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Time and money. Those are the two most important assets you have, and smart people manage both of them wisely. Managing Your Money All-in-One For Dummies is your one-stop resource to turn to when you're ready to manage your money. It offers everything you need to confidently handle your finances. When you're ready to create a budget, pay down debt, and scale back your expenses, you'll find the support you need here. If you're eyeing the future, you'll find advice on improving your credit score, saving for college and retirement, and planning an estate. As if all of that isn't enough, this comprehensive book covers other financial topics such as buying insurance, investing in your 401(k), and so much more.
The authors of Managing Your Money All-in-One For Dummies explain how to handle your money in a way that encourages you to think and act positively, no matter what your financial situation looks like. And as you move toward financial freedom, you can come back to this book to get advice on topics that go beyond day-to-day money management, such as taking out a mortgage, investing online, and more.
* Get your financial life in order, whatever your stage of life
* Make a budget, manage your credit, and pay down your debt
* Demystify financial reports, online investing, and retirement plans
* Save for college and learn how to balance your saving and spending habits in any economy
* Navigate the new norm of online banking
Spend some time learning how to manage your money today. It'll be a wise investment of both of your most valuable assets.
Time and money. Those are the two most important assets you have, and smart people manage both of them wisely. Managing Your Money All-in-One For Dummies is your one-stop resource to turn to when you're ready to manage your money. It offers everything you need to confidently handle your finances. When you're ready to create a budget, pay down debt, and scale back your expenses, you'll find the support you need here. If you're eyeing the future, you'll find advice on improving your credit score, saving for college and retirement, and planning an estate. As if all of that isn't enough, this comprehensive book covers other financial topics such as buying insurance, investing in your 401(k), and so much more.
The authors of Managing Your Money All-in-One For Dummies explain how to handle your money in a way that encourages you to think and act positively, no matter what your financial situation looks like. And as you move toward financial freedom, you can come back to this book to get advice on topics that go beyond day-to-day money management, such as taking out a mortgage, investing online, and more.
* Get your financial life in order, whatever your stage of life
* Make a budget, manage your credit, and pay down your debt
* Demystify financial reports, online investing, and retirement plans
* Save for college and learn how to balance your saving and spending habits in any economy
* Navigate the new norm of online banking
Spend some time learning how to manage your money today. It'll be a wise investment of both of your most valuable assets.
Ted Benna and Brenda Watson Newmann are coauthors of 401(k)s & IRAs For Dummies. John Ventura was the coauthor of Managing Debt For Dummies with Mary Reed. Eric Tyson is coauthor with Robert S. Griswold on Mortgage Management For Dummies. Jack Hungelmann is author of Insurance For Dummies. Melyssa Barrett, Steve Bucci, Rod Griffin are coauthors of Credit Repair Kit For Dummies. Other authors include Matt Krantz, Deborah Taylor-Hough, James P. Caher, John M. Caher, Kathleen Sindell, Margaret Atkins Munro, N. Brian Caverly, and Jordan S. Simon.
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 email and texting to stay in touch 100
Rediscovering the joys of letter writing 100
Saving on Climate Control 101
Dressing for the weather 101
Keeping your cool when the weather's not 101
Warming the house 104
Cutting Back on Electricity and Gas Use 106
Improving your appliance efficiency 107
Shedding some light on the subject 107
Trash Talk: Controlling Garbage Costs 108
Reducing what you throw away 108
Reusing household items in creative ways 109
Cutting Down on Water Use 110
Keeping a Ceiling on Housing Budgets 111
Saving money on rent 111
Saving money on home ownership 112
Cutting Transportation Costs 115
Finding a deal on a set of wheels 115
Using public transportation 117
Biking and walking 117
Finding bargains on airfare and rental cars 118
Opting to travel by train or bus 119
Purchasing Appliances 119
Keeping energy efficiency in mind 119
Shopping for scratch-and-dent and secondhand 120
Thinking twice about renting-to-own 120
Chapter 2: Selecting the Best Home Purchase Loan 121
Three Questions to Help You Pick the Right Mortgage 122
How long do you plan to keep your mortgage? 122
How much financial risk can you accept? 123
How much money do you need? 124
Fixed-Rate Mortgages: No Surprises 125
Adjustable-Rate Mortgages (ARMs) 127
How an ARM's interest rate is determined 129
How often does the interest rate adjust? 132
What are the limits on rate adjustments? 132
Does the loan have negative amortization? 133
Fine-Tuning Your Thought Process 135
Finding funds 136
Making the 30-year versus 15-year mortgage decision 136
Getting a Loan When Rates Are High 137
Chapter 3: Handling a Mortgage Meltdown 139
Assessing the Damage from a Mortgage Meltdown 140
Understanding How Mortgages Differ from Other Loans 141
Spotting a foreclosure on the horizon 142
Counting to 90 142
Knowing Where to Turn for Help 143
Finding good help for free 143
Working with your mortgage servicer 144
Avoiding help that hurts 145
Considering Alternatives to Going Down with the Ship 146
What to do first 146
What to do for more serious problems 147
What to do to end matters 147
Managing a foreclosure 148
Strategic default: Stopping payments 149
Dealing with Deficiencies 151
Preparing for "Credit Winter" 152
Chapter 4: Keeping a Lid on Medical Costs 155
Saving on Medical Expenses 155
Keeping a close eye on bills 155
Looking into payment plans 156
Coordinating insurance benefits 156
Finding less-expensive prescriptions 156
Discovering What Makes a Great Health Insurance Plan 157
Deciding Between Individual and Group 158
Pricing 158
Underwriting 158
Benefit levels 159
Renewability 159
Coverage flexibility 159
Saving Money on Individual Coverage 160
Saving directly 160
Saving indirectly with self-care 163
Coping with Health Insurance Problems 164
Insuring the uninsurable 164
Staying insured through hard times 165
Insuring your kids when your policy no longer covers them 165
Evaluating insurance available through college 166
Understanding temporary health insurance 167
Continuing coverage following a divorce 168
Deciding on a conversion policy 169
Considering HIPAA instead 170
Taking Decisive Action 174
Reviewing bills with a fine-tooth comb 175
Making your plan pay what it should 175
Taking advantage of hospital discounts 176
Reducing your medical debt 177
Chapter 5: Using the Internet to Help Manage Your Finances 179
Giving Yourself an Online Financial Makeover 180
Using the Internet to Budget 181
Finding Online Resources to Track Your Income and Expenses 184
Using the Internet to Get Free Financial Advice 185
Finding Out What You're Worth 186
Book 3: Dealing with Debt 189
Chapter 1: Tackling What You Owe 191
Taking Stock of Your Finances 192
Using a Budget to Get Out of Debt 193
Taking the Right Steps When You Have Too Much Debt 194
Handling Debt Collectors 195
Realizing your rights 196
Understanding why debt collectors behave as they do 197
Getting a Financial Education 198
The difference between good debt and bad debt 198
Distinguishing between types of credit 199
Seeing yourself through a creditor's eyes 200
Building a better credit history 201
Chapter 2: Starting or Restarting Your Credit in Real Life 203
Debunking Misinformation about Banking and Credit 204
Why you need credit 205
Why credit is safe 206
Obtaining Credit: Starting Out on the Right Foot 207
Establishing a credit file without a Social Security number 208
Setting goals before you set out 209
Establishing a relationship with a financial institution 210
Using prepaid and reloadable cards 212
Fattening up your credit file 212
Avoiding high interest, fees, and scams 214
Overcoming Credit Fears and Mistakes 215
Qualifying for First-Time Cards and Lending 217
Getting a credit card 217
Using savings for credit 219
Considering Credit for Students and Military Members 220
Giving credit to students 220
Following military credit rules 222
Chapter 3: Consolidating Your Debts 225
Knowing When Debt Consolidation Makes Sense 225
Considering Your Options 226
Transferring balances 227
Getting a bank loan 229
Borrowing...
| Erscheinungsjahr: | 2022 |
|---|---|
| Fachbereich: | Wirtschaftsratgeber |
| Genre: | Importe, Wirtschaft |
| Rubrik: | Recht & Wirtschaft |
| Medium: | Taschenbuch |
| Inhalt: | 696 S. |
| ISBN-13: | 9781119883357 |
| ISBN-10: | 1119883350 |
| Sprache: | Englisch |
| Einband: | Kartoniert / Broschiert |
| Autor: | The Experts at Dummies |
| Hersteller: | John Wiley & Sons Inc |
| Verantwortliche Person für die EU: | Wiley-VCH GmbH, Boschstr. 12, D-69469 Weinheim, amartine@wiley-vch.de |
| Maße: | 232 x 186 x 40 mm |
| Von/Mit: | The Experts at Dummies |
| Erscheinungsdatum: | 25.08.2022 |
| Gewicht: | 0,96 kg |
Ted Benna and Brenda Watson Newmann are coauthors of 401(k)s & IRAs For Dummies. John Ventura was the coauthor of Managing Debt For Dummies with Mary Reed. Eric Tyson is coauthor with Robert S. Griswold on Mortgage Management For Dummies. Jack Hungelmann is author of Insurance For Dummies. Melyssa Barrett, Steve Bucci, Rod Griffin are coauthors of Credit Repair Kit For Dummies. Other authors include Matt Krantz, Deborah Taylor-Hough, James P. Caher, John M. Caher, Kathleen Sindell, Margaret Atkins Munro, N. Brian Caverly, and Jordan S. Simon.
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 email and texting to stay in touch 100
Rediscovering the joys of letter writing 100
Saving on Climate Control 101
Dressing for the weather 101
Keeping your cool when the weather's not 101
Warming the house 104
Cutting Back on Electricity and Gas Use 106
Improving your appliance efficiency 107
Shedding some light on the subject 107
Trash Talk: Controlling Garbage Costs 108
Reducing what you throw away 108
Reusing household items in creative ways 109
Cutting Down on Water Use 110
Keeping a Ceiling on Housing Budgets 111
Saving money on rent 111
Saving money on home ownership 112
Cutting Transportation Costs 115
Finding a deal on a set of wheels 115
Using public transportation 117
Biking and walking 117
Finding bargains on airfare and rental cars 118
Opting to travel by train or bus 119
Purchasing Appliances 119
Keeping energy efficiency in mind 119
Shopping for scratch-and-dent and secondhand 120
Thinking twice about renting-to-own 120
Chapter 2: Selecting the Best Home Purchase Loan 121
Three Questions to Help You Pick the Right Mortgage 122
How long do you plan to keep your mortgage? 122
How much financial risk can you accept? 123
How much money do you need? 124
Fixed-Rate Mortgages: No Surprises 125
Adjustable-Rate Mortgages (ARMs) 127
How an ARM's interest rate is determined 129
How often does the interest rate adjust? 132
What are the limits on rate adjustments? 132
Does the loan have negative amortization? 133
Fine-Tuning Your Thought Process 135
Finding funds 136
Making the 30-year versus 15-year mortgage decision 136
Getting a Loan When Rates Are High 137
Chapter 3: Handling a Mortgage Meltdown 139
Assessing the Damage from a Mortgage Meltdown 140
Understanding How Mortgages Differ from Other Loans 141
Spotting a foreclosure on the horizon 142
Counting to 90 142
Knowing Where to Turn for Help 143
Finding good help for free 143
Working with your mortgage servicer 144
Avoiding help that hurts 145
Considering Alternatives to Going Down with the Ship 146
What to do first 146
What to do for more serious problems 147
What to do to end matters 147
Managing a foreclosure 148
Strategic default: Stopping payments 149
Dealing with Deficiencies 151
Preparing for "Credit Winter" 152
Chapter 4: Keeping a Lid on Medical Costs 155
Saving on Medical Expenses 155
Keeping a close eye on bills 155
Looking into payment plans 156
Coordinating insurance benefits 156
Finding less-expensive prescriptions 156
Discovering What Makes a Great Health Insurance Plan 157
Deciding Between Individual and Group 158
Pricing 158
Underwriting 158
Benefit levels 159
Renewability 159
Coverage flexibility 159
Saving Money on Individual Coverage 160
Saving directly 160
Saving indirectly with self-care 163
Coping with Health Insurance Problems 164
Insuring the uninsurable 164
Staying insured through hard times 165
Insuring your kids when your policy no longer covers them 165
Evaluating insurance available through college 166
Understanding temporary health insurance 167
Continuing coverage following a divorce 168
Deciding on a conversion policy 169
Considering HIPAA instead 170
Taking Decisive Action 174
Reviewing bills with a fine-tooth comb 175
Making your plan pay what it should 175
Taking advantage of hospital discounts 176
Reducing your medical debt 177
Chapter 5: Using the Internet to Help Manage Your Finances 179
Giving Yourself an Online Financial Makeover 180
Using the Internet to Budget 181
Finding Online Resources to Track Your Income and Expenses 184
Using the Internet to Get Free Financial Advice 185
Finding Out What You're Worth 186
Book 3: Dealing with Debt 189
Chapter 1: Tackling What You Owe 191
Taking Stock of Your Finances 192
Using a Budget to Get Out of Debt 193
Taking the Right Steps When You Have Too Much Debt 194
Handling Debt Collectors 195
Realizing your rights 196
Understanding why debt collectors behave as they do 197
Getting a Financial Education 198
The difference between good debt and bad debt 198
Distinguishing between types of credit 199
Seeing yourself through a creditor's eyes 200
Building a better credit history 201
Chapter 2: Starting or Restarting Your Credit in Real Life 203
Debunking Misinformation about Banking and Credit 204
Why you need credit 205
Why credit is safe 206
Obtaining Credit: Starting Out on the Right Foot 207
Establishing a credit file without a Social Security number 208
Setting goals before you set out 209
Establishing a relationship with a financial institution 210
Using prepaid and reloadable cards 212
Fattening up your credit file 212
Avoiding high interest, fees, and scams 214
Overcoming Credit Fears and Mistakes 215
Qualifying for First-Time Cards and Lending 217
Getting a credit card 217
Using savings for credit 219
Considering Credit for Students and Military Members 220
Giving credit to students 220
Following military credit rules 222
Chapter 3: Consolidating Your Debts 225
Knowing When Debt Consolidation Makes Sense 225
Considering Your Options 226
Transferring balances 227
Getting a bank loan 229
Borrowing...
| Erscheinungsjahr: | 2022 |
|---|---|
| Fachbereich: | Wirtschaftsratgeber |
| Genre: | Importe, Wirtschaft |
| Rubrik: | Recht & Wirtschaft |
| Medium: | Taschenbuch |
| Inhalt: | 696 S. |
| ISBN-13: | 9781119883357 |
| ISBN-10: | 1119883350 |
| Sprache: | Englisch |
| Einband: | Kartoniert / Broschiert |
| Autor: | The Experts at Dummies |
| Hersteller: | John Wiley & Sons Inc |
| Verantwortliche Person für die EU: | Wiley-VCH GmbH, Boschstr. 12, D-69469 Weinheim, amartine@wiley-vch.de |
| Maße: | 232 x 186 x 40 mm |
| Von/Mit: | The Experts at Dummies |
| Erscheinungsdatum: | 25.08.2022 |
| Gewicht: | 0,96 kg |
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