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DEDICATION
ACKNOWLEDGEMENT
FORWARD
PREFACE
LEGAL NOTICE
INTRODUCTION
CHAPTER 1: CREATE A BUDGET
HOW MUCH DO I MAKE?
WHAT ARE MY FIXED EXPENSES?
WHAT ARE MY VARIABLE EXPENSES?
WHAT ARE NON-ESSENTIAL EXPENSES?
WHAT ARE MY TOTAL EXPENSES?
EARN MORE THAN YOU SPEND
CHAPTER 2: MAINTAIN & MODIFY YOUR BUDGET
THE ENVELOPE METHOD
TIPS TO REDUCE YOUR EXPENSES
ENERGY SAVINGS
FOOD SAVINGS
CHAPTER 3: WAYS TO SAVE
PREFERRED CUSTOMER PROGRAMS
BUYING USED
ONLINE SHOPPING
RATION PURCHASES OVER TIME
CHAPTER 4: DEVELOP A HABIT OF SAVING
HOW TO SAVE
CHAPTER 5: SHORT TERM GOALS
CHAPTER 6: LONG TERM GOALS
THE POWER OF COMPOUND INTEREST
SAVING FOR COLLEGE
STUDENT LOANS AND GOVERNMENT AID
SCHOLARSHIPS
SAVING FOR RETIREMENT
IRA’S
TRADITIONAL
ROTH IRA’S
401(K)
TAX FREE SAVINGS ACCOUNT IN CANADA
INDIVIDUAL SAVINGS ACCOUNT IN THE UNITED KINGDOM
CHAPTER 7: CREDIT CARDS
SIMPLE CREDIT CARD MANAGEMENT TIPS
CHAPTER 8: GETTING OUT OF DEBT
IRS
STUDENT LOANS
CAR LOANS AND OTHER SHORT TERM BANK LOANS
MORTGAGE LOANS
CHAPTER 9: MAKE EXTRA CASH
BOOSTING YOUR INCOME
USING THE INTERNET TO YOUR ADVANTAGE
CHAPTER 10: REFINANCE YOUR MORTGAGE – YES OR NO?
WHAT IS REFINANCING?
WHAT DOES EQUITY MEAN TO YOU?
CASHING OUT YOUR EQUITY
HOW TO GET STARTED
MODIFYING YOUR CURRENT MORTGAGE LOAN
CHAPTER 11: CREDIT REPORT
WHAT’S IN YOUR CREDIT REPORT?
HOW DO YOU GET YOUR CREDIT SCORE?
WHAT IF THERE ARE ERRORS IN YOUR CREDIT REPORT?
CHAPTER 12: IMPORTANCE OF A CREDIT SCORE
MORTGAGE
LOANS
CREDIT CARDS
JOBS
CELL PHONES
CHAPTER 13: MAINTAIN YOUR CREDIT SCORE
ACTIONS THAT RAISE YOUR CREDIT SCORE
CHAPTER 14: INTERNATIONAL CREDIT SYSTEMS
CANADA
UNITED KINGDOM
AUSTRALIA
INDIA
CHAPTER 15: IDENTITY THEFT: HOW TO PROTECT YOURSELF
KEEPING YOUR IDENTITY SECURE
CHAPTER 16: SUMMARY
BUDGETING
SAVING MONEY
THE POWER OF CHANGE
TIME IS ON YOUR SIDE
SEPARATION CAN RELIEVE ANXIETY
THE SCORE DOES MATTER
DEBT MANAGEMENT
MAKING EXTRA MONEY
BOOSTING YOUR CREDIT
AVOID YOUR OWN IDENTITY CRISIS
SMALL TRANSACTIONS ADD UP
WHAT YOU ‘NEED’ IS OFTEN JUST A ‘WANT’
IN CLOSING
USEFUL RESOURCES
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