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Produktbild: Managing Your Money All-in-One For Dummies, 2nd Edition

Managing Your Money All-in-One For Dummies, 2nd Edition

37,99 €

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Beschreibung

Produktdetails

Einband

Taschenbuch

Erscheinungsdatum

25.08.2022

Herausgeber

The Experts at Dummies

Verlag

John Wiley & Sons

Seitenzahl

720

Maße (L/B/H)

23,2/18,6/4 cm

Gewicht

960 g

Auflage

2. Auflage

Sprache

Englisch

ISBN

978-1-119-88335-7

Beschreibung

Produktdetails

Einband

Taschenbuch

Erscheinungsdatum

25.08.2022

Herausgeber

The Experts at Dummies

Verlag

John Wiley & Sons

Seitenzahl

720

Maße (L/B/H)

23,2/18,6/4 cm

Gewicht

960 g

Auflage

2. Auflage

Sprache

Englisch

ISBN

978-1-119-88335-7

Herstelleradresse

Libri GmbH
Europaallee 1
36244 Bad Hersfeld
DE

Email: gpsr@libri.de

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  • Produktbild: Managing Your Money All-in-One For Dummies, 2nd Edition

  • Introduction 1

    About This Book 1

    Foolish Assumptions 2

    Icons Used in This Book 3

    Beyond the Book 3

    Where to Go from Here 3

    Book 1: Taking Charge of Your Finances 5

    Chapter 1: Assessing Where You Are Financially 7

    Asking Some Preliminary Questions 8

    Evaluating Your Relationship with Money 9

    Recognizing emotional spending 9

    Living for the moment 9

    Checking Out Your Credit Reports 10

    Getting copies of your credit reports 10

    Knowing why your reports matter 11

    Finding Out Your FICO Score 11

    Comparing Spending and Income 12

    Gathering the necessary materials 12

    Categorizing your expenses 13

    Figuring out the fritter factor 17

    Totaling spending and earnings 17

    Calculating your financial bottom line 18

    Assessing Your Spending Habits 18

    Cataloging What You Own 20

    Adding Up What You Owe 22

    Chapter 2: Improving Your Relationship with Money 25

    Working with Your Partner to Achieve Financial Goals 26

    Recognizing your financial strengths and weaknesses 26

    Identifying long-term goals 28

    Establishing savings goals 29

    Finding peaceful solutions to differences 29

    Pulling together with your spouse or partner 30

    Talking money with your children 31

    Believing in Yourself 33

    Handling Setbacks 35

    Asking for Help 37

    Digging Out of Debt 38

    Step 1: Acknowledge the problem 38

    Step 2: Cut the cards 38

    Step 3: Set a good budget and live within it 39

    Step 4: Contact your creditors 39

    Budgeting for the Future 39

    Step 1: Categorize your expenses 40

    Step 2: Estimate what you spend 41

    Step 3: Calculate and adjust 41

    Chapter 3: Building and Sticking to a Budget 43

    Comparing Monthly Spending and Income 44

    Tackling a Budget Deficit 49

    Cutting expenses 49

    Reducing debt before saving 49

    Using other strategies 50

    Paying the Important Stuff If You Can't Pay Everything 52

    Distinguishing between secured and unsecured debt 52

    Knowing when to prioritize an unsecured debt 53

    Examining a Budget Surplus 54

    Finalizing and Sticking to Your Budget 54

    Steeling your resolve 55

    Checking your progress each month 55

    Chapter 4: Cutting Spending and Boosting Income 59

    Finding Ways to Spend Less 60

    Looking for good deals 60

    Spending less on your housing 60

    Lowering your utility bills 61

    Eating for less 62

    Paying less for transportation 64

    Having fun for less 65

    Looking good for less 66

    Dressing for less 66

    Reducing your phone costs 67

    Saving on prescription drugs 67

    Inching down your insurance costs 68

    Bringing in More Bucks 70

    Earning more at your current job 71

    Looking for a new job 71

    Getting (and surviving) a second job 74

    Considering freelancing 75

    Chapter 5: Cleaning Up Your Credit Reports 77

    Understanding the True Value of Good Credit 78

    Reviewing Your Reports for Problems 81

    Using the Law to Get Your Credit Record Clean and Keep It That Way 84

    Identifying and Disputing Inaccurate Information 87

    Understanding the dispute process 87

    Correcting all your credit reports 88

    Contacting the creditor 93

    Adding Positive Information to Your Credit Report 94

    Asking your landlord to report your rent payments 94

    Adding your utility and cell-phone payments to your report 94

    Opening new credit accounts 95

    Adding a 100-word statement 95

    Book 2: Managing Home and Personal Finances 97

    Chapter 1: Running a Money-Smart Household 99

    Reaching Out to Touch Someone 99

    Saving on phone bills 100

    Using e