Complete Guide to Personal Finance For Teenagers and College Students

Name: Complete Guide to Personal Finance For Teenagers and College Students
Price: 6.95 USD
Availability: InStock
ISBN: 9781601382078

ISBN-10: 1601382073

ISBN-13: 9781601382078

Edition: 2010

Authors: Tamsen Butler

List price: $21.95

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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…

Book details

List price: $21.95
Copyright year: 2010
Publisher: Atlantic Publishing Group, Inc.
Publication date: 2/22/2010
Binding: Paperback
Pages: 288
Size: 5.75" wide x 8.50" long x 0.75" tall
Weight: 0.748
Language: English



Foreword


Introduction



Learning from the People Around You


Your Parents


How to ask for a peek


Learning by example


Other People



Spending and Saving


Needs versus Wants


Need versus wants questionnaire


Why does it matter?


They All Want Your Money


Impulse buying


Sure, you can spend



Stashing Your Cash


Different Types of Bank Accounts


Savings accounts


Checking accounts


Other types of accounts


Putting Money into Your Savings or Checking Account


Depositing money by mail


Depositing money by ATM


Depositing money by other means


Where Should You Put Your Money?


Develop your plan


Picking a bank


Online Banking


Fees



Budgeting Basics


What is a Budget?


Create Your Budget


Write it down!


Track Your Spending


Cash envelopes


Spending logs


Sample spending log


Cards


Checkbook Registers


Deciding how to track your spending



Creditors and the Games They Play


The Principles of Credit


Common credit card fees include


The Tactics


Look out!


Here, have something for free


Here, let us help you


Here, buy anything you want


Here, become an adult


Minimum payment: Bad news


What if I don't pay?



Debt, Debt, and More Debt


Good Debt and Bad Debt


Good debt


Bad debt


Handle your debt


The debt spiral


Are you in trouble?


Getting rid of debt



What Are You Saving For?


How to Save


Saving for things you want to buy


Saving for college


Student loans


Saving for a rainy day



Getting Money


Getting an Allowance


Getting a Job


Resources for Finding a Job


Create Your Own Job


Get rich quick?



Financial Responsibility


Cosigners and Joint Accounts


Parental access



Credit Reports


What's Listed?


Credit Scores


Identity theft



Everything Else You Need to know


Investing


Taxes


Insurance



On Your Own


Making the Decision to Leave


The Current State of the Economy


Budgeting Worksheet


Conclusion: Congratulations!


Glossary of Terms


Bibliography


Author Biography


Index