By Dara Duguay
ISBN-10: 1402213247
ISBN-13: 9781402213243
The common scholar personal loan debt has reached nearly $20,000. bank card debt maintains to upward push at unbelievable levels.
Please ship funds offers teens with the instruments they should navigate the tumultuous international of private finance with shrewdpermanent suggestion from best professional Dara Duguay, Director of Citigroup's workplace of monetary schooling. Dozens of eye-opening, real-life tales chronicle the monetary errors normally made by way of youngsters and current an array of recommendations.
Duguay covers subject matters including:
--Avoiding the traps of simple credit
--How to control vehicle payments
--The risks of utilizing pupil loans for private wishes and wants
--Dealing with bankruptcy
--Overcoming fabric temptations
Please ship funds includes invaluable monetary instruments for picking out finances, internet worthy, rate of credits, and secure debt degrees. it is a publication that no younger grownup could be with no.
Read Online or Download Please Send Money, 2E: A Financial Survival Guide for Young Adults on Their Own PDF
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Additional info for Please Send Money, 2E: A Financial Survival Guide for Young Adults on Their Own
Sample text
In fact, it was rare when I met someone who didn’t have a problem. I started to 40 Please Send Money Ch. 2 1/29/08 4:45 PM Page 41 Do You Run Out of Money Before You Run Out of Month? think everyone had financial difficulties—even those who were wealthy. As long as you spend more than you make, everyone is a candidate. As I recount the story of Phil and Jose, keep in mind their salaries in relation to their financial situation. One day when I dropped my car off for its maintenance checkup, the dealership gave me a ride to the convention center where I was scheduled to speak at a conference.
There was never money for traveling, entertainment, or nonessential purchases. Chuck’s goal was to escape a life of deprivation. By the age of twenty-four, he had spent two years working hard as an investment broker and saved virtually all of his money. He now had enough money to leave his neighborhood. He moved to the one place that was synonymous with wealth, Beverly Hills. Chuck was able to rent a small apartment with a fancy address. But he soon wanted more. He wanted the cars his neighbors drove, the clothes they wore, and the vacations they went on.
Only 16 percent of the students considered themselves “very thrifty,” meaning they save money whenever they can. For many young adults, if there is money to burn, it does not stay in their possession for long. When it comes to spending money there are, as we know, only three basic needs in life—food, shelter, and clothing. Anything else is a want. A credit counselor once told me a story about his wife, who was about to go shopping. ” Her husband, in the habit of lecturing clients every day on the difference between a want and a need, started to give her the same lecture.