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Full Description
Build a budget that puts you on solid financial footing
Ask any financially successful person how they achieved their goals, and chances are they'll tell you it all started with a budget. And that's exactly where you should start. Budgeting For Dummies shows you how to create a plan that fits your lifestyle, manages everyday needs, and builds your savings. Author Athena Valentine, founder of the Money Smart Latina blog, offers step-by-step details for creating and following a budget without feeling like you're depriving yourself and your family of all the things that make life worth living. This book shows you how to figure out where your money comes from and where it goes so you can live the life you want and work toward your financial goals. Find out how to establish an emergency fund, eliminate debt, improve your credit score, and stick to your budget through economic ups and downs.
Discover budgeting methods that work so you can live within your means
Create a budget for your unique situation to get a handle on your income and expenses
Deal with common budgeting challenges without taking on more debt
Increase your credit score and save toward a major purchase
You don't need to make six figures to achieve your financial goals. Valentine, who also writes for Slate.com, knows the struggle of trying to make ends meet and is enthusiastic about sharing her knowledge with anyone who wants to improve their financial literacy. If you're not sure where to start when it comes to managing your money, you can depend on Valentine's tried-and-true advice in Budgeting For Dummies to set you on the right path.
Contents
Introduction 1
Part 1: All about Budgeting 5
Chapter 1: Beginning with Budgeting Basics 7
Chapter 2: Breaking Down the Parts of a Budget 21
Part 2: Finding a Budget That Works for You 37
Chapter 3: Zero-Based Budgeting 39
Chapter 4: The 50/30/20 Budget 59
Chapter 5: The Envelope Budget 77
Chapter 6: The Pay-Yourself-First Budget 95
Chapter 7: Tips for Creating a New Budget 107
Part 3: Taking Care of Your Priorities 127
Chapter 8: Establishing an Emergency Fund 129
Chapter 9: Saving for Your Retirement 147
Chapter 10: Eliminating Debt 153
Part 4: Budgeting in Action 177
Chapter 11: Budgeting in a Tough Economy 179
Chapter 12: Budgeting during Different Life Stages 193
Chapter 13: Budgeting for a Major Purchase or Life Event 211
Part 5: Using Your Budget for Money Management 231
Chapter 14: Budgeting for Major Life Changes 233
Chapter 15: Keeping Tabs on Credit Card Spending 249
Chapter 16: Using a Budget to Plan for the Future 259
Part 6: The Part of Tens 275
Chapter 17: Ten Creative Ways to Budget 277
Chapter 18: Ten Ways to Stay Motivated When Following a Budget 281
Index 285
