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Money types
Personal finance in your 20s for dummies
by Eric Tyson.
Hoboken, NJ : Wiley Pub., c2011.
When it comes to protecting your financial future, starting sooner rather than later is the smartest thing you can do. This hands-on, friendly guide provides you with the targeted financial advice you need to establish firm financial footing in your 20s and to secure your finances for years to come.
     
How to legally settle your personal credit card debt for pennies on the dollar : without filing bankruptcy
by Martha Maeda.
Ocala, Fla. : Atlantic Pub. Group, c2011.
Do you struggle each month to make minimum credit card payments? Are you 30, 60, or even 90 days late on several accounts? If so, you aren't alone. According to a January 2010 report from the U.S. Federal Reserve, there are 609.8 million credit cards held by U.S. consumers, and the average credit card debt per household is $15,519. In the last 12 months, 15 percent of American adults, or nearly 34 million people, have been late making a credit card payment, and 8 percent (18 million people) have missed a payment entirely, according to the National Foundation for Credit Counseling. If these statistics hit home for you, don't turn to bankruptcy to solve your financial woes. This book will provide you with the tools to legally settle your credit card accounts - without ruining your financial situation for years to come. How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar is for everyone who is unable to pay mounting minimum payments on their credit cards. You will learn everything you need to know about the basics of credit card debt, including interest rates, finance charges, minimum payments, and late fees. Discover what actually happens to your credit when you are late making your payments or stop making payments altogether and how long it takes before your credit cards debt is sold to a collection agency. This book will provide tips and strategies for negotiating with your original creditor and collection agencies and sample settlement letters you can use when working with creditors. Equip yourself with proven strategies for legally challenging the validity of your credit card debt and information on how to determine whether your rights are being violated under the Fair Debt Collection Practices Act. You will find out the advantages of not filing bankruptcy and how to work with credit counselors and avoid debt-reduction scams. Once you have successfully settled your debt and avoided bankruptcy, you will learn how to avoid repeating these mistakes in the future by setting budgets, cutting costs, and lowering interest rates. Learn how the Credit Card Accountability, Responsibility, and Disclosure Act, which went into effect in February 2010, affects you as a consumer. While these new rules do not absolve consumers of their obligations, they do mean that credit card companies can no longer retroactively increase rates, charge misleading late fees, or use over-limit fee traps. We have spent hundreds of hours interviewing top financial experts, bill collectors, and individuals just like you who were able to legally settle their credit card debt without resorting to bankruptcy. If you are tired of dodging phone calls from collectors or worrying about how missed payments have ruined your credit score, get yourself back to a more stable financial situation - one where credit card debt is a thing of the past.
     
Right riches for you
by Gary M. Douglas & Dain C. Heer.
[S.l.] : LuLu, [2011?]
“Money is never the problem in our lives,” says Gary Douglas. “It's about what we're willing to receive. And what we're willing to receive is just a choice.”What if generating money and having money was fun and joyful? What if, in having fun and joy with money, you receive more of it? What would that be like? Money follows joy; joy does not follow money.
     
The frugalista files : how one woman got out of debt without giving up the fabulous life
Natalie P. McNeal.
Ontario, Canada ; New York : Harlequin Enterprises, c2011.
Natalie McNeal opened her bills in January 2008 to find that she was a staggering five figures-$20,000!-in debt. Young, hip and gainfully (if Dilbert-ly) employed, Natalie loved her lifestyle of regular mani/pedis, daily takeout and nights on the town, but clearly something had to give. And so The Frugalista Files was born. Through her blog, Natalie confessed her spending habits to the world-and it turns out she wasn't the only one having trouble balancing the budget! From the drastic "no-buy" month that kicked it all off to the career gamble that threatened to put her deeper in the hole, The Frugalista Files shares Natalie's personal and professional transformation from cubicle rat to take-charge career girl. It is possible to get ahead without giving up on the fabulous life. This is personal finance in peep-toe pumps-the empowering true story of one woman's personal and professional transformation and your ultimate guide to living the Frugalista lifestyle, too.
     

Your money type is the set of attitudes you have towards money. Which of the following traits best descibe you? Are you...

Don't let money habits wreak havoc on your marriage.

Find out what type of money personality you and your spouse have, and how you can better understand each other.

Love & Money

  • Purchasing items to show how well off you are? Are you living above your means, which leads to debt? Use your strong will of achievement and give up some of your wants for your future needs.
  • Confused about investing? Do you hope that all your financial needs will take care of themselves? Give thought to the future. Set a budget and know how much you owe and spend.
  • Heavily in debt? Do you take out new debts to pay off old ones? Work out a payment plan with creditors. But remember your basic needs (food and shelter) come first.
  • Attracted to risks and willing to bet everything to make things happen? Dont bet it all on one investment. Put a little aside to have something to fall back on.
  • Financially stable and secure? Will you be able to afford the lifestyle that you want when you retire? Be more active and look for ways of improving your investments.
  • Saving for a rainy day? Consider investing to be way too risky? Try low-risk investments that can give you higher returns than most savings accounts.

By knowing your money type, you can learn to defend against your weaknesses and take advantage of your strengths.

Article by: St. Louis Public Library staff