By Sheryl Garrett

ISBN-10: 047009933X

ISBN-13: 9780470099339

ISBN-10: 047025582X

ISBN-13: 9780470255827

Do the phrases own finance or funds administration drudge up emotions of inadequacy, confusion, ache or worry in you? own Finance Workbook For Dummies is helping you calm your destructive emotions and get your monetary residence so as even as. And, you will be surprised how effortless it really is to get at the highway to monetary fitness.

From spending and saving to making an investment properly, this hands-on workbook walks you thru a personal monetary counseling consultation and indicates you the way to evaluate your state of affairs and deal with your cash. you will how to use credits properly, plan for giant expenditures, ascertain your coverage wishes, and make smarter monetary judgements. Plus, the featured worksheets and checklists assist you deal with your daily spending and plan for a strong monetary destiny. observe how to:

  • Take inventory of your monetary historical past and confirm your web worth
  • Build a private financial statement that meets your saving and making an investment goals
  • Develop reliable spending behavior and get out of debt—without budgeting
  • Explore your desires, develop your wealth, and shield your assets
  • Get the main from your money
  • Minimize your taxes
  • Plan for big-ticket purchases
  • Pay in your little ones' collage tuition
  • Ensure a snug retirement
  • Leave a considerable property in your heirs

The easy-to-follow routines in own Finance Workbook for Dummies take the drudgery and ache out of handling your cash. Order this time- and money-saving advisor now; it will brighten your monetary destiny and your temper.

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Extra resources for Personal Finance Workbook For Dummies

Sample text

How many times are you paid per year? a. Weekly = 52 b. Every other week = 26 c. Twice a month = 24 d. Monthly = 12 6. Multiply Line 4 times Line 5 for annual net income $ 35 36 Part I: Getting on the Road to Financial Fitness 7. List traditional job-related expenses (annual) Expense 8. Annual Cost Commuting costs $ Clothing and clothing maintenance $ Child care $ Unreimbursed business expenses $ List nontraditional job-related expenses (annual) You may incur these expenses due to the stress of your job, long hours, or working conditions.

Do balances appear even when an account has been paid in full? If you find that information isn’t accurate, check out the section “Disputing Inaccuracies on Your Credit Report,” later in this chapter. 25 26 Part I: Getting on the Road to Financial Fitness ߜ Pay your bills on time — every time. Send credit-card payments several days in advance of the billing cycle cutoff date instead of the due date listed on your statement. ߜ Keep your outstanding balances at 30 percent or less of your total credit line per account.

In this worksheet, the name of each file is in bold type. You may find that fewer or more files are necessary depending on your personal situation, preferences, or number of documents you have for a particular file. I also outline in this worksheet how long you should retain these documents for your records. 3. Separate your paperwork into four stacks: Bills To Be Paid; To Do/Read; File; and Shred. 4. Place the Bills To Be Paid stack into your new Bills Due file; place the papers in your To Do/Read stack into your new To Do or Read files; file all items in your File stack in their appropriate files (see Worksheet 2-1); and shred the remaining papers.

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Personal Finance Workbook For Dummies by Sheryl Garrett


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