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Managing Money : Skills & Strategies
Managing money effectively is a fundamental life skill. Managing Money: Skills & Strategies is designed to help high school students, undergraduates, and public library patrons learn about the fundamentals of personal finance, and how to put those skills into practice themselves.
Articles begin with a brief introduction, followed by full discussion of the topic, and all articles end with a list of reference sources for readers to explore further. Individual articles cover such topics as:
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• Budgeting and Spending Creating a budget Tracking expenses Needs vs. wants Setting financial goals • Saving Money Building an emergency fund Saving for short-term goals Saving for long-term goals • Banking Basics Checking accounts Savings accounts Online & Mobile banking Bank fees
• Credit and Borrowing Understanding credit scores Building credit responsibly Credit reports Credit cards Personal loans Student loans Responsible borrowing |
• Debt Management Paying off debt Debt repayment strategies Debt consolidation Late payments Loan refinancing Becoming debt-free
• Investing Why invest? Compound growth Types of Investments Diversification Risk and return Long-term investing • Retirement Planning Retirement accounts Employer matching contributions Retirement income planning Social Security & Medicare Estimating retirement needs |
• Taxes Understanding income taxes Tax withholding Filing a tax return Tax refunds Keeping financial records
• Consumer Finance Comparison shopping Avoiding scams Identity theft protection Online shopping safety Smart purchasing decisions • Financial Planning Insurance basics Estate planning basics Creating a financial plan Financial goal setting Working with a financial professional Lifelong financial literacy |
Managing Money: Skills & Strategies begins with a comprehensive introduction to help readers understand the importance of money management. This is followed by over 150 entries written with the layperson in mind, to help users get a handle on what they need to know about their finances, how to make a budget, save money, create an emergency fund, use credit responsibly, save for short- and long-term goals, and set themselves up for a lifetime of good financial decision-making.
This work also contains helpful appendices, including: Charts and graphs from federal and other sources; Glossary; Timeline; Websites an Organizations; Bibliography; and Subject Index.
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