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, pain or worry in you? own Finance Workbook For Dummies is helping you calm your damaging emotions and get your monetary condo so as even as. And, you may be surprised how effortless it truly is to get at the highway to monetary fitness.
From spending and saving to making an investment correctly, this hands-on workbook walks you thru a personal monetary counseling consultation and indicates you ways to evaluate your scenario and deal with your funds. you will easy methods to use credits correctly, plan for big expenditures, make sure 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. realize how to:
- Take inventory of your monetary heritage and ensure your web worth
- Build a private financial statement that meets your saving and making an investment goals
- Develop strong spending behavior and get out of debt—without budgeting
- Explore your desires, develop your wealth, and safeguard your assets
- Get the main from your money
- Minimize your taxes
- Plan for big-ticket purchases
- Pay in your children' collage tuition
- Ensure a comfy retirement
- Leave a considerable property in your heirs
The easy-to-follow routines in own Finance Workbook for Dummies take the drudgery and discomfort out of coping with your funds. Order this time- and money-saving advisor now; it will brighten your monetary destiny and your temper.
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Additional info for Personal Finance Workbook For Dummies
Sample text
Every other week = 26 c. Twice a month = 24 d. Monthly = 12 6. Multiply Line 4 times Line 5 for annual net income $25,636 33 34 Part I: Getting on the Road to Financial Fitness 7. 40 mile × number of workdays per year [approximately 250], plus parking at $3/day) Clothing and clothing maintenance $1,400 (Suits/uniforms, dry cleaning, shoes, accessories) Child care (included in FSA in Step 2) $ Unreimbursed business expenses $300 (Association dues, union dues, subscriptions, licenses, and so on) 8.
Refer to Worksheet 3-3 for a listing of the potential required monthly expenses that must be covered with this net income. Fortunately, in this example, the individual is also investing 10 percent of his gross income into his retirement plan. He is also saving taxes by taking advantage of his Flexible Spending Account and depositing the maximum allowable amount for child care. Because of this, he also pays less in income taxes than the ordinary person would. Next time you consider making a purchase and you tell yourself, “Ah, it’s only 20 bucks,” calculate how long it will take to net $20 — for the person in this example, it takes nearly three hours of work.
This section answers your questions and helps you figure out what you need and what you want. And because you will likely use up all your resources before you get through all your wants, just put the luxury category out of mind for now. Adding up your required expenses Your required expenses, or needs, must come first. To figure out what your required expenses (needs) are, you can begin to fill out Worksheet 3-3 by entering the total amount you’re personally responsible for, or the total for the household, whichever is easier.