Being good with money is about getting into good habits and understanding the choices you make. Fully updated to cover the latest financial trends and developments, this book gives you the confidence to plot where your money goes, to know your limits, and to choose the right financial products for a wealthier future. It will help you learn how to analyse your financial situation, isolate problem areas, properly structure your debt, investments and retirement plans, and adopt good money habits whatever your age or financial situation. Once you’ve sorted out your finances you’ll get much more pleasure from the money you spend and the money you save. Discover how to: Make your salary go further Set financial goals and reach them Get out of debt Start an investment portfolio Prepare for the unexpected
Introduction. Part I: Organising Your Finances. Chapter 1: Exploring the Basics. Chapter 2: Taking Stock of Your Financial Goals and Seeking Advice. Chapter 3: Choosing the Best Current Account for You. Chapter 4: Guarding Against the Unknown: Insurance. Part II: Dealing with Debt. Chapter 5: Seeing Red: Tackling Your Overdraft. Chapter 6: Flexing the Plastic: Choosing a Credit Card. Chapter 7: Navigating Personal Loans. Chapter 8: Avoiding Credit Nasties and Getting Out of Debt. Part III: Building Up Savings and Investments. Chapter 9: Saving for a Rainy Day. Chapter 10: Making the Most of Tax-Free Savings and Investments. Chapter 11: Building Up an Investment Portfolio. Chapter 12: Finding Safety in Numbers with Collective Funds. Chapter 13: DIY Investing: Opting for Shares. Chapter 14: Safe as Houses: Choosing a Mortgage. Part IV: Taking Care of the Future. Chapter 15: Planning for Retirement and Beyond. Chapter 16: Getting to Grips with Company Pensions. Chapter 17: Examining Personal Pensions and Stakeholder Schemes. Chapter 18: Coping in Retirement. Part V: The Part of Tens. Chapter 19: Ten Tips to Get Out of Debt and Save Cash. Chapter 20: Coping with Ten Events Life May Throw at You. Chapter 21: Ten Golden Rules for Sorting Out Your Finances. Appendix: Resources. Index.
Melanie Bien is a Director at Savills Private Finance and is the former personal finance editor for the Independent on Sunday. She has been writing about property and personal finance for a variety of national newspapers, magazines and websites for over a decade.
Managing your money can be a big headache, but when you have the confidence to assess your financial situation and tackle your money issues head-on, it doesn’t have to be. From organising where your money goes, to dealing with debt and choosing the right investment products for a wealthier future, this book helps you to adopt good money habits – whatever your age or financial situation.