay for College * Save for Retirement * Maximize Your Financial Flexibility Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s.Watch a Video
Publisher: n/a
|
9781594630743
|
Hardcover
Unfair Advantage
By Kiyosaki, Robert T.
On the heels of his 2010 New York Times bestseller Conspiracy of the Rich, Robert Kiyosaki takes a new and hard-hitting look at the factors that impact people from all walks of life as they struggle to cope with change and challenges that impact their financial world.In Unfair Advantage &mdash The Power of Financial Education Robert underscores his messages and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are 'disadvantaged' people with limited options. They are encouraged to act beyond their concept of limited options and challenge the preconception that they will struggle financially all of their lives. Robert's fresh approach to his time-tested messages includes clear, actionable steps that any individual or family can take, starting with education. Education becomes applied knowledge, a powerful tactic with measurable results.In true Rich Dad style, readers will be challenged to understand two points of view, and experience how financial knowledge is their unfair advantage.Why do the rich get richer even in a financial crisis? In his new book, An Unfair Advantage, Robert confirms his message and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are 'disadvantaged' people with limited options and challenge the notion that they will struggle, financially, all their lives. What does school teach you about money? In most cases, the answer is "Not much." If there is any financial education, the courses are taught by financial planners and bankers ... the agents of Wall Street and the big banks, the very people that caused and profited from the financial crisis.This book is about real financial education. This book is about how debt and taxes make the rich richer &hellip and why debt and taxes makes the poor and middle class struggle. This book explains why the rich get richer, paying less in taxes, while the middle class shrinks &mdash with many losing jobs, homes, and retirement &mdash and paying more in taxes. This book is about the five unfair advantages a real financial education offers. The Unfair Advantage of Knowledge The Unfair Advantage of Taxes The Unfair Advantage of Debt The Unfair Advantage of Risk The Unfair Advantage of CompensationThese five unfair advantages are the outcomes of real financial education.
Publisher: n/a
|
9781612680101
|
Paperback
The Money Class
By Orman, Suze
What does it take to create your New American Dream? Suze Orman, the woman millions of Americans have turned to for financial advice, says it's time for a serious reconsideration of the American Dream - what promise it still holds, what aspects are in need of revision, and how it must be refashioned to fit our lives so that we can once again have faith that our hard work will pay off and that a secure and hopeful future is within our reach. In nine electrifying chapters, Orman delivers a master class on personal finance for this pivotal moment in time. She addresses every aspect of the American Dream - home, family, career, retirement. She teaches us that in order to create lasting security we must learn to stand in our truth. We must recognize, embrace, and be honest about what is real for us today and allow that understanding to inform the choices we make. The New American Dream is not the things we accumulate, says Orman, but the confidence that comes from knowing that which we've worked so hard for cannot be taken away from us. In The Money Class, Orman teaches us how to take control over our present - right here, right now - in order to build the future of our dreams. Whether navigating the complicated mix of money and family, offering the most comprehensive retirement resource available today, or delivering a bracing dose of reality when it comes to recalibrating our expectations and our goals, Orman educates us with her signature no-nonsense approach and laser-like clarity. She empowers us to live a life of integrity and honesty that will create an enduring legacy for future generations - a New American Dream that lies in truth, security, financial freedom, and peace of mind.
Publisher: n/a
|
9781400069736
|
Print book
The Debt-Free Spending Plan
By Nagler, Joanneh
Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It's overwhelming - and the more complicated the proposed solution, the harder it is to stick with it. That's why "The Debt-Free Spending Plan" is simple. It doesn't require sifting through chapters of high-minded financial advice or digging up your past spending history. It assumes you need help right now, and gives it to you. You will learn to: downsize expenses without feeling deprived; allocate money as it comes in and put together an easy-to-manage bill-paying plan; adjust for inevitable overspending; and, pay off debt without gouging expenses and (believe it or not) start saving. The plan is clear, easy, and takes just five minutes a day-and it doesn't matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom-all before the next billing cycle.
Publisher: n/a
|
9780814432433
|
Paperback
The Total Money Makeover
By Ramsey, Dave
Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the "hope" and the "how-to," The Total Money Makeover includes: Useful worksheets and forms Readable and informative charts and graphs The four factors that keep people from getting in shape financially Photos and amazing stories from people who have succeeded following The Total Money Makeover plan The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: "If you will live like no one else, later you can live like no one else."
Publisher: n/a
|
9780785263265
|
Hardcover
The Smart Consumer's Guide to Good Credit
By Ulzheimer, John
Most credit books promise quick fixes and easy solutions to bad credit, but the truth is there is no quick fix when it comes to credit. Your best strategy as a smart consumer is to understand your credit inside and out. Credit expert John Ulzheimer can give you all the tools you need to master the world of credit, before or after you get into trouble, and take the power back into your own hands. Topics covered include: * The difference between a credit score and a credit report * The best way to deal with collection agencies * How to monitor your credit report * Protecting yourself from identity theft * The impact of student loans on your credit score * How to opt out of unwanted credit card offers The Smart Consumer's Guide to Good Credit answers all of your questions about credit (including the ones you didn't even know you should be asking!) and yes, even explains the best ways to work toward improving a bad credit score.
Money Girls Smart Moves to Grow Rich
By Adams, Laura D.
Tired of worrying about your financial situation but arent sure what to door where to start? Stop stressing! No matter how much you earn (or howmuch you owe) you can take control of your money--and it wont be nearlyas hard as you think. Millions of people already benefit from the expert advice Laura D. Adams dispenses in her weekly Money Girlpodcast and know firsthand that little changes can lead to big rewards.Laura doesnt tell you what you can and can not buy with your ownhard-earned money; instead, she gives you guidance, tips, and tricks you need to make the most of it by finding out how to: - Assess your current financial situation and set achievable, realistic goals - Get out of debt faster--and stay out for good - Manage your 401(k) or Roth IRA like a pro - Take advantage of every available tax deduction to owe less and save more - Choose smarter investments so you can watch your money grow - Use the most up-to-date technology to make managing your money much easier Whether youre learning the quickest way to improve your credit score or theseven essential tips for preventing identity theft, youll besurprised--and relieved--at just how doable it all is. Chock-full of quick and dirty tips that explain what you need to know without bogging youdown with what you dont, Money Girls Smart Moves to Grow Rich willensure you have the kind of life you want and the future youve alwaysdreamed of.
Debt Free For Life
By Bach, David
GOODBYE DEBT - HELLO FREEDOM! Most of us grew up with the idea that there is good debt and there is bad debt. Good debts are generally considered to be debts you incur to buy things that can go up in value - like a home or college education. Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value, like most consumer goods. But as America's favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt. There is only debt. And all debt is too expensive - if what you desire is FREEDOM! In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted before - starting today!In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom - forever! Offering a revolutionary approach to personal finance that teaches you how to pay down your debt and adopt a whole new way of living - debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt automatically. You'll learn how to calculate your Debt Freedom Day - the actual date you will be completely free of debt. And you'll discover that when you are debt free, you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected.David Bach has coached millions to pay off their debt and now he can guide you. Whether you have home loans, student loans, car loans, credit card debt - paying down your debt is truly a game you can win, if you know the rules. Debt Free For Life will teach you the rules and give you the tools to buy back your freedom.
Smart Is the New Rich
By Romans, Christine
A practical way to think about money today Author and CNN veteran money correspondent Christine Romans believes we should live by three qualifiers: living within our means, living with less debt, and being less vulnerable. While some may say this is old-fashioned, today it's hard to argue with Romans' view. Smart is the New Rich explores how adopting a new approach to money can lead to a healthier financial lifestyle. Each chapter opens with a question about money to begin the conversation about earning, saving, spending, growing, and protecting your money. Using checklists and quizzes, Romans guides you through the "New Normal," helping you to think differently about your money and relearning good habits for prosperity. Reexamines the money rules abandoned during the consumer bubble and poses the essential questions we should ask ourselves before spend our money Provides an interactive, step-by-step guide to all things money, from credit, debt, and savings to investing, taxes, and mortgages A companion Web site allows you to chat with other readers about jobs, mortgage rates, investing, and saving For thirty years, the financial rules for life revolved around abundant credit. That bubble has burst. Smart is the New Rich addresses why these rules no longer apply, and reveals what it will take to make the right money choices moving forward. Five Retro Spending Rules After a generation where "me, more, now" was how we thought about our money, it's time to walk through these five retro rules when you are about to part with your money. 1. If you don't need it, don't buy it. If you can't afford it, put it down. It's as simple as that. Ask the three key questions before parting with your cash. "Do I need this?" "Will it make my family better, smarter, more prepared?" "Can I even afford it?" Only you know the answers to those questions. And just asking them gives you pause to evaluate whether the dollar buys you an experience and an investment in your family and your future. 2. Think of money like nutrition. Is a purchase, whatever it is, something that is good for your body, or nothing more than a sugar rush. Prolific and random spending is the money equivalent of eating junk food. It might feel good at the time, but it hurts you in the long run and the limits your options later in life. 3. Negotiate everything. It seems gauche to call it haggling, so let's call it negotiating. Your cell phone company, cable provider, car rental company, and even your doctor need your business. Politely ask if there are discounts. For travel and leisure, inquire about a complimentary upgrade if they won't drop the price. (Vacations have never been more attainable--if you can afford them--this is a good time for breaks and discounts.) If you are polite and informed, you will be surprised. 4. Always save first. Do you know how much you are saving? Look at your pay stub. Calculate how much money you bring home after taxes. Make sure you are saving at least 6 percent and hopefully 10 percent of that for your future. Save first. 5. Don't deny yourself. As confidence in the economy returns, the people who have the cushion to spend money will be critical to restore the economy. Every dollar spent at the pizza parlor, on video games, at the zoo sustains jobs. The key is to know what you can live without. The message for anyone struggling with money: The only thing you can control right this second is how the money leaves your hands.
The Smartest Money Book You'll Ever Read
By Solin, Daniel R.
Stop working for money and put your money to work for you! Tens of thousands of readers trust Dan Solin's advice when it comes to investing, managing their 401(k) s, and planning for retirement. Now Solin offers the smartest guide to money management and financial planning yet.From managing your debt, boosting your savings, and owning (or renting) a home to buying insurance, maximizing investment returns, and retiring when you want to, The Smartest Money Book You'll Ever Read is your road map to financial freedom-and to enjoying yourself along the way.
Earn It, Learn It
By Weinstein, Alisa
What Experts Say: "A clever and fun way to teach your kids the true value of money." -Jen Singer, author of You're a Good Mom (and Your Kids Aren't So Bad, Either) "Great concept, great lessons, and every family can implement these ideas." -Lori Mackey, founder of Prosperity4Kids.com "The Earn My Keep philosophy is so creative and innovative and I love the message it promotes: that hard work and money earned have value-a notion that seems to have lost its strength for our youth over the past couple decades." -Allison K. Chase, PhD, clinical psychologist specializing in children, adolescents, and families "Addresses the sense of entitlement that so many of today's children have by instilling a sense of responsibility for their own wealth and career choices through creative play." -Susan Heim, coauthor/editor, Chicken Soup for the Soul series The easy-to-do twist on traditional allowance that's wowing parents across the country! The program featured in Earn It, Learn It is the only one that lets kids ages four through twelve earn by doing "real" jobs. Your child will learn from folks like a: Toy Designer from Crayola Curator from the Rock and Roll Hall of Fame and Museum Zoologist from the Saint Louis Zoo Teach your kid the difference between making the bed as a member of the family and earning a living in the real world. Expose your child to art, manners, math, and more. And build a foundation for a lifelong love of learning and fiscal independence. All while having fun!
The 10 Commandments of Money
By Weston, Liz
From the #1 personal finance columnist on the Internet (Nielsen/NetRatings) -a clear prescription for financial health in the 2010s and beyond. For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward. As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to: * Balance Your Budget * Pay Down Toxic Debt * Get the Right Mortgage * Pay for College * Save for Retirement * Maximize Your Financial Flexibility Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s.Watch a Video
Unfair Advantage
By Kiyosaki, Robert T.
On the heels of his 2010 New York Times bestseller Conspiracy of the Rich, Robert Kiyosaki takes a new and hard-hitting look at the factors that impact people from all walks of life as they struggle to cope with change and challenges that impact their financial world.In Unfair Advantage &mdash The Power of Financial Education Robert underscores his messages and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are 'disadvantaged' people with limited options. They are encouraged to act beyond their concept of limited options and challenge the preconception that they will struggle financially all of their lives. Robert's fresh approach to his time-tested messages includes clear, actionable steps that any individual or family can take, starting with education. Education becomes applied knowledge, a powerful tactic with measurable results.In true Rich Dad style, readers will be challenged to understand two points of view, and experience how financial knowledge is their unfair advantage.Why do the rich get richer even in a financial crisis? In his new book, An Unfair Advantage, Robert confirms his message and challenges readers to change their context and act in a new way. Readers are advised to stop blindly accepting that they are 'disadvantaged' people with limited options and challenge the notion that they will struggle, financially, all their lives. What does school teach you about money? In most cases, the answer is "Not much." If there is any financial education, the courses are taught by financial planners and bankers ... the agents of Wall Street and the big banks, the very people that caused and profited from the financial crisis.This book is about real financial education. This book is about how debt and taxes make the rich richer &hellip and why debt and taxes makes the poor and middle class struggle. This book explains why the rich get richer, paying less in taxes, while the middle class shrinks &mdash with many losing jobs, homes, and retirement &mdash and paying more in taxes. This book is about the five unfair advantages a real financial education offers. The Unfair Advantage of Knowledge The Unfair Advantage of Taxes The Unfair Advantage of Debt The Unfair Advantage of Risk The Unfair Advantage of CompensationThese five unfair advantages are the outcomes of real financial education.
The Money Class
By Orman, Suze
What does it take to create your New American Dream? Suze Orman, the woman millions of Americans have turned to for financial advice, says it's time for a serious reconsideration of the American Dream - what promise it still holds, what aspects are in need of revision, and how it must be refashioned to fit our lives so that we can once again have faith that our hard work will pay off and that a secure and hopeful future is within our reach. In nine electrifying chapters, Orman delivers a master class on personal finance for this pivotal moment in time. She addresses every aspect of the American Dream - home, family, career, retirement. She teaches us that in order to create lasting security we must learn to stand in our truth. We must recognize, embrace, and be honest about what is real for us today and allow that understanding to inform the choices we make. The New American Dream is not the things we accumulate, says Orman, but the confidence that comes from knowing that which we've worked so hard for cannot be taken away from us. In The Money Class, Orman teaches us how to take control over our present - right here, right now - in order to build the future of our dreams. Whether navigating the complicated mix of money and family, offering the most comprehensive retirement resource available today, or delivering a bracing dose of reality when it comes to recalibrating our expectations and our goals, Orman educates us with her signature no-nonsense approach and laser-like clarity. She empowers us to live a life of integrity and honesty that will create an enduring legacy for future generations - a New American Dream that lies in truth, security, financial freedom, and peace of mind.
The Debt-Free Spending Plan
By Nagler, Joanneh
Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It's overwhelming - and the more complicated the proposed solution, the harder it is to stick with it. That's why "The Debt-Free Spending Plan" is simple. It doesn't require sifting through chapters of high-minded financial advice or digging up your past spending history. It assumes you need help right now, and gives it to you. You will learn to: downsize expenses without feeling deprived; allocate money as it comes in and put together an easy-to-manage bill-paying plan; adjust for inevitable overspending; and, pay off debt without gouging expenses and (believe it or not) start saving. The plan is clear, easy, and takes just five minutes a day-and it doesn't matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom-all before the next billing cycle.
The Total Money Makeover
By Ramsey, Dave
Respected financial expert Dave Ramsey offers a comprehensive plan for getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice needed to make your goals a reality. Filled with both the "hope" and the "how-to," The Total Money Makeover includes: Useful worksheets and forms Readable and informative charts and graphs The four factors that keep people from getting in shape financially Photos and amazing stories from people who have succeeded following The Total Money Makeover plan The Total Money Makeover is a necessity for everyone in need of a financial makeover. Readers will learn to live by the The Total Money Makeover motto: "If you will live like no one else, later you can live like no one else."
The Smart Consumer's Guide to Good Credit
By Ulzheimer, John
Most credit books promise quick fixes and easy solutions to bad credit, but the truth is there is no quick fix when it comes to credit. Your best strategy as a smart consumer is to understand your credit inside and out. Credit expert John Ulzheimer can give you all the tools you need to master the world of credit, before or after you get into trouble, and take the power back into your own hands. Topics covered include: * The difference between a credit score and a credit report * The best way to deal with collection agencies * How to monitor your credit report * Protecting yourself from identity theft * The impact of student loans on your credit score * How to opt out of unwanted credit card offers The Smart Consumer's Guide to Good Credit answers all of your questions about credit (including the ones you didn't even know you should be asking!) and yes, even explains the best ways to work toward improving a bad credit score.