
Personal Finance 101
Description
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Managing your finances can be overwhelming at times. But it doesn't have to be! Personal Finance 101 will provide you with all the skills you need to make good financial decisions and grow your personal wealth. Full of must-have advice and organized in an easy-to-read format, this book provides a wealth of knowledge on personal finance basics including:
-Choosing your bank (and why it matters)
-Building an emergency fund
-Salary and benefit packages
-Where your money is going (and how to keep more of it)
-Refinancing or consolidating student loans
-Health and property insurance
-Building credit responsibly
-How to get a mortgage
Use this guide and make the most of the money you have, plan for future purchases like a house or a vacation, save for retirement, or simply become more financially responsible. Perfect for finance beginners or those looking to refresh their knowledge, Personal Finance 101 is the one-stop shop for all of your personal finance questions!
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Person
Michele Cagan is a CPA, author, and financial mentor. With more than twenty years of experience, she offers unique insights into personal finances, from breaking out of debt and minimizing taxes to maximizing income and building wealth. Michele has written numerous articles and books about small business finances, investing, and accounting, including The Infographic Guide to Personal Finance; Real Estate Investing 101; Investing 101; Budgeting 101; Stock Market 101, 2nd Edition; and The Financial Recovery Workbook. In addition to her financial know-how, Michele has a not-so-secret love of painting, Star Wars, and chocolate. She lives in Maryland with her kid, dogs, cats, and koi. Get more financial guidance from Michele by visiting MicheleCaganCPA.com.
Content
- Intro
- Title Page
- Introduction
- Chapter 1: Your Financial Road Map
- Setting Financial Goals
- What's Your Net Worth?
- Decide What You Want
- Evaluating Your Progress
- The Benefits of Budgeting
- Opportunity Costs
- Know Where It's All Going
- Monitoring Your Budget
- Fixing the Leaks
- Chapter 2: How and Why to Save Money
- The Miracle of Compound Interest
- Inflation Is Not Your Friend
- Building an Emergency Fund
- Pumping Up Your Savings
- What Kind of Bank Do You Need?
- Banking Protection
- Where to Stash Your Cash
- Chapter 3: Managing Credit Cards
- Credit Cards
- Pay Them Off!
- Building and Repairing Credit Responsibly
- Repairing Damaged Credit
- Using Credit Cards Wisely
- Prioritize Your Bills
- Chapter 4: Understanding Loans
- Installment, Secured, and Unsecured Loans
- Creditors and Debt Collectors
- Filing for Bankruptcy
- Chapter 5: Student Loans
- Types of Loans
- Managing Student Loans
- Consolidating Student Loans
- Chapter 6: Working-Finding the Income You Need
- What Kind of Job Do You Want?
- Your Salary and Benefits
- Asking for a Raise
- Boosting Your Income
- Being Your Own Boss
- Chapter 7: Housing Options
- Where Do You Want to Live?
- The Basics of Renting
- Renters' Insurance and Moving
- HomeOwnership
- How to Get a Mortgage
- Buying Your Home
- Home Improvements
- Refinancing
- Foreclosure
- Chapter 8: Living Together and Marriage
- Getting Married and Personal Finance
- Planning an Affordable Wedding
- Children
- Breaking Apart
- Chapter 9: The Impact of Taxes
- Begin at the Beginning
- Other Tax Issues
- Credits and Deductions
- Chapter 10: Planning Your Retirement
- Retirement Plans
- Individual Retirement Accounts
- Other Retirement Plans
- Working with a Financial Planner
- Social Security and Healthcare
- Investing for Retirement
- Photographs
- About the Author
- About the Technical Editor
- Index
- Copyright
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