Money Management & Financial Budgeting: 2 Books in 1

A Beginners Guide on Managing Bad Credit, Debt, Savings and Personal Finance

De: Robert Anderson

Narrado por: Sam Slydell

Money Management: Turn Bad Credit into Good Credit:

It seems that everywhere you turn, someone wants to know your credit score. It doesn’t matter if this is you or someone from your bank. Many landlords will even run a potential renter’s credit as this will usually give them insight as to whether the person will pay their rent. The landlords will also have guidelines to use in order to tell you if you are approved or not approved based on your credit score. While some may allow you to have a cosigner if you are not approved, they will also want to run your co-signer’s credit report.

This is often frustrating to many people, especially when you are trying to repair your credit. It can make you feel that you are never given a break or that your identity is now your bad credit.

It doesn’t have to be this way. In fact, the more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom.

Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life.

The problems you have with your credit score can be very dramatic, and you might not be fully aware of what affects your credit score or how valuable it is to you.

Those people who pay off their debts and lines of credit with on-time payments will be more likely to have better credit ratings. There are many things relating to your credit score that should be explored that go well beyond just your payment history.

Financial Budgeting:

Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money.

Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next year's principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.

Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment.

Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that’s how we often find ourselves overspending.

To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10 percent of your income. A safety net is essential for your peace of mind.

Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don’t view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.

©2019 Robert Anderson (P)2019 Robert Anderson

MOTIVATING

I actually encountered a lot of problems with money. With the help of this book, I realized that it is so important to manage my money not just for good but also to have promising future plans. The book was totally superb and very straightforward. This is what I need.

helpful

I have got this book as a good companion because I spent so much money before, like an extra expense but after grabbing this book my bad habit has almost changed. This book contains the concepts of how to save money. This concept is really effective and helpful for a person.

Straightforward information

This book is so beneficial! I am trained in finance and have learned several tips and techniques that are helpful to me. I would suggest this book to anyone, especially those who have no clue how to build a healthy financial house. Must buy!!!

Packed with knowledge and ideas

Everything is very clear and easy to understand. I like the way it is being narrated and the ideas and concepts are explained perfectly. Worth-listening because all the strategies you need are in this book. Bravo.

Effectively written

The descriptions are effectively written and it's very easy to understand and the tips are easy to follow. I enjoyed listening to the chapters. I'm going to implement these in my own lifestyle.

truly a great book

The tips provided in the book will aid in money management and help the reader avoid some of the common pitfalls that can lead to financial stress.

SO GREAT!

Good book straight to the point and also it is easy to understand. Gave good pointers for the beginning of a budget plan

Valuable information for everyday life.

This book helped me to build upon previous knowledge that I had on personal finance. My first read was personal finance for dummies book which helped build a foundation. Robert does a wonderful job of presenting the information in an easy to listen way. I finished the book in about 5 days!

Money Management & Financial Budgeting

Most of these books illustrate a step by step process of how to undertake practical tasks but never help you understand the purpose of it. These books don’t enable you to have a deeper level of learning and understanding.

excellent!

An excellent book, very helpful and informative. To repair my credit on my own I found this to be straight forward and easy to understand. I love it so much!