I Haven't Saved a Dime, Now What?!: Get Out of Debt/ Save for Retirement/ Tax Help

I Haven't Saved a Dime, Now What?!: Get Out of Debt/ Save for Retirement/ Tax Help

by Barbara Loos


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I Haven't Saved a Dime, Now What?!: Get Out of Debt/ Save for Retirement/ Tax Help by Barbara Loos

So, you're completely without a "cash umbrella" for a rainy day--but you know you need to get serious about saving right away. Congratulations! You can do it. And, the rewards are great: the security of knowing you can pay for college, buy a house or car, and enjoy your retirement. Put your finances in order with advice on figuring out what you've got, handling your paycheck, truly understanding your spending habits, and paying down your debts. Track expenses, plan a sample budget, and even find out where to hire a professional to help you. Make up a monthly money diary and realistic budget--and really take advantage of those smart, painless tips on saving. Answers to common questions in every section will clear the confusion about banking, brokers, credit cards, bankruptcy, insurance, and many other financial concerns. You'll save much more than a dime...you'll use what you've learned here and watch your dollars grow and grow!

Product Details

ISBN-13: 9780760720646
Publisher: Silver Lining
Publication date: 03/01/1901
Series: Now What?! Series Series
Pages: 224
Product dimensions: 7.50(w) x 9.25(h) x (d)

Table of Contents

Untitled Chapter 1
Your money 6
Getting a grip 8
Your paycheck 10
All about banking 12
Banking on-line 14
Spending habits 16
Tracking expenses 18
Sample budget 20
Money software 22
Now what do I do? 24

Chapter 2
Getting rid of debt 26
Credit card overload 28
Kicking the credit card habit 30
Lightening the load 32
The credit report 34
Getting help 36
Bankruptcy 38
Now what do I do? 40

Chapter 3
Savings 42
The magic of interest 44
Emergency savings 46
How to save 48
Ranking your goals 50
Buying a house 52
Buying a car 54
Having a baby 56
Tackling tuition 58
Now what do I do? 60

Chapter 4
Investing 62
Investing basics 64
Short- and long-term 66
Piloting risk and return 68
Investing for your future 70
Diversify 72
Financial planners 74
Now what do I do? 76

Chapter 5
Stocks, bonds, mutual funds 78
Investments 101 80
What's a stock? 82
The stock markets 84
Stockbrokers 86
Reading stock tables 88
Financial Web sites 90
On-line trading 92
What's a bond? 94
Types of bonds 96
What's a mutual fund? 98
Choosing a fund 100
Your portfolio 102
Now what do I do? 104

Chapter 6
Insurance 106
Covering your assets 108
Life insurance 110
Term insurance 112
Permanent life insurance 113
Disability insurance 114
Home insurance 116
Taking a home inventory 118
Auto insurance 120
Making a claim 122
Health insurance 124
Now what do I do? 126

Chapter 7
Taxes 128
Understanding your taxes 130
Keeping records 132
Preparing a return 134
Look for deductions and credits 136
Common deductions and tax credits 138
Using tax software 140
Getting tax help 142
Tax-smart investing 144
Dealing with an audit 146
Now what do I do? 148

Chapter 8
Retirement 150
Help with retirement 152
How much will I need to retire 154
Retiring right 156
Health costs 158
Retirement homes 160
Now what do I do? 162

Chapter 9
Family finances 164
Kids and money 166
Kids and spending 168
Estate planning 170
Your will 172
What's probate? 174
Now what do I do? 176

Get it together 178
Glossary 180
Index 184

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