Financial Literacy Essentials for Dummies

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Financial Literacy Essentials for Dummies

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  • 製本 Paperback:紙装版/ペーパーバック版/ページ数 208 p.
  • 言語 ENG
  • 商品コード 9781394326167
  • DDC分類 332.024

Full Description

Your to-the-point guide on the essentials of managing your finances

The first step in becoming a better personal financial manager is understanding the pillars of personal finance. Financial Literacy Essentials For Dummies is your cheat sheet on understanding how to better manage your finances. Distilled down to the essentials, this book makes it easy for anyone to learn the basics of managing money. You won't be able to escape life's many expenses, but with this book, you can get a grip on smart spending, saving, investing, and beyond. Start by creating a realistic budget for your situation and make a plan for achieving your goals. Money doesn't have to be scary with this Essentials guide.

Get quick-and-easy explanations budgeting, savings accounts, and debt
Understand how much you can really afford to spend, and learn to spend smarter
Make a plan for getting out of debt—or avoid getting into debt in the first place
Ensure that you have enough of a buffer to deal with unexpected expenses

Need easy-to-understand information to help get your finances on track? Financial Literacy Essentials For Dummies is the guide for you.

Contents

Introduction 1

About This Book 1

Foolish Assumptions 1

Icons Used in This Book 2

Where to Go from Here 2

Chapter 1: Introduction to Financial Literacy 3

What Is Financial Literacy, Anyway? 3

Budgeting and transaction accounts 4

Investing 4

Insurance 4

Why It Matters: The Power of Knowing Your Money Stuff 5

Identifying hurdles to financial success 5

Understanding your personal and emotional hurdles 6

Developing good financial habits 7

How to Avoid the "Oops, I Bought a Timeshare" Scenario 7

Assessing free financial content online 8

Protecting yourself from supposed financial gurus 9

Considering the influence of advertising 11

Preventing Common Money Mistakes 12

Chapter 2: Budgeting Basics 15

Creating a Budget 15

Tracking Expenses: From Lattes to Rent 16

Tracking spending the "low-tech" way 17

Tracking your spending on "free" websites and apps 21

Getting a handle on overspending 23

Figuring Out Your Savings Rate 25

Calculating Your Financial Net Worth 28

Adding up your financial assets 28

Subtracting your financial liabilities 29

Crunching your numbers 30

Interpreting your net worth results 31

Emergency Funds: Because Life Throws Curveballs 31

Preparing financially for the unexpected 32

Assessing your resources 33

Surveying societal safety nets 36

Table of Contents iii

Chapter 3: Saving Like a Pro 41

Savings Accounts 101: Where to Stash Your Cash 41

Getting Help from Technology: Let Robots Do the Work 43

Assessing financial software 43

Understanding how apps can benefit and harm your bottom line 44

Managing your money with software and apps 46

Chapter 4: Debt Demystified 53

Good Debt versus Bad Debt 53

Consuming your way to bad debt 54

Recognizing bad debt overload 54

Assessing good debt: Can you get too much? 56

Managing Debt: Good, Bad, and Unexpected 56

Planning for educational expenses 57

Using credit cards strategically 58

Anticipating medical bills 58

Strategies for Debt Repayment 59

Using savings to reduce your consumer debt 59

Decreasing debt when you lack savings 61

Reducing your credit card's interest rate 62

Turning to credit counseling agencies 66

Filing bankruptcy 67

Stopping the Spending/Consumer Debt Cycle 72

Resisting the credit temptation 72

Identifying and treating a compulsion 73

Chapter 5: Investment Strategies 75

Understanding Investment Vehicles 75

Reducing risk with bonds 75

Investing in stocks 77

Checking out mutual funds and exchange-traded funds 81

Deciding whether real-estate investing is for you 89

Building wealth through small business investing 93

Are You a Daredevil or a Safety Net Enthusiast? 94

Realizing risks 94

Managing risks 96

Making sense of returns 97

Matching risk-taking to your investment goals 98

Diversification: Not Just a Fancy Word for Variety 99

Allocating your assets 100

Allocating money for the long term 101

Resisting the urge to trade 102

Investing lump sums via dollar-cost averaging 103

Chapter 6: Credit Scores and Reports: The Magic Numbers 105

Why Your Credit Report and Credit Score Matter 105

Making Sense of Credit Reports 106

Obtaining your credit reports 107

Reviewing your credit reports 107

Fixing credit-report errors 107

Getting Your Credit Score 108

Interpreting your credit score 109

Understanding how your FICO score is calculated 110

Improving your FICO score 112

Tracking credit inquiries 112

What FICO scores ignore 113

Gaining insight from rejections 114

Boosting Your Credit Rating 114

Chapter 7: Financial Goals and Dreams 117

Setting Financial Goals 117

Saving on a Car 118

Saving for a Home 120

Understanding mortgage essentials 120

Budgeting for monthly expenses 121

Grasping the tax benefits of homeownership 122

Considering closing costs 124

Accumulating the down payment 124

Planning for College Costs 128

Setting realistic savings goals 128

Understanding the expected family contribution 129

Finding financial aid and other resources 130

Saving and investing: Long-term strategies 131

Saving strategies for late starters 132

Developing a Retirement Plan 133

Figuring out what portion of income you need 134

Eyeing the components of your retirement plan 135

Crunching the numbers 137

Making the numbers work 139

Dealing with excess money 140

Investing in retirement accounts when you're young 140

Chapter 8: Protecting Your Assets with Insurance 147

Protecting Your Castle (and Your Pokémon Collection) 148

Insuring your home 148

Insuring your car 150

Protecting against mega-liability: Umbrella insurance 151

Assessing Your Need for Life Insurance 152

Determining how much life insurance you need 153

Reviewing your current life coverage 154

Figuring out what type to buy 156

Choosing where to buy life insurance 157

Protecting Your Employment Income: Disability Insurance 158

Identifying needed disability coverage 160

Shopping for disability coverage 161

Understanding Long-Term Care 161

Naming the types of long-term care 162

Predicting who will need long-term care 164

Planning to pay for LTC 164

Estate Planning: Passing the Torch to Future You 165

Wills, living wills, and medical powers of attorney 165

Avoiding probate through living trusts 166

Reducing estate taxes 167

Chapter 9: Making Tax-Wise Personal Finance Decisions 169

Considering Taxes in Your Financial Planning 170

Avoiding Common Tax Mistakes 171

Seeking advice after a major decision 171

Failing to withhold enough taxes 172

Overlooking legitimate deductions 172

Passing up retirement accounts 173

Ignoring tax considerations when investing 173

Not buying a home 173

Allowing your political views to distort your decision making 174

Ignoring the financial aid (tax) system 174

Neglecting the timing of events you can control 174

Not using tax advisors effectively 176

Understanding Why People Make Bad Tax Decisions 177

Getting bad advice 177

Misleading advertising 178

Following advice from websites and publications 178

Overspending 178

Financial illiteracy 179

Chapter 10: Ten Questions to Ask Financial Advisors 181

What Portion of Your Income Comes from Clients' Fees versus Commissions? 181

What Portion of Client Fees Is for Money Management versus Hourly Planning? 183

What Is Your Hourly Fee? 183

Do You Perform Tax or Legal Services? 183

What Work Experience and Education Qualifies You to Be a Financial Planner? 184

Do You Carry Liability Insurance? 184

Can You Provide References from Similar Clients? 185

Will You Provide Specific Strategies and Product Recommendations? 185

How Is Implementation Handled? 186

Index 187

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