The Complete Guide to Personal Finance: For Teenagers and College Students

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The Complete Guide to Personal Finance: For Teenagers and College Students

Format:  Paperback,

288 pages

Publisher: Atlantic Pub Co

Publish Date: Jun 2010

ISBN-13: 9781601382078

ISBN-10: 1601382073

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Book Information

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Advertisers are well-known for targeting teenagers and have a firm reason for doing so: Teenagers spent close to $190 billion in 2006, and that figure is expected to jump to approximately $209 billion by 2011. It seems quite obvious that teenagers know how to spend money, but do they know how to save?Personal financial planning is the process of establishing your own financial goals and finding a way to reach them. It is an ongoing process that involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your goals. While teenagers yield immense spending power, many lack the financial knowledge necessary to manage their money wisely. The Complete Guide to Personal Finance: For Teenagers is a reliable and relevant source of financial information in which teenagers will find a wealth of useful information.In this new book, you will learn how to get and manage credit, how to make and stick to a budget, how to save for college, how to determine your needs versus your wants, how to pay for a car, how to finance college, how to manage risk, how to open a bank account, how to write a check, how to balance a checkbook, how to avoid the pressures of consumerism, and how to avoid financial mistakes. You will also learn about investment options, taxes, checks, debit cards, credit cards, and basic budget tips. This book is filled with helpful suggestions from financial and family counselors, and you will discover creative ways to get a jumpstart on your financial future and use money responsibly. Even if you have had a few missteps along the way, you will be able to learn from your mistakes and get on the path to financial well-being.

Specifications

:
Publisher: Atlantic Pub Co
Publish Date: Jun 2010
ISBN-13: 9781601382078
ISBN-10: 1601382073
Format: Paperback
Number of Pages: 288
Shipping Weight (in pounds): 0.75
Product in Inches (L x W x H): 5.75 x 8.5 x 0.75

Chapter outline

Forewordp. 13
Introductionp. 15
Learning from the People Around Youp. 19
Your Parentsp. 20
How to ask for a peekp. 24
Learning by examplep. 25
Other Peoplep. 26
Spending and Savingp. 33
Needs versus Wantsp. 34
Need versus wants questionnairep. 36
Why does it matter?p. 36
They All Want Your Moneyp. 43
Impulse buyingp. 45
Sure, you can spendp. 48
Stashing Your Cashp. 55
Different Types of Bank Accountsp. 56
Savings accountsp. 56
Checking accountsp. 60
Other types of accountsp. 62
Putting Money into Your Savings or Checking Accountp. 65
Depositing money by mailp. 65
Depositing money by ATMp. 69
Depositing money by other meansp. 73
Where Should You Put Your Money?p. 74
Develop your planp. 79
Picking a bankp. 83
Online Bankingp. 85
Feesp. 87
Budgeting Basicsp. 93
What is a Budget?p. 95
Create Your Budgetp. 102
Write it down!p. 102
Track Your Spendingp. 111
Cash envelopesp. 112
Spending logsp. 117
Sample spending logp. 120
Cardsp. 121
Checkbook Registersp. 127
Deciding how to track your spendingp. 129
Creditors and the Games They Playp. 133
The Principles of Creditp. 134
Common credit card fees includep. 136
The Tacticsp. 139
Look out!p. 139
Here, have something for freep. 140
Here, let us help youp. 142
Here, buy anything you wantp. 143
Here, become an adultp. 148
Minimum payment: Bad newsp. 150
What if I don't pay?p. 154
Debt, Debt, and More Debtp. 165
Good Debt and Bad Debtp. 167
Good debtp. 167
Bad debtp. 168
Handle your debtp. 172
The debt spiralp. 181
Are you in trouble?p. 182
Getting rid of debtp. 186
What Are You Saving For?p. 189
How to Savep. 190
Saving for things you want to buyp. 190
Saving for collegep. 195
Student loansp. 200
Saving for a rainy dayp. 204
Getting Moneyp. 209
Getting an Allowancep. 211
Getting a Jobp. 215
Resources for Finding a Jobp. 220
Create Your Own Jobp. 222
Get rich quick?p. 228
Financial Responsibilityp. 231
Cosigners and Joint Accountsp. 232
Parental accessp. 235
Credit Reportsp. 237
What's Listed?p. 238
Credit Scoresp. 239
Identity theftp. 240
Everything Else You Need to knowp. 247
Investingp. 248
Taxesp. 249
Insurancep. 250
On Your Ownp. 253
Making the Decision to Leavep. 253
The Current State of the Economyp. 256
Budgeting Worksheetp. 258
Conclusion: Congratulations!p. 261
Glossary of Termsp. 263
Bibliographyp. 281
Author Biographyp. 283
Indexp. 285

Book description

Advertisers are well-known for targeting teenagers and have a firm reason for doing so: Teenagers spent close to $190 billion in 2006, and that figure is expected to jump to approximately $209 billion by 2011. It seems quite obvious that teenagers know how to spend money, but do they know how to save?

Personal financial planning is the process of establishing your own financial goals and finding a way to reach them. It is an ongoing process that involves examining all existing resources, developing a plan to use them, and systematically implementing the plan to achieve your goals. While teenagers yield immense spending power, many lack the financial knowledge necessary to manage their money wisely. The Complete Guide to Personal Finance: For Teenagers is a reliable and relevant source of financial information in which teenagers will find a wealth of useful information.

In this new book, you will learn how to get and manage credit, how to make and stick to a budget, how to save for college, how to determine your needs versus your wants, how to pay for a car, how to finance college, how to manage risk, how to open a bank account, how to write a check, how to balance a checkbook, how to avoid the pressures of consumerism, and how to avoid financial mistakes. 

You will also learn about investment options, taxes, checks, debit cards, credit cards, and basic budget tips. This book is filled with helpful suggestions from financial and family counselors, and you will discover creative ways to get a jumpstart on your financial future and use money responsibly. Even if you have had a few missteps along the way, you will be able to learn from your mistakes and get on the path to financial well-being.

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