Easy Money: How to Simplify Your Finances and Get What You Want Out Of Life

Easy Money: How to Simplify Your Finances and Get What You Want Out Of Lif by LIZ PULLIAM WESTON pdfEasy Money: How to Simplify Your Finances and Get What You Want Out Of Lif by LIZ PULLIAM WESTON pdf

Have you paid a late fee on a credit card or bounced a check in the past year? Did you misplace a bill, a statement, or some other financial record that you desperately needed to find? Are you confused about how much insurance you should buy, which health plan you should choose, the right way to save for college or retirement?

Do you ever wish you could spend less time worrying about money? If so, you’re in good company.

People today have to make a lot more financial decisions and keep track of far more details than they did even a generation ago. Instead of one health care plan, you may have to choose from half a dozen—or you may have no insurance at all. Instead of a traditional pension plan provided by an employer, you probably have to save for retirement on your own—and figure out how-much to contribute, where to invest the contributions, and eventually how to take your money out. Instead of a credit card or two, you have access to literally tens of thousands of options, all w-ith different rates, terms, and due dates. Even mortgages, which used to come in one basic flavor—fixed rate, for 30 years—have multiplied into a bewildering array of alternatives.

At the same time, the penalties for making mistakes seem to be escalating every day. It’s not just that late fees, bounced-check charges, and overlimit penalties are skyrocketing. There arc bigger issues. Choose the w-rong health coverage, for example, and you could become one of the hundreds of thousands of people each year who have to file bankruptcy, in part because of medical reasons. Mess up on your retirement, and you could be working well past the age when your peers are on the golf course.

If you’re like most people, all of this is simply overwhelming. Even if you do have time to research and understand all your options, you probably feel like you don’t have time to properly manage every aspect of your finances the way you’d like w-hile still holding down a job, caring for a family, and enjoying a minute or two of leisure time every once in a while.

The good news is that there is hope. You can winnow down your choices, streamline your financial systems, and take control of your money. A few hours spent with this book and a little time invested in today’s personal finance technology can put you on track for your goals and alleviate your anxiety about the details that could otherwise trip you up.
Let’s get started!

 

CONTENTS

1. Setting Up Your Financial Life

  • Your Financial Toolkit
  • Consider Two Checking Accounts
  • The Right Ways to Pay Your Bills
  • Build Your Control Panel

2 Take Charge of Your Spending

  • The 60 Percent Solution
  • The 50/30/20 Plan
  • How Do I Prioritize My Goals?
  • Couples and Money
  • Your Checklist

3 Get the Most Out of Your Credit Cards

  • If You Carry a Balance
  • How to Find the Best Card(s)
  • Your Checklist

4 The No-Sweat Guide to Retirement (and other) Investing

  • How to Manage Risk
  • Why Beating the Market Is So Tough
  • The Three Keys to Successful Investing
  • Why Life-Cycle and Target Maturity Funds May Be the Answer
  • Which Account Do I Use?
  • Coordinating Your Approach
  • Getting Help
  • How Much Should I Save for Retirement?
  • Ballpark E$timate®
  • As You Approach Retirement
  • Your Checklist

5 The Easy Way to Save for College

  • Why 529 College Savings Plans Rock
  • Picking the Right College Savings Plan
  • Prepaid Tuition Plans
  • Your High School Game Plan
  • What to Do If You’re Starting Late Your Checklist

6 Insurance: Protecting What You Have—And Will Have

  • Auto Insurance
  • Renters Insurance
  • Condo Owners Insurance
  • Homeowners Insurance
  • Umbrella Liability Policies
  • Health Insurance
  • Disability Insurance
  • Life Insurance
  • Your Checklist

7 Buying Homes and Cars

  • When You’re Ready to Buy a Home
  • The Home-Buying Timeline
  • Picking the Right Mortgage
  • The Smart Way to Buy Cars
  • Why We Overspend on Cars
  • What to Do if You’ve Already Overspent
  • Your Checklist

8 When You Need Help

  • How to Find a Financial Planner
  • When You Need a Tax Pro
  • Working with an Estate Planning Attorney
  • Your Checklist

9 Be a Savvy Shopper

  • Sites Worth Paying For
  • Price Comparison Sites
  • Internet Shopping 101
  • Sites to Bookmark
  • Check for Coupons
  • When You’re in the Market for Real Bargains
  • A Word about Price Guarantees
  • How to Be a Savvy Traveler

10 Changing Your Uneasy Mind

  • “The One Who Dies with the Most Toys Wins”
  • “We’d Be Fine If Our Income Was Just a Little Higher”
  • “I’ll Never Have Enough”
  • “I’m Such a Loser; I’d Be So Much Farther Ahead If I Hadn’t Made So Many Mistakes with Money”
  • “I’ll Never Understand This Money Stuff’
  • “It’s Not My Fault”
  • Money and Your Brain
  • Your Checklist

11 Setting Goals, Or What Are You Doing the Rest of Your Life?

  • Visualizing Your Ideal Life
  • Setting the Tinier
  • The End Game
  • What It’s All About

Language: English
Format: PDF
Pages: 219
Size: 12.3 Mb
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