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| your life your money worksheet: My Money My Way Kumiko Love, 2022-02-01 Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life. |
| your life your money worksheet: Your Money or Your Life Vicki Robin, Joe Dominguez, 2008-12-10 A fully revised edition of one of the most influential books ever written on personal finance with more than a million copies sold “The best book on money. Period.” –Grant Sabatier, founder of “Millennial Money,” on CNBC Make It This is a wonderful book. It can really change your life. -Oprah For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by the Frugal Guru (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money. Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to: • Get out of debt and develop savings • Save money through mindfulness and good habits, rather than strict budgeting • Declutter your life and live well for less • Invest your savings and begin creating wealth • Save the planet while saving money • …and so much more! The seminal guide to the new morality of personal money management. -Los Angeles Times |
| your life your money worksheet: Get a Financial Life Beth Kobliner, 2000 Provides financial advice that speaks the language and answers the questions of the generation just starting out on the road to financial responsibility. |
| your life your money worksheet: Your Money, Your Goals Consumer Financial Consumer Financial Protection Bureau, 2015-03-18 Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is financial empowerment and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals. |
| your life your money worksheet: Savings Fitness Barry Leonard, 2007-12 Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations. |
| your life your money worksheet: Broke Millennial Erin Lowry, 2017-05-02 WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly - How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT! |
| your life your money worksheet: Your Money Map Howard Dayton, 2015-09-29 The practical principles in Your Money Map are powerful and life-changing because are they based on the Bible. My only regret is that I did not read it twenty years ago. Don’t make the same mistake! —Joe Gibbs, former NFL head coach and founder of NASCAR’s Joe Gibbs Racing This book will transform your finances . . . and your life. When you learn what the God of the universe says about handling money—and apply it—everything changes. Your Money Map shows you how. This biblical and practical guide is for everyone—single or married, young or old, whether you earn a little or a lot. It helps you: Frame your finances within God’s big picture Determine and change the trajectory of your financial situation Establish and follow 7 steps for wise stewardship. Follow the principles in Your Money Map toward financial freedom and you will know a joy, peace, and confidence about your finances that few ever do. Includes discussion questions, tools, and resources to help you put the book into practice. |
| your life your money worksheet: Financially Fearless Alexa von Tobel, 2013-12-31 Finally, a financial plan that lets you be YOU, only richer. It’s time to throw away all your old notions of what financial advice should look like. Because if you’re looking for a book to put you on an austerity savings plan that has you giving up vacations and lattes, you’re out of luck. But if you’re looking to get your finances in rock-hard shape--in less time than it takes to finish a workout--then Alexa von Tobel, Founder and CEO of LearnVest, has your back. How? Through the LearnVest Program. First, you’ll take stock of where you stand today. Then, you’ll create your customized 50/20/30 plan. 50/20/30 simply refers to the percentage breakdown of how to spend your take-home pay each month. The 50 gets the essentials out of the way so you don't have to stress about them. The 20 sets your foundation for the future, then the 30 is left to spend on the things that bring happiness to your life. By the time you’re finished reading this book, you’ll walk away with a financial game plan tailored to your priorities, your hopes and dreams, and your lifestyle. And, because von Tobel and the team at LearnVest are experts at financial planning in the online era, you’ll also learn how to integrate your financial plan into your mobile, social, digital life. Like your own personal financial planner between two covers, this book will set you up for a secure, worry-free money future, without having to give up things you love. So toss those old-school financial guides out the window, and get ready to start living your richest life. |
| your life your money worksheet: Get Good with Money Tiffany the Budgetnista Aliche, 2021-03-30 NEW YORK TIMES, WALL STREET JOURNAL, AND USA TODAY BESTSELLER • A ten-step plan for finding peace, safety, and harmony with your money—no matter how big or small your goals and no matter how rocky the market might be—by the inspiring and savvy “Budgetnista.” “No matter where you stand in your money journey, Get Good with Money has a lesson or two for you!”—Erin Lowry, bestselling author of the Broke Millennial series Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness: a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: • A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. • An assessment tool that helps you understand whether you have a “don't make enough” problem or a “spend too much” issue—as well as ways to fix both. • Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future. • Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. • Ways to protect your beneficiaries' future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way. |
| your life your money worksheet: The 21-Day Financial Fast Michelle Singletary, 2014-01-07 Whether you're living paycheck to paycheck or just trying to make smarter financial choices, let award-winning writer and Washington Post columnist Michelle Singletary show you the practical steps you need to take for the financial peace you long for. In The 21-Day Financial Fast, Michelle proposes a field-tested financial challenge: for twenty-one days, put away your credit cards and buy only the barest essentials. What happens next will forever change the way you think about wealth. With Michelle's guidance, you'll discover how to: Break bad spending habits Plot a course to become debt-free with the Debt Dash Plan Avoid the temptation of overspending for college Learn how to prepare elderly relatives and yourself for future long-term care expenses Be prepared for any contingency with a Life Happens Fund Stop worrying about money and find the priceless power of financial peace Join the thousands of others who have already discovered practical ways to achieve financial freedom and experience what it truly means to live a life of financial peace and prosperity. |
| your life your money worksheet: The Total Money Makeover Workbook Dave Ramsey, 2004-01-19 A simple, straight-forward game plan for completely making over your money habits! Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can: Set up an emergency fund (believe me, you're going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy! With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life. |
| your life your money worksheet: Financial Freedom Grant Sabatier, 2020-04-07 The International Bestseller New York Public Library's Top 10 Think Thrifty Reads of 2023 This book blew my mind. More importantly, it made financial independence seem achievable. I read Financial Freedom three times, cover-to-cover. —Lifehacker Money is unlimited. Time is not. Become financially independent as fast as possible. In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him the Millennial Millionaire. By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it's obsolete. Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you've ever learned about money so that you can actually live the life you want. Sabatier offers surprising, counter-intuitive advice on topics such as how to: * Create profitable side hustles that you can turn into passive income streams or full-time businesses * Save money without giving up what makes you happy * Negotiate more out of your employer than you thought possible * Travel the world for less * Live for free--or better yet, make money on your living situation * Create a simple, money-making portfolio that only needs minor adjustments * Think creatively--there are so many ways to make money, but we don't see them. But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to retire at age 30 than you do at age 65. Financial Freedom is not merely a laundry list of advice to follow to get rich quick--it's a practical roadmap to living life on one's own terms, as soon as possible. |
| your life your money worksheet: Clever Girl Finance Bola Sokunbi, 2019-06-25 Take charge of your finances and achieve financial independence – the Clever Girl way Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side. Monitor your expenses, build a budget, and stick with it Make the most of a modest salary and still have money to spare Keep your credit in check and clean up credit card chaos Start and succeed at your side hustle Build a nest egg and invest in your future Transform your money mindset and be accountable for your financial well-being Feel the power of real-world stories from other “clever girls” Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance. |
| your life your money worksheet: MONEY Master the Game Anthony Robbins, Tony Robbins, 2016-03-29 Bibliography found online at tonyrobbins.com/masterthegame--Page [643]. |
| your life your money worksheet: The 30-Day Money Cleanse Ashley Feinstein Gerstley, 2019-01-01 Eliminate your money anxiety and create lasting happiness with your financial situation — not by creating a blistering budget but by living the life you love! Ashley Feinstein Gerstley was working in financial services when she came to the shocking realization that even she was stressed about her personal finances. Ashley quickly realized that her stress didn't only arise from a lack of knowledge but from the way that we as a society treat and talk (or rather don't talk) about money, so she created a system to turn the entire practice on its head! The 30-Day Money Cleanse, named an Amazon Best Book of 2019 So Far, is a groundbreaking money management book that will set you on the path to financial peace with interactive journaling prompts to hold you accountable and keep you on track. Through Ashley's system, in just 30 days you will create a healthier, happier relationship with your money by: Eliminating all money stressors Finally knowing where your money is going Breaking those panic-inducing bad money habits Learning the basics of how and where to invest Making a plan that you can not only live with but enjoy With its cheery and easy-to-follow guide, this is the perfect book on money management for young adults or those looking for an unintimidating guide to managing money. Readers who have tried the 30-Day Money Cleanse have, on average, saved over $950 through the course of the month! Are you ready for financial freedom? [An] easy-to-follow guide to creating a healthy personal relationship with money.—Publishers Weekly |
| your life your money worksheet: Broke Millennial Takes On Investing Erin Lowry, 2019-04-09 A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth. |
| your life your money worksheet: Work Your Money, Not Your Life Roger Ma, Jennifer Ma, 2020-03-31 Your all-in-one guide to getting your career and finances in order — for greater clarity, happiness, and peace of mind. Studies show that if you're like the majority of young professionals, you feel dissatisfied with your job, your finances, or your overall station in life. It can seem impossible to disentangle the work stuff, the money stuff, and the personal stuff, because they're all inextricably linked. But the good news is, you don't have to go at it alone: Work Your Money, Not Your Life is your all-in-one guide to achieving both your career and financial goals so that you can get where you want to be. In his debut book, Roger Ma, an award-winning financial planner and a publisher strategist at Google, offers secrets on how you can craft a meaningful career, gain financial comfort, and achieve a greater sense of purpose. And the premise behind it all is this: money affects every part of our lives. Simply by sorting out your personal finances (and it isn't as bad as it sounds!), you can build a foundation from which you'll be able to find the right career path, visualize your desired lifestyle, and turn your dreams into a reality. You'll learn how to: Relieve yourself of the work, money, and personal stressors that keep you up at night Dispel the job myths that are preventing you from a more rewarding career Apply the fundamentals of personal finance to your unique situation, without all the confusing jargon Prioritize and balance your career and money needs through exercises and easy-to-use templates, launching yourself on the path to the life satisfaction you desire When the life you're living and the life you want to live don't match up, everything feels off balance. Where do you begin trying to connect the dots? Start with this book. Through accessible, practical advice, you'll learn the career and financial strategies you need to live the life you deserve. |
| your life your money worksheet: Your Money or Your Life Alvin Hall, 2014-07-03 The most popular question Alvin Hall is asked is 'Where does my money go?'. In this updated edition of his bestselling financial guide, Alvin helps everyone get their finances in order. Helping you to understand your money psychology, Alvin beats a clear pathway through the financial maze of mortgages, insurance and pensions, provides a practical understanding of credit card debt and interest rates, and advises how to set up balance sheets for budgeting personal finances. Here is the easy-to-follow advice for a brighter, sounder financial future. |
| your life your money worksheet: The Total Money Makeover: Classic Edition Dave Ramsey, 2013-09-17 Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded Dave Rants that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality. |
| your life your money worksheet: Spend Well, Live Rich (previously published as 7 Money Mantras for a Richer Life) Michelle Singletary, 2004-12-28 The best financial planner Michelle Singletary ever knew was Big Mama, her grandmother. Big Mama raised Michelle and her four brothers and sisters on a salary that never reached more than $13,000 a year. Yet at her death, Big Mama owned her own home, had paid off a car loan, and had a beautiful collection of Sunday-go-to-meeting church hats and a savings account that supplemented her Social Security check and small pension. Most important, she had taught Michelle “7 Money Mantras for a Richer Life.” Those mantras serve as the inspiration for this straight-talking book of practical personal financial advice that really works. The 7 Money Mantras are: 1. If it’ s on your ass, it’s not an asset! 2. Is this a need or is it a want? 3. Sweat the small stuff. 4. Cash is better than credit. 5. Keep it simple. 6. Priorities lead to prosperity. 7. Enough is enough. Michelle Singletary is a syndicated columnist for The Washington Post whose popular personal finance column appears in more than 120 newspapers. She’s also a mother of three children who understands what it’s like to live on a budget. In a plainspoken, sassy, no-nonsense voice, Michelle provides answers to the financial issues that confront almost every household: how to teach children the value of money; how to address money issues in a relationship or marriage; household saving tips; getting the best loans; and much more. “This book is about saving enough money to have choices,” she writes. “It’s about feeling free to be cheap if you can’t afford to buy a ton of gifts at Christmas. It’s about eliminating wasteful spend-ing so you can begin to save and invest. It’s full of uncommon commonsense lessons and guidance on the way people should use their money.” With humor and down-home financial wisdom, Michelle Singletary offers practical and realistic advice that will help you live well with the money you have. Michelle Singletary on . . . Romance and Money “It’s okay to say: ‘Honey, I love you and everything, but if you need money, ask your mama.’” Credit Cards “We are minimizing our financial potential by making minimum credit-card payments.” Car Buying “If you want to save money, keep your car until you’re on a first-name basis with the local tow-truck drivers.” Leasing a Car “You, too, can drive a car you can’t afford and then have to give it back. It’s crazy.” Gift Giving “Generosity isn’t about how much you spend. It’s about how much thought you put into the gift.” Penny Pinching “I once bought a stick-shift car because it was $1,000 cheaper than the automatic in the same model. There was just one little problem. I couldn’t drive a stick-shift. But at least I saved $1,000!” |
| your life your money worksheet: Real Life on a Budget Jessi Fearon, 2015-06-28 Real Life on a Budget is a practical guide to helping you navigate the waters of money management. It features real life budget advice, practical challenges, actionable steps that will help you map out your journey to living and thriving on a budget. If you have been struggling with developing, maintaining, and living on a budget, Real Life on a Budget will help you create a system to better manage your finances and will challenge you to stick to your real life budget. Written by popular personal finance blogger, Jessi Fearon (www.thebudgetmama.com), Real Life on a Budget provides Jessi's real-world budget advice and exercises for every area of managing your household budget. Real Life on a Budget is a powerful tool to help you start living and thriving on a budget. |
| your life your money worksheet: Making Money Simple Peter Lazaroff, 2019-04-02 Simplify your financial life and ensure financial success into the future Feeling paralyzed by the overwhelming number of complex decisions you need to make with your money? You don’t need to be an expert to achieve financial freedom. You just need a framework that makes the right choices simple and easy to make. Making Money Simple provides that much-needed process so you can get on the right track to long-term financial security. This valuable resource provides a solid foundation for all the nuanced personal finance decisions you need to make as you go through your career, hit major life milestones, and look to grow wealth. It’s a blueprint for financial achievement—even through tough-to-navigate situations where there are no clear-cut rules. After you read Making Money Simple, you’ll be able to create your personal plan for success using proven wealth management methods and real-world financial strategies. From basic financial principles to advanced investing techniques, you’ll get comprehensive coverage of fundamental financial topics with easy-to-follow advice from author Peter Lazaroff, who draws from his expertise as the Chief Investment Officer of a multi-billion-dollar wealth management firm to give you the tools you need to simplify your financial situation and make the right moves at every opportunity. Getting your finances in order doesn’t have to be hard. It doesn’t require fancy, convoluted investment strategies. Nor does it require keeping track of detailed spreadsheets. You just need this step-by-step process to get your financial house in order and keep it that way forever. It doesn’t matter what your specific situation is. We all need to understand our money—and what to do with it. Making Money Simple shows you how to: Develop clear financial goals and plan for your future Understand the three crucial elements of building a strong financial house Implement effective investment strategies to grow your wealth and avoid costly mistakes Learn ten smart questions to ask when hiring financial professionals For those seeking to secure a solid financial future, Making Money Simple: A Complete Guide to Getting Your Financial House in Order and Keeping It That Way Forever is the roadmap to get you there. |
| your life your money worksheet: Do You! Russell Simmons, 2007 Since rising out of the New York City streets over 25 years ago, Russell Simmons has helped create such groundbreaking ventures as Def Jam Records, Phat Farm and Def Comedy Jam, becoming known the world over as The CEO of Hip Hop. He credits his success to his belief in a set of 12 laws, which he shares in this book. His path towards success can be followed by anyone struggling to realize their dreams. Indeed, those solely looking to build up their bank accounts at the expense of personal integrity should look elsewhere. Blending business insight and spiritual inspiration, Russell believes that all success, professional or personal, comes from a connection with your higher self, and that it's impossible to receive any sort of lasting success from the world without giving something of lasting value to the world first: being a mentor and philanthropist is fundamental to success.--From publisher description. |
| your life your money worksheet: The Ultimate Retirement Guide for 50+ Suze Orman, 2020-02-25 The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. I wrote this book for you, Suze says. The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you. |
| your life your money worksheet: Die with Zero Bill Perkins, William O. Perkins, 2020 A startling new philosophy and practical guide to getting the most out of your money-and out of life-for those who value memorable experiences as much as their earnings-- |
| your life your money worksheet: But First, Save 10 Sarah-Catherine Gutierrez, 2020 Major financial mistakes no longer have to be a rite of passage for adulthood. But First, Save 10 casts aside self-judgment budgeting, demystifies common financial jargon, and teaches a simple approach designed to yield abundance and joy. Plan retirement on your own terms and buck that unfulfilling job or start your dream business-this system is your ticket to a life of true freedom, however you define it. With a pay yourself first cash management system combined with automation, you'll accomplish what prior generations have collectively failed to do: 1. Save (enough) and invest to retire;2. Create, fund, and retain an emergency fund;3. Save for future expenses that bring joy, security, and freedom;4. Pay down debt aggressively and use debt sparingly and responsibly;5. Design a life with low fixed overhead; and6. Enjoy spending the rest. Finally, we have a sustainable routine, adaptable for any income at any life point-a system that offers the power to design our futures and define our destinies. |
| your life your money worksheet: How Will You Measure Your Life? (Harvard Business Review Classics) Clayton M. Christensen, 2017-01-17 In the spring of 2010, Harvard Business School’s graduating class asked HBS professor Clay Christensen to address them—but not on how to apply his principles and thinking to their post-HBS careers. The students wanted to know how to apply his wisdom to their personal lives. He shared with them a set of guidelines that have helped him find meaning in his own life, which led to this now-classic article. Although Christensen’s thinking is rooted in his deep religious faith, these are strategies anyone can use. Since 1922, Harvard Business Review has been a leading source of breakthrough ideas in management practice. The Harvard Business Review Classics series now offers you the opportunity to make these seminal pieces a part of your permanent management library. Each highly readable volume contains a groundbreaking idea that continues to shape best practices and inspire countless managers around the world. |
| your life your money worksheet: Suze Orman's Financial Guidebook Suze Orman, 2006-08-15 A One-on-One Financial Planning Session with Suze Orman With her New York Times bestseller The 9 Steps to Financial Freedom, America’s leading financial expert Suze Orman transformed the concept of money forever by teaching us to recognize the emotional aspects of our relationship with it. Now, this fully revised edition of Suze Orman’s Financial Guidebook translates Suze’s own brand of motivation and inspiration into a user-friendly, hands-on workbook that will empower you to work through the nuts and bolts of personal finance, with Suze as your trusted adviser. Updated to keep you abreast of our quickly shifting economy, you’ll find: • Insightful exercises, quizzes, and worksheets to help you understand how your parents’ relationship with money affects yours, and what money means to you • Up-to-the-minute information on tax codes, IRA rules and regulations, and long-term-care insurance • Useful strategies for coping with the ever-changing landscape of educational costs, social security, and the stock market • An outline of key questions that every financial adviser should ask you upon your initial meeting • An in-depth analysis of all your monthly expenses, providing a realistic picture of just how much money you have to work with and how you may not be respecting your money as much as you should Regardless of your age and income, it is never too early or too late to take control of your money. Suze Orman’s Financial Guidebook is the perfect companion to The 9 Steps to Financial Freedom, the personal finance classic that changed the way millions of Americans viewed money. Full of self-tests, thought-provoking questions, and Suze’s easy-to-understand personal finance advice, here is your empowering approach to achieving financial freedom forever, with the best guide possible. |
| your life your money worksheet: Designing Your Life Bill Burnett, Dave Evans, 2016-09-20 #1 NEW YORK TIMES BEST SELLER • At last, a book that shows you how to build—design—a life you can thrive in, at any age or stage • “Life has questions. They have answers.” —The New York Times Designers create worlds and solve problems using design thinking. Look around your office or home—at the tablet or smartphone you may be holding or the chair you are sitting in. Everything in our lives was designed by someone. And every design starts with a problem that a designer or team of designers seeks to solve. In this book, Bill Burnett and Dave Evans show us how design thinking can help us create a life that is both meaningful and fulfilling, regardless of who or where we are, what we do or have done for a living, or how young or old we are. The same design thinking responsible for amazing technology, products, and spaces can be used to design and build your career and your life, a life of fulfillment and joy, constantly creative and productive, one that always holds the possibility of surprise. |
| your life your money worksheet: Miss Independent Nicole Lapin, 2022-02-01 Wall Street Journal BESTSELLER New York Times bestselling author of Rich Bitch and renowned money expert Nicole Lapin makes investing accessible and fun so women can make bank and become Miss Independent. You’ve worked hard for your money and now it’s time for your money to work for you. You will never earn or budget your way into real wealth. Growing your money significantly doesn’t require starting with a lot of money. It requires a little bit of knowledge about taking smart risks and as much time as possible to take advantage of the glorious power of compound interest, which Einstein refers to as the eighth wonder of the world. From automating your savings to easy, no-stress investing strategies, Nicole will teach you how to take your financial knowledge and portfolio to the next level and start you on your journey to your ultimate destination: true financial independence. In Miss Independent, you will learn: The freedom that wealth affords you, whether it’s the ability to leave a crappy job or significant other, go on the vacation of your dreams or otherwise live life on your own terms. The best method for establishing your “number”—the amount of wealth you want to accumulate before you retire—and getting it. The meaning of the most common investing terms, like stocks and bonds, (and some more exotic ones like REITs or cryptocurrency) and how to make them work to your advantage. The ins and outs of big financial decisions and concepts, like taking out a mortgage, owning investment properties, and buying life insurance. Miss Independent takes the fear out of money management and investing once and for all. Using her own vulnerable stories and her signature conversational style, let Nicole show you all the different ways and paths that you can take to become financially free at last. |
| your life your money worksheet: Financial Peace Dave Ramsey, 2002-01-01 Dave Ramsey explains those scriptural guidelines for handling money. |
| your life your money worksheet: The Bucket Plan® Jason L Smith, 2017-08-29 Worry less. Plan more. Do you want a secure retirement, free from worry, stress, and confusion? The Bucket Plan® is a must-read book for anyone serious about creating a practical and sensible financial plan for his or her retirement years. The financialplanning process outlined in this book is based on a three-bucket philosophy of strategically positioning assets to plan for and mitigate the risks and dangers that can occur in retirement. Readers will learn: • The three biggest dangers for your financial future and how The Bucket Plan helps protect from them • A formula for calculating whether you will have an income deficit and, if so, how much money is needed to prevent it • A surefire way to avoid taking on too much investment risk on money you may need in the near future • Much, much more When readers strategically allocate their money using Jason Smith’s three-bucket philosophy, they can create a plan that mitigates risk and offers an opportunity for growth into the future, allowing them to feel more secure about retirement. |
| your life your money worksheet: God and Money Gregory Baumer, John Cortines, 2016 Two young Harvard MBAs on the fast track to wealth and success tell their story of God's transforming power and how Scripture brought them to the startling conclusion that they should give the majority of their money away to those in need. Packed with compelling case studies, research, and practical strategies, God and Money offers an honest look at what the Bible says about generous giving. No matter what your salary may be, God and Money shows you how you can reap the rewards of radical generosity in your own life.--from publisher description. |
| your life your money worksheet: The 60-Minute Money Workout Ellie Kay, 2010-12-14 Financial transformation in just one hour a week! You can revolutionize your finances in only sixty minutes! Looking for long-term economic stability and not common quick-fix schemes? Discover the secrets that Ellie Kay used to deliver her family from $40,000 in consumer debt. Now a nationally recognized financial expert and best-selling author, Ellie shares her one-hour-a-week program that has made it possible to take care of her family and do it all debt-free! With entertaining anecdotes, easy-to-follow charts, and practical advice, The 60-Minute Money Workout is both fun and feasible. You’ll be able to: br” Get out of debt and save for your kids’ collegebr” Have meaningful and debt-free vacationsbr” Pay cash for your carsbr” Make a difference in the world by giving generouslybr” Find financial peace with your spouse |
| your life your money worksheet: Financial Autonomy Paul Benson, 2022-01-01 Financial Autonomy is a fresh, innovative book about money. But unlike most money books, it's not focused on making you the richest person in your street, or worse, the richest person in the cemetery. Instead, the focus of this book is on gaining choice. What can you do on the money side of your life, to provide you with the choice to pursue maximum happiness in all the other aspects of your life.Have you ever listened to a guest on a radio program or a speaker at an event talking about some amazing experience they've had? Perhaps it was traveling through Tibet in a beaten-up Land Rover, sailing around the world, jumping out of planes in a wing suit, or starting a business or charity of their own, driven by a magnitude 10 passion to make an impact.And when listening to these inspiring stories, have you ever wondered how they managed to organise their life so that it was possible? Do you wish you could organise your life to do what's important to you?Financial Autonomy is a book about money but it's equally about gaining choice. If you get the money side of your life right, you will have the choice to pursue maximum happiness in all the other aspects of your life. Personal finance expert Paul Benson believes there are three vehicles to create enough wealth to have the choices you desire are: (1) Investing in shares; (2) Investing in property; and (3) Working for yourself (starting a side hustle or small business). He explores these in detail, as well budgeting and saving - and as you'd expect, he gives readers a choice of strategies they can adopt to succeed in these areas. |
| your life your money worksheet: How to Make Your Money Last - Completely Updated for Planning Today Jane Bryant Quinn, 2020-01-07 NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life. |
| your life your money worksheet: Debt-Free Forever Gail Vaz-Oxlade, 2010-04-15 Free yourself from maxed-out cards, mounting interest, and constant money stress with this “entertaining and easy to read” guide (Windsor Star). If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free—it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to: figure out how much you’ve actually been spending calculate how much you owe—and what it’s costing you build a budget that works maximize your debt repayments so you can be free of consumer debt in three years or less prepare for a rainy day so it doesn’t cause a major setback set goals for your new, debt-free life Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, follow the plan—and start becoming debt-free forever. |
| your life your money worksheet: The Financial Anxiety Solution Lindsay Bryan-Podvin, 2020-02-18 Discover how to overcome money stress, make smarter money moves, and find financial freedom with this life-changing interactive guide! Most adults today experience some degree of anxiety. In the United States alone, 51% of adults report feeling anxious. And what is one of the top causes of this chronic anxiety? Money. Financial anxiety is ranked #2 in terms of what is stressing Americans out. And the more anxious a person is about money, the less likely they are to take action toward improving their financial health. Hitting a little close to home? Now that your heart rate is up, here’s the good news—anxiety is treatable and financial literacy is easier than you think. The Financial Anxiety Solution will show you how to conquer money-related stress and take control of your financial life. Inside, you’ll find: Cognitive behavioral therapy (CBT) techniques for developing anxiety coping skills Interactive quizzes to help identify “pain points” of stress Journal prompts to help work through money-related thoughts and feelings Mindfulness exercises to help calm a worried mind Popular money-management techniques that can help turn the page on financial anxiety The Financial Anxiety Solution takes you step by step through helpful exercises and strategies to understand the sources of anxiety, apply coping skills to address anxiety symptoms, and prepare to tackle your financial worries. |
| your life your money worksheet: Building a Second Brain Tiago Forte, 2022-06-14 Building a second brain is getting things done for the digital age. It's a ... productivity method for consuming, synthesizing, and remembering the vast amount of information we take in, allowing us to become more effective and creative and harness the unprecedented amount of technology we have at our disposal-- |
| your life your money worksheet: All Your Worth Elizabeth Warren, Amelia Warren Tyagi, 2006-01-09 The bestselling mother/daughter coauthors of The Two-Income Trap now pen an essential guide to the five simple keys to lasting financial peace. |
“Your” vs. “You’re”: How To Choose The Right Word
Aug 15, 2022 · Both your and you’re are incorrectly used in the first sentence; they should be switched. It should look like this instead: You’re so talented at playing your piano. In the …
Grammar: Your or You're? - YouTube
In this video, you’ll learn more about when to use "your" and "you're" correctly in American English. Visit https://www.gcflearnfree.org/grammar/your-or-your...
YOUR Definition & Meaning - Merriam-Webster
The meaning of YOUR is of or relating to you or yourself or yourselves especially as possessor or possessors, agent or agents, or object or objects of an action. How to use your in a sentence.
YOUR | English meaning - Cambridge Dictionary
YOUR definition: 1. belonging or relating to the person or group of people being spoken or written to: 2. belonging…. Learn more.
“Your” vs. “You’re”: Definitions and Examples - Grammarly
May 26, 2023 · In this article, we’ll look at the differences between your and you’re, including when to use them, and provide illustrative examples. Your is the possessive form of the …
Your vs. You’re : Do You Know the Difference? - GrammarBook.com
How to Tell the Difference Between Your and You’re. It’s easy to confuse your and you’re because they sound the same when spoken out loud. They clearly have a similar spelling as …
Your vs. You’re – Usage, Difference & Examples - GRAMMARIST
Your and you’re are both forms of the second-person personal pronoun you. Your is possessive, while you’re is a contraction of “you are.” They are commonly misused in writing, which often …
Your vs. You’re: When to Use Your and You’re - PaperTrue
May 12, 2025 · Your is a possessive pronoun that shows belonging and ownership. It is derived from the personal pronoun you and is usually used before a noun. ‘Your’ is a possessive form.
How to Use You're and Your: 7 Steps (with Pictures) - wikiHow
Dec 21, 2023 · To use you're and your correctly, remember that you're is short for "you are," and your is used to show ownership, like in "your house." If you don't know which one to use, try …
Your vs. You’re: What’s the Difference? - Writing Explained
These two words sound alike, but mixing up you’re vs. your is an embarrassing mistake that is easy to avoid. Your is a possessive adjective and modifies nouns. You’re is a contraction of …
“Your” vs. “You’re”: How To Choose The Right Word
Aug 15, 2022 · Both your and you’re are incorrectly used in the first sentence; they should be switched. It should look like this instead: You’re so talented at playing your piano. In the …
Grammar: Your or You're? - YouTube
In this video, you’ll learn more about when to use "your" and "you're" correctly in American English. Visit https://www.gcflearnfree.org/grammar/your-or-your...
YOUR Definition & Meaning - Merriam-Webster
The meaning of YOUR is of or relating to you or yourself or yourselves especially as possessor or possessors, agent or agents, or object or objects of an action. How to use your in a sentence.
YOUR | English meaning - Cambridge Dictionary
YOUR definition: 1. belonging or relating to the person or group of people being spoken or written to: 2. belonging…. Learn more.
“Your” vs. “You’re”: Definitions and Examples - Grammarly
May 26, 2023 · In this article, we’ll look at the differences between your and you’re, including when to use them, and provide illustrative examples. Your is the possessive form of the …
Your vs. You’re : Do You Know the Difference? - GrammarBook.com
How to Tell the Difference Between Your and You’re. It’s easy to confuse your and you’re because they sound the same when spoken out loud. They clearly have a similar spelling as well. …
Your vs. You’re – Usage, Difference & Examples - GRAMMARIST
Your and you’re are both forms of the second-person personal pronoun you. Your is possessive, while you’re is a contraction of “you are.” They are commonly misused in writing, which often …
Your vs. You’re: When to Use Your and You’re - PaperTrue
May 12, 2025 · Your is a possessive pronoun that shows belonging and ownership. It is derived from the personal pronoun you and is usually used before a noun. ‘Your’ is a possessive form.
How to Use You're and Your: 7 Steps (with Pictures) - wikiHow
Dec 21, 2023 · To use you're and your correctly, remember that you're is short for "you are," and your is used to show ownership, like in "your house." If you don't know which one to use, try …
Your vs. You’re: What’s the Difference? - Writing Explained
These two words sound alike, but mixing up you’re vs. your is an embarrassing mistake that is easy to avoid. Your is a possessive adjective and modifies nouns. You’re is a contraction of …
