Personal Finance For Dummies

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Need help starting your budget? NerdWallet breaks down your spending and shows you ways to save.

personal finance 101, personal finance basics, and fundamentals

Get started — it's free. About the author. We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines , and avoid disclosing personal or sensitive information such as bank account or phone numbers. Begin turbo-charging your investment returns now! With so many choices, investing can be tricky.

Personal Finance for Dummies

Stock Investing for Dummies, 2nd Edition , makes things simple with proven tactics and time-tested strategies for picking winners. This updated edition includes new case studies, resources, and insight on government policy, and will have you investing with confidence in no time!

Buy as many lattes as you want. Spend extravagantly on the things you love.

Customer Reviews

In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards. Robert Kiyosaki has challenged and changed the way tens of millions of people around the world think about money.

With perspectives that often contradict conventional wisdom, Robert has earned a reputation for straight talk, irreverence and courage. He is regarded worldwide as a passionate advocate for financial education. According to Kiyosaki, "The main reason people struggle financially is because they have spent years in school but learned nothing about money. In Debt-Free Forever , Gail gives you a clear strategy and the steps needed to implement it.

For all those people who don't know the difference between the commodities market and the supermarket, here is expert and trustworthy advice from a financial counselor and lecturer who speaks your language. Cutting through the jungle of statistic complexity, Personal Finance for Dummies shows you how to make easy work of your own finances, no matter what your income or experience level.

Greater return for your money, with less anxiety - that's a bargain if we ever heard one. Rewards your candor with advice and comfort. Not enough information to help me with my finance or give me directions on how to start nor how to build my financial situation. I wanted something more advanced but good read for beginners in my opinion.

Would recommend to someone younger and inexperienced.

Personal Finance For Dummies, 7th Edition [Book]

This book was "OK", but not "great" in my opinion I was looking for more info on investing and what percentage of income should typically go to what categories, etc. This was more of a kick in the pants about not using "bad" forms of credit what Tyson considers "bad" credit is anything used for consumer goods. I listened to the Abridged version. I am not sure what all is covered in the Unabridged one, but this one seemed to be missing some important details. For me, the most important thing is that it really should be updated with more accurate details for today's financial world.

How much and what types of insurance is needed is glazed over One major U. High-interest consumer debt on credit cards and auto loans is like cancer when it gets to those levels. As with cancer, the growth of the debt can snowball and get out of control unless something significant intervenes. If you have this much debt, see Chapter 5 to find out how to get out of debt.

How much good debt is acceptable? The answer varies.

Personal Finance For Dummies

The key question is, are you able to save sufficiently to accomplish your goals? Later in this chapter, I help you figure how much you are actually saving, and in Chapter 3, I help you determine what you should be saving to accomplish your goals. Take a look at Chapter 14 to find out how much mortgage debt is appropriate to take on when buying a home. TIP Playing the credit card float Given what I have to say about the vagaries of consumer debt, you might think that I am against using credit cards.

Besides the convenience credit cards offer me in not having to carry around extra cash and checks, I get another benefit. I have free use of the bank's money extended to me through my credit card charges. Some cards offer other benefits such as frequent flyer miles. Also, purchases made on credit cards may be contested if the seller of the product or service doesn't stand behind what it sells. When you charge on a credit card that does not have an outstanding balance carried over from the prior month, you typically have several weeks, known as the grace period , from the date of the charge to when you must pay your bill.

Financial types call this playing the float. Had you paid for this purchase by cash or check, you would have had to shell out the money sooner. If you have difficulty saving money and plastic tends to burn holes through your budget, forget the float game.


You'd be better off not using your credit cards. The same applies for those who pay their bills in full but who spend more because it's so easy to do so with a piece of plastic. Your Financial Net Worth Your financial net worth is an important barometer of your financial health. It indicates your capacity to accomplish major financial goals such as buying a home, retiring, and withstanding unexpected expenses or loss of income. Before you crunch any numbers here and before you experience the thrill of bigness or the agony of nothingness or negativity, let's get one thing perfectly clear.

Sit down.

Take a deep breath. You don't have to compare your number with your neighbor's. It's not the scorecard of life. So do we have an understanding? I hate to see people get depressed about unimportant things that they have the power and ability to change. Your net worth is your financial assets minus your financial liabilities.

Financial assets generally include money in bank accounts, stocks, bonds, and mutual fund accounts see Part III, which deals With investments.

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  8. Also included is money that you have in retirement accounts, including those with your employer. You should also include the value of any businesses or real estate that you own. TIP I generally recommend that you exclude your personal residence. Include your home only if you expect to someday sell it or otherwise live off the money you now have tied up in it perhaps by taking out a reverse mortgage, which I discuss in Chapter If you plan on someday tapping into the equity the difference between the market value and any debt owed on the property in your home, add that portion of the equity that you expect to use to your list of assets.

    Assets also include your future expected Social Security benefits and pension payments if your employer has such a plan. These are usually quoted in dollars per month rather than in a lump sum value.