Cover image for The unofficial guide to minding your money
Title:
The unofficial guide to minding your money
Author:
Iannucci, Lisa.
Personal Author:
Publication Information:
Foster City, Calif. : IDG Books Worldwide, [2000]

©2000
Physical Description:
xxx, 382 pages ; 21 cm.
Language:
English
ISBN:
9780028637501
Format :
Book

Available:*

Library
Call Number
Material Type
Home Location
Status
Central Library HG179 .I24 2000 Adult Non-Fiction Central Closed Stacks
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Summary

Summary

Financial freedom means more than the ability to juggle a paycheck, pick a few good investments, retire at 65, and keep debt levels manageable. True financial freedom involves understanding the psychological, emotional, and intellectual implications of mondy and wealth, and how to be the master of money, rather than its servant. This book offers: A clear assessment of your individual mondy personality and what to do if it differs from your partner's Concise explanations of where personal money attitudes originate Advice on how to teach children a constructive attitude toward money Effective means for setting realistic goals, and tips on how to save and spend money wisely Creative ways to set and stay within a budget Proven methods for staying free and dealing with setbacks along the road to true financial freedom


Author Notes

About the Author Lisa Iannucci is a freelance writer who lives in upstate New York with her three children. Lisa has written hundreds of articles in the field of business, health, and real estate for many publications. This is her second Unofficial Guide; she is the author of The Unofficial Guide to Arthritis, (Macmillan Publishing, 1999). She is also the author of an elementary school textbook on birth defects (Enslow Publishers, 2000). Lisa is a member of the American Society of Journalists and Authors.


Table of Contents

The Unofficial Guide Reader's Bill of Rightsp. xv
About the Authorp. xix
The Unofficial Guide Panel of Expertsp. xxi
Introductionp. xxv
I Dollars and Sensep. 1
1 Financial Freedom Definedp. 3
Living the American Dreamp. 4
What Makes You Happy?p. 5
A Sample of Definitionsp. 6
Financial Freedom and Workp. 7
Financial Freedom and Choicep. 8
Financial Freedom and RandRp. 9
Financial Freedom and Survivalp. 9
Write It Downp. 10
Why Haven't You Achieved Financial Freedom?p. 11
Living Beyond Your Meansp. 12
Dealing with the Must-Havesp. 12
The Principles of Achieving Financial Freedomp. 13
Just the Factsp. 19
2 Emotional Connections to Moneyp. 21
Can Money Buy Happiness?p. 23
Money and Your Healthp. 25
Self-Esteem and the Greenp. 27
Improving Your Self-Esteemp. 29
Money and Your Jobp. 30
Money and Relationshipsp. 31
Poor Money Attitudesp. 33
Parental Attitudesp. 33
Life Experiencesp. 34
Generational Attitudesp. 35
Gender Rolesp. 35
Just the Factsp. 37
3 When Money Is a Problemp. 39
What Is Your Money Personality?p. 40
Where Do You Go from Here?p. 43
Take Care of Youp. 44
Compulsive Shoppersp. 45
Brain Connectionp. 48
Treatmentp. 48
Gamblingp. 49
Treatmentp. 50
Worrywartp. 51
Closet Tightwadp. 53
Breaking Bad Habitsp. 53
Positive Attitudesp. 56
Motivationp. 56
Professional Helpp. 57
Psychologists and Psychotherapyp. 58
How to Find a Psychologistp. 58
Questions to Askp. 59
Ways to Pay for Itp. 60
How will I Know if the Therapy is Working?p. 61
Resourcesp. 62
Just the Factsp. 62
4 Credit Cards and Other Debtsp. 63
Credit Cardsp. 64
How to Choose a Credit Cardp. 65
Annual Percentage Rate (APR)p. 65
Annual Feesp. 66
Grace Periods and Other Chargesp. 66
Credit Card Know-Howp. 67
Credit Card Misusep. 68
Credit Bureausp. 70
Credit Reportsp. 70
Dealing With Bad Creditp. 72
Credit Deniedp. 75
Pay It Off!p. 75
Adding More Debtp. 76
Debt Consolidationp. 77
Home Equity Loans and Second Mortgagesp. 79
Credit Card Thievesp. 80
Just the Factsp. 81
5 Financial Independence Dayp. 83
Taking Inventoryp. 85
Setting Goalsp. 85
Goal Componentsp. 88
Keeping a Financial Journalp. 89
E for Effortp. 90
Book or Byte?p. 90
Setting Goals Worksheetp. 91
Goal Milestones and Setbacksp. 92
Financial Success Storyp. 93
Just the Factsp. 94
6 Profiles of Excellencep. 95
At the Top of the Heapp. 96
William H. Gatesp. 96
Ted Turnerp. 98
Donald Trumpp. 99
Tiger Woodsp. 100
Remembering Your Spiritp. 101
Anthony Robbinsp. 101
Ordinary People, Ordinary Livesp. 102
Carolp. 103
Bobp. 103
The Frugal Zealotp. 104
Deborah Taylor-Houghp. 106
Candleworksp. 108
What is Happiness?p. 111
Learning from Success Modelsp. 113
Just the Factsp. 116
II Ages and Stagesp. 117
7 Generation Xp. 119
Meet Generation Xp. 121
Poor Attitudes about Moneyp. 122
Advertisements and Generation Xp. 122
Buying Powerp. 123
Controlling the Urgep. 123
Budgetingp. 124
Goalsp. 125
Setting Your Goalsp. 126
Dealing with Milestones and Setbacksp. 127
The Job Worldp. 128
Retirement Planningp. 128
Emergency Savingsp. 129
Paying For Collegep. 129
Person-to-Person Savings Tipsp. 130
When It Rains, It Poursp. 130
Just the Factsp. 132
8 Baby Boomersp. 133
Who Are You?p. 134
The Road to Retirementp. 136
Women's Worriesp. 140
Parenting a Parentp. 141
College Cashp. 143
Downsizing Danger?p. 145
Person to Personp. 149
Forget Sex--Age Sellsp. 150
Just the Factsp. 151
9 Love, Marriage, and Moneyp. 153
Recognize the Problem(s)p. 155
Communicating Problemsp. 156
Different Financial Goalsp. 157
Who Makes More Money?p. 157
Who Makes the Financial Decisions?p. 157
Combining Two Money Personalitiesp. 158
Solutionsp. 159
Talking It Outp. 160
Tying the Knotp. 163
Money and Marriagep. 163
Yours, Mine, and Oursp. 164
Credit Cardsp. 165
Checking Accountsp. 166
Protect Your Moneyp. 169
Important Paperworkp. 170
The Cost of a Dual-Income Marriagep. 171
Living Togetherp. 172
Dual-Career Couplesp. 173
Is Money Ruining Your Marriage?p. 175
Happily Ever Afterp. 177
Just the Factsp. 177
10 Kids and Moneyp. 179
Financial Illiteracyp. 180
Teaching Dollars and Sensep. 183
ABCs and $$$p. 184
Teaching Grade-Schoolersp. 185
Children and Investingp. 189
Teaching Preteensp. 190
Teaching Teenagersp. 191
Teens and Workingp. 191
Teens and Credit Cardsp. 192
College-Bound Childrenp. 194
Crazy Crazesp. 196
Just the factsp. 200
11 Flying Solop. 201
Mind Over Matterp. 203
Setting Goalsp. 203
Clean the Slatep. 204
Do Some Soul-Searchingp. 205
Do Not Be Left in the Darkp. 205
Clean Your Creditp. 207
Learn from Your Pastp. 208
Consult with an Attorney and Accountantp. 208
Have Your Paperwork in Orderp. 209
Change the Namesp. 211
Check Your Insurancep. 211
Single Parentingp. 211
Assessing Your Situationp. 212
List Your Assetsp. 212
Calculate Your Liabilitiesp. 213
Total It Upp. 213
Financial Issues in Divorcep. 214
Spousal Supportp. 214
Child Supportp. 215
Insurancep. 215
Marital Propertyp. 216
Attorney Feesp. 216
Estate Plansp. 216
Do-It-Yourself Divorce Kitsp. 217
Kids, Money, and Divorcep. 218
Tips on Divorcep. 218
Starting Overp. 220
Prenuptial Agreementsp. 220
Person-to-Person Storiesp. 220
Advice for Womenp. 222
Just the Factsp. 223
12 Planning for Retirementp. 225
Planning for Retirementp. 227
Women and Retirementp. 229
What Lifestyle Do You Want?p. 230
Financial Planningp. 233
Money Coming Inp. 233
Money Going Outp. 234
What if It Doesn't Balance?p. 234
Faux Retirementp. 235
When Facing Retirementp. 237
Social Securityp. 237
Housingp. 237
Reverse Mortgagesp. 239
Downsizingp. 240
Living with Your Kidsp. 241
Raising Grandchildrenp. 242
Senior Discountsp. 243
The Last Wordp. 244
Planning for the Endp. 245
Estate Planningp. 245
Willsp. 245
Take Care of You Nowp. 245
Don't Worry, Be Happyp. 246
Just the Factsp. 248
III Money-Smart Skillsp. 249
13 Budgeting Basicsp. 251
Budgets and Personalityp. 253
Goalsp. 255
Paperworkp. 256
What to Keep and What to Tossp. 257
Calculating Your Net Worthp. 258
Identifying Incomep. 259
Identifying Expensesp. 259
Plan for the Unexpectedp. 261
Keep a Financial Journalp. 262
Troubleshootingp. 263
Improve Your Money Management Skillsp. 266
Build Self-Confidencep. 267
Warning Signs: Seek Help!p. 268
Choosing a Financial Plannerp. 269
Just the Factsp. 271
14 Spending Wiselyp. 273
Building Confidence Brick by Brickp. 275
The Power of Advertisingp. 276
Achieving the American Dreamp. 278
Gift Giving: A Woman Thing?p. 279
No Place Like (Your Own) Homep. 280
Voluntary Simplicityp. 283
Saving Through Better Spendingp. 284
Protecting Yourself from Fraudp. 284
Just the Factsp. 286
15 Save Smartlyp. 287
Personality and Savingp. 289
Ethnicity and Savingp. 290
Women and Savingp. 291
The Value of Saving Moneyp. 293
Starting an Emergency Fundp. 295
Start Nowp. 296
Automatic Deductionsp. 296
Financial Goalsp. 297
Person-to-Person Tipsp. 297
Investing 101p. 300
Choosing an Investment Professionalp. 301
Protect Your Moneyp. 302
Governmental Protectionp. 306
Annuitiesp. 307
Mutual Fundsp. 307
Certificates of Depositp. 308
401(k)p. 309
IRAsp. 309
Making a Decisionp. 310
Costsp. 312
Just the Factsp. 313
IV Focused and Freep. 315
16 Surviving Serious Setbacksp. 317
Keep Your Coolp. 318
Assess the Situationp. 322
Take Stockp. 323
Assess Your Assetsp. 324
Calculate Your Liabilitiesp. 324
Total It Upp. 325
Set Prioritiesp. 325
Write It Downp. 327
Protecting Your Homep. 328
Cashing in on Your Homep. 329
Bankruptcyp. 331
Medical Insurancep. 333
Medical Savings Accountsp. 334
Resources to the Rescuep. 334
Temporary Assistance for Needy Families (TANF)p. 335
Social Security Disability Insurance (SSDI)p. 335
Home Energy Assistance Program (HEAP)p. 336
Supplementary Security Income (SSI)p. 337
Women, Infants, Children (WIC)p. 337
Food Stampsp. 338
Community Cooperative Extension Servicesp. 338
Financial Counseling Servicesp. 338
Getting Back on the Roadp. 339
Person-to-Person Tipsp. 340
Learning from the Pastp. 342
Just the Factsp. 343
17 Financially Free at Last!p. 345
What is Change?p. 347
Believe in Yourselfp. 349
Self-Esteemp. 350
Self-Confidencep. 351
Three Points of Successp. 354
Positive Attitudep. 354
Supportp. 356
Motivationp. 357
Sports-Minded Successp. 359
Happinessp. 360
Inspirational and Motivational Readingp. 360
Just the Factsp. 361
A Resource Guidep. 363
B Recommended Reading Listp. 373
Indexp. 377

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