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The everything budgeting book : practical advice for saving and managing your money--from daily budgets to long-term goals /

By: Material type: TextTextSeries: Everything seriesEdition: 3rd edDescription: 300 pages : forms ; 24 cmISBN:
  • 9781440567766 (pbk.)
  • 144056776X (pbk.)
Other title:
  • Budgeting book
Subject(s): DDC classification:
  • 332.024 23
LOC classification:
  • HG179 .S84448 2013
Contents:
Top 10 reasons to budget in today's economy -- Introduction -- What is budgeting, and why do you need to do it? -- Prioritize your spending -- Assess your current financial situation -- Create a livable budget -- Freeze your spending for the short term -- Save money on food -- Cut your expenses at home -- Reduce your biggest expenses -- Restructure a heavy debt burden -- Refinance your home and tap your equity -- Add income -- Survive unemployment -- Stick to your budget in an emergency -- Bounce back: recover from financial disaster -- Get government help: there actually is a free lunch! -- Marriage or moving in: budget for two -- Change your budget for a new baby -- Change your budget to include a new house -- Save money for college -- Budget through a separation or divorce -- Change your budget after age fifty -- Save for retirement -- Stay motivated.
Summary: Looking for ways to stretch your paycheck? This guide provides a step-by-step plan for creating a budget that makes every dollar count.
List(s) this item appears in: Focus on finance
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Holdings
Item type Current library Home library Collection Call number Copy number Status Date due Barcode Item holds
Standard Loan Hayden Library Adult Nonfiction Hayden Library Book 332.024/STOUFFE (Browse shelf(Opens below)) 1 Available 50610019190748
Standard Loan Rathdrum Library Adult Nonfiction Rathdrum Library Book 332.024/STOUFFE (Browse shelf(Opens below)) 1 Checked out 06/08/2024 50610019190383
Standard Loan Spirit Lake Library Adult Nonfiction Spirit Lake Library Book 332.024/STOUFFE (Browse shelf(Opens below)) 1 Available 50610019190326
Total holds: 0

Enhanced descriptions from Syndetics:

A step-by-step plan for creating a budget that makes every dollar count! Are you looking for practical ways to stretch your pay cheque? Between working and maintaining a home, saving money can be difficult, but with 'The Everything Budgeting Book, 3rd Edition', you'll learn to use your money wisely today and prepare for tomorrow. This step-by-step guide shows you how to: *Improve spending patterns. *Save on everyday expenses. *Keep finances in order. *Prepare for unexpected events. *Plan for the future. Whether you're saving for a house, a child's education, or a new car, 'The Everything Budgeting Book, 3rd Edition' will help you meet your financial goals. With this essential guide, you can stop living pay cheque to pay cheque and start enjoying the wealth you didn't even know you had. AUTHOR: Tere Stouffer is the author of The 'The Everything Budgeting Book, 3rd Edition', and is an award-winning author of more than a dozen books. Her budgeting and personal finance skills have been featured on the BBC, in More magazine, and in many newspapers and websites.

"Includes 70 worksheets to help take control of your finances!" - cover

Includes bibliographical references and index.

Top 10 reasons to budget in today's economy -- Introduction -- What is budgeting, and why do you need to do it? -- Prioritize your spending -- Assess your current financial situation -- Create a livable budget -- Freeze your spending for the short term -- Save money on food -- Cut your expenses at home -- Reduce your biggest expenses -- Restructure a heavy debt burden -- Refinance your home and tap your equity -- Add income -- Survive unemployment -- Stick to your budget in an emergency -- Bounce back: recover from financial disaster -- Get government help: there actually is a free lunch! -- Marriage or moving in: budget for two -- Change your budget for a new baby -- Change your budget to include a new house -- Save money for college -- Budget through a separation or divorce -- Change your budget after age fifty -- Save for retirement -- Stay motivated.

Looking for ways to stretch your paycheck? This guide provides a step-by-step plan for creating a budget that makes every dollar count.

Table of contents provided by Syndetics

  • Top 10 Reasons to Budget in Today's Economy (p. 12)
  • Introduction (p. 13)
  • 01 What Is Budgeting-and Why Do You Need to Do It? (p. 15)
  • Realize What a Budget Is (p. 16)
  • Recognize What a Budget Isn't (p. 16)
  • Understand Financial Goals (p. 17)
  • Look at a Sample Budget (p. 18)
  • Think about Your Long-Term Financial Goals (p. 22)
  • 02 Prioritize Your Spending (p. 27)
  • Why Not Spending Is the Key to Budgeting (p. 28)
  • Total Your Daily Expenses (p. 28)
  • Categorize and Prioritize Your Daily Expenses (p. 29)
  • Assess Your Monthly Expenses (p. 30)
  • Categorize and Prioritize Your Monthly Expenses (p. 32)
  • Prioritize What You Spend Money On (p. 33)
  • 03 Assess Your Current Financial Situation (p. 35)
  • Your Financial Situation Is Important (p. 36)
  • Determine Your Income and Other Assets (p. 36)
  • Calculate Your Financial Obligations (p. 38)
  • Put Your Income and Financial Obligations Together (p. 42)
  • Identify Potential Cash-Flow Problems (p. 44)
  • Take a Break if You Need It (p. 45)
  • 04 Create a Livable Budget (p. 47)
  • Make Your Financial Goals a Reality (p. 48)
  • Spend less Than You Make (p. 49)
  • Spend Money Only on Budgeted Items (p. 50)
  • Save for Unexpected Expenses (p. 51)
  • Revisit Your Goals and Priorities (p. 52)
  • Generate a Budget You Can Stick To (p. 53)
  • 05 Freeze Your Spending for the Short Term (p. 59)
  • What Freezing Really Means (p. 60)
  • Reduce Temptation During a Freeze (p. 60)
  • Establish What's Really a Need (p. 61)
  • Put Away Your Credit Cards (p. 64)
  • Tuck Away Your Debit Card (p. 65)
  • Create a Wish List (p. 65)
  • 06 Save Money on Food (p. 67)
  • Prepare Your Own Meals (p. 68)
  • Don't Let Perishables Go Bad (p. 69)
  • Brown-Bag It (p. 70)
  • Save at Coffee Shops (p. 70)
  • Use Coupons and Get Discounts (p. 71)
  • Get the Lowest Grocery Prices (p. 72)
  • Grow a Garden, Even a Small One (p. 74)
  • Throw a Budget-Friendly Party (p. 76)
  • 07 Cut Your Expenses at Home (p. 79)
  • Turn the thermostat Down (or Up) (p. 80)
  • Get Your Books and Movies from the Library (p. 80)
  • Cut Cable and Phone Cords (p. 81)
  • Shop Around for Car Insurance (p. 82)
  • Avoid Extended Warranties (p. 83)
  • Buy Reliable, High-Quality Products (p. 84)
  • Shop Online Auctions, Tag Sales, and Resale Shops (p. 86)
  • Reduce Gift Expenditures (p. 88)
  • Avoid Dry-Cleaning (p. 88)
  • Take Cheaper Vacations (p. 89)
  • 08 Reduce Your Biggest Expenses (p. 91)
  • Move to a Smaller House or Apartment (p. 92)
  • Buy a House Instead of Renting (p. 94)
  • Renting Instead of Buying (p. 95)
  • Rethink Your Ideas about Transportation (p. 96)
  • Change Jobs (p. 100)
  • 09 Restructure a Heavy Debt Burden (p. 105)
  • How Debt Is Restructured (p. 106)
  • Get Credit Counseling (p. 106)
  • Consolidate Your Debt (p. 108)
  • Sell Some Assets (p. 110)
  • Declare Bankruptcy (p. 113)
  • 10 Refinance Your Home and Tap Your Equity (p. 115)
  • Understand Equity (p. 116)
  • Refinance Your Home to Lower Your Payments (p. 116)
  • Refinance Your Home and Take Out Equity (p. 118)
  • Qualify for Refinancing (p. 120)
  • Avoid Escrow (p. 122)
  • Understand Home Equity Lines of Credit (p. 122)
  • 11 Add Income (p. 127)
  • Recognize What Additional Work Can Mean for You (p. 128)
  • Change Jobs (p. 132)
  • Get a Second Job (p. 133)
  • Work Overtime (p. 134)
  • Freelance for Your Own Company (p. 134)
  • Start a Small Business (p. 135)
  • 12 Survive Unemployment (p. 141)
  • Sort Out Severance Packages and Unemployment Insurance (p. 142)
  • Lock in Your COBRA-Defined Coverage (p. 143)
  • See to Your Other Insurance Needs (p. 144)
  • Pare Your Expenses Down to the Bone (p. 146)
  • Look for a Job as Soon as Possible (p. 148)
  • Start a Consulting Firm or Small Business (p. 149)
  • Hold Down a Couple of Part-Time Jobs (p. 150)
  • Consider Another Geographic Location (p. 151)
  • 13 Stick to Your Budget in an Emergency (p. 153)
  • If Your Car Breaks Down (p. 154)
  • If You Incur Extensive Household Expenses (p. 156)
  • If Family Medical Bills Overwhelm You (p. 159)
  • If You Become Sick or Disabled-Even Temporarily (p. 160)
  • If You Lose Your Job (p. 161)
  • If a Friend or Family Member Needs Assistance (p. 161)
  • If a Natural Disaster Strikes (p. 161)
  • 14 Bounce Back: Recover from Financial Disaster (p. 165)
  • You've Lost Your Home (p. 166)
  • All Your Possessions Were Destroyed (p. 167)
  • Your Line of Work No Longer Exists (p. 169)
  • You've Lost or Spent Your Child's College Fund (p. 170)
  • You've Lost or Spent Your Retirement Portfolio (p. 170)
  • 15 Get Government Help-There Actually Is a Free Lunch! (p. 173)
  • Use Government Food Programs (p. 174)
  • Locate Housing Opportunities (p. 176)
  • Apply for Insurance (p. 177)
  • Get on TANF (Temporary Assistance for Needy Families) (p. 179)
  • Apply for Government Loans and Grants (p. 180)
  • Request Bankruptcy Protection (p. 180)
  • 16 Marriage or Moving In: Budget for Two (p. 185)
  • Don't Let Love Overshadow Finances (p. 186)
  • Before You Move In: Discuss Finances (p. 186)
  • Decide Where to Live (p. 188)
  • Choose Between Single and Joint Accounts (p. 188)
  • Find Compromise in Different Approaches to Finances (p. 189)
  • Create a Two-Person Budget (p. 190)
  • 17 Change Your Budget for a New Baby (p. 193)
  • Make Time to Think about Your Future (p. 194)
  • Estimate Expenses for Your New Baby (p. 194)
  • Create a Nine-Month Savings Budget (p. 199)
  • Choose a Daytime Care Provider (p. 201)
  • Live on One Income (p. 204)
  • Create a Budget for Your New Family (p. 204)
  • 18 Change Your Budget to Include a New House (p. 207)
  • Figure Out the Financing Details (p. 208)
  • Calculate Your Costs (p. 208)
  • Choose Your Mortgage Length (p. 211)
  • Review Your Interest-Rate Options (p. 213)
  • Shop for Your New Home (p. 214)
  • Sell Your Existing Home (p. 216)
  • Plan for Unexpected Household Expenses (p. 218)
  • Create a Budget That Includes Your New Home (p. 219)
  • 19 Save Money for College (p. 223)
  • Understand College Costs (p. 224)
  • Determine How Much You Can (or Want to) Help Out (p. 226)
  • See How Much You Can Save (p. 226)
  • Take Advantage of Government-Sponsored Savings Plans (p. 227)
  • Find Other Ways to Pay for College (p. 230)
  • Create a Budget That Includes College Expenses (p. 233)
  • 20 Budget Through a Separation or Divorce / (p. 237)
  • Keep a Level Head During a Difficult Time (p. 238)
  • Split One Household Into Two (p. 238)
  • Keep Expenses Under Control During the First Year (p. 241)
  • Hire (and Budget for) Legal Counsel (p. 242)
  • Understand Alimony and Child Support (p. 244)
  • Take Time Before Committing to Another Relationship (p. 244)
  • Create a Single-Again Budget (p. 245)
  • 21 Change Your Budget After Age Fifty (p. 249)
  • Manage Care of Your Aging Parents (p. 250)
  • Determine How Much You Want to Assist Your Grown Children (p. 251)
  • Decide Whether to Help Your Grandchildren Financially (p. 255)
  • Do More for Yourself (p. 256)
  • Assess Your Retirement Income and Expenses (p. 257)
  • Create a Fifty-Plus Budget (p. 258)
  • 22 Save for Retirement (p. 261)
  • Figure Out How Much You'll Need (p. 262)
  • Find Ways to Set Money Aside Now (p. 264)
  • Look at Tax-Deferred Ways to Save (p. 265)
  • Let Your Employer Help You (p. 269)
  • Invest on Your Own (p. 271)
  • Start Young (p. 271)
  • Make Up for Lost Time (p. 272)
  • 23 Stay Motivated (p. 275)
  • Stick with Your Budget Through Thick and Thin (p. 276)
  • Make Motivational Signs (p. 276)
  • If You Blow Your Budget-Get Back on Track (p. 277)
  • Find Sneaky Ways to Spend Money (p. 278)
  • Build a Support Network (p. 280)
  • Review Your Budget Periodically (p. 281)
  • Appendix A Debt-Restructuring Resources (p. 285)
  • Appendix B Online Budgeting Tools (p. 289)
  • Index (p. 293)

Author notes provided by Syndetics

Tere Stouffer is the author of The Everything Budgeting Book, 2nd Edition, and an award-winning author of more than a dozen books. Her budgeting and personal finance skills have been featured on the BBC, in More magazine, and in many newspapers and websites. She lives in Knoxville, Tennessee.

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