Showing posts with label finance. Show all posts
Showing posts with label finance. Show all posts

How To Save Money & Organize Your Finances: Tales of an Urban Consumer Review

How To Save Money and Organize Your Finances: Tales of an Urban Consumer
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How To Save Money & Organize Your Finances: Tales of an Urban Consumer ReviewSome say that wealth is power. If that is true, then very few of us have any power at all. Perhaps that old saying should be changed to say, "Those who know how to manage their finances have power." It is true that some people have a gift of financial wisdom but others must be taught. I believe, although Me'Shae Rolling has had many life experiences that have affected her finances, that she has the gift. She also has a servants heart which causes her to share her gift with others.
It would be difficult to navigate the waters of life without credit but let's face it, many of us are just working to pay off our lenders. The more lenders you have borrowed from the more enslaved you have become. Owing money is the new slavery but those chains can be broken.
Me'Shae has written a practicle, no nonsense, book. She suggests taking a calm methodical approach to eliminating your debt instead of the running around, tearing your hair out, helter skelter way of wondering what to do. Sit down, take a breath, read the book and let a cooler head prevail. Your situation will not become cured overnight but that's okay. It took time to get yourself in all the debt so it will take time to get out of.
Here are just some of the Chapters:
Being Disorganzied Costs You Money
Your W2 Form... Is It Accurate?
Mortgage PrePayments
Assess Needs vs. Wants vs. Desires
Time Your Purchases
Credit Reports & Fico Scores
Teaching Our Youth Financial Literacy
If you are truly tired of working everyday just to hand your check over to "The Man" on payday then you need this book. I reccomend this book highly as one who has recently gotten off of the credit train. I suggest following Me'Shae instructions step by step and learn how to use CASH. That's right, CASH. You'll be happier in the years to come that you took the time to learn the lessons that Mrs. Brooks-Rolling teaches. I encourage you to not only purchase a copy of this book but share it with your friends and family. Share the Power and be blessed!How To Save Money & Organize Your Finances: Tales of an Urban Consumer OverviewHow do you survive the consumer demands of an urban lifestyle? We rise and shine, hop on the bus or subway and grab a newspaper, cup of coffee, and donut or bagel on the way to work.At lunchtime we dash to the deli to buy a sandwich and drop by the local neighborhood drugstore to purchase a few items.We're too tired to cook by the time we get home and therefore order Chinese take-out for dinner.Before we know it, we've spent 30 bucks, hands down, by the end of the day.Now multiply that by five workdays.Assuming the same daily routine, that's $150 per week and approximately $8,000 per year.money that could have been used to build up savings or pay off debt! Whether you want to or not, regardless of whether you love to shop, are a spendthrift or somewhere in between...you can't help but to spend money as a city dweller.You'd virtually have to be a hermit not to.And even then, you would still have to spend money just to supply even your most basic needs:Electricity.Groceries.Transportation.A roof over your head. In this book, you will learn how to:Save money everyday as an urban consumerEstablish a personalized budgetBe financially organizedEliminate and stay out of credit card debtLearn how to obtain your credit report-for freePrevent identity theftPrepare to become a homeowner if you rentRedirect money that is unnecessarily, uncontrollably leaking toward uses more meaningful and important to youSet-up your small business (including tips that you're not going to learn in business school) and much more!From one urban consumer, to another!"While Brooks-Rolling targets city dwellers, How To Save Money and Organize Your Finances: Tales of an Urban Consumer is an absolute must-read for anyone who is truly committed to laying the foundation for multigenerational wealth. It is an accessible, easy-to-follow and desperately needed guide to the kind of lasting financial empowerment that can only come from good stewardship, no matter how much-or how little-money we think we have. If you really want to build wealth, buy this book."Alfred A. Edmond Jr. Sr. VP/Editor-in-ChiefBLACK ENTERPRISE

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The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life Review

The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life
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The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life ReviewMiami Herald reporter Natalie McNeal was enjoying the lifestyle of the young and hip when she realized that she was [...] in debt. To make matters worse, she had no idea how she got there. Her mani/pedis, regular take outs and shopping sprees ballooned her credit card balance, and Natalie had nothing tangible to show for it.
Desperate to make a change, Natalie confessed to be a "spending slut" and began a blog titled The Frugalista Files to chronicle her journey out of debt. Initially, she committed to a month of no spending. Before long, she had a following and a month-long experiment evolved into a new lifestyle and an occupation.
The Frugalista Files is written in a diary format, with Natalie's shrinking debt balance preceding each chapter, or month. Natalie does not preach complete abstinence from spending, but rather a fashionable lifestyle on a budget. For example, she took to styling her own hair, while still visiting a salon for more complicated treatments. She attended social events, but often limited herself to one drink to save money and to prevent alcohol-induced food binges.
Living frugally is all the rage these days, and new books on the topic are popping up all the time. While I appreciated Natalie's message, her book lacked in substance and offered little guidance to someone wanting to follow her example.
Although I expected informal writing due to the diary format, the abundance of exclamation marks, LOLs and other cutesy remarks was distracting. In addition, while The Frugalista Files is touted as "your ultimate guide to living the Frugalista lifestlye", it should not be mistaken for a how-to book. In reality, the frugal tips that Natalie does provide are few and far between, and will be common sense for most readers.The Frugalista Files: How One Woman Got Out of Debt Without Giving Up the Fabulous Life OverviewNatalie 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.

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How to Live Well Without Owning a Car: Save Money, Breathe Easier, and Get More Mileage Out of Life Review

How to Live Well Without Owning a Car: Save Money, Breathe Easier, and Get More Mileage Out of Life
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How to Live Well Without Owning a Car: Save Money, Breathe Easier, and Get More Mileage Out of Life ReviewFirst off, I am NOT car-free. I'll admit that up front. But I would LIKE to be and this book has convinced me that I'd save a TON of money if I were able to reduce or eliminate my dependence on our car.
The author saved about 40K or more in 4 years of living without a car. To say he did not EVER USE a car, however, would not be totally true. He bumped up against reality sometime and had to rent a car on occasion...but mostly he made do by bicycling, walking or using public transportation or taxis.
"Wait", you might say, "Take a taxi? Aren't they expensive?" Not as part of an overall plan that allows one to stop paying for auto insurance, car maintenance, buying a car, etc.
The author makes a convincing argument and I have cut down on my use of our auto as a result, walking as much as possible. I'd do away with it forever if we had reliable public transportation and if our kids weren't involved in activities that were out of the public transportation loop, sometimes out of the city.
But I still have hope of living "car free" and I am aiming for a life where using our car isn't necessary, in a town with good public transportation and mild winters...someday. In the meantime, this book has given me a road map (pun intended) for a simpler, less auto-dependent lifestyle.
How to Live Well Without Owning a Car: Save Money, Breathe Easier, and Get More Mileage Out of Life OverviewYou don'¬?t need to own a car to live well in America. In fact, you'¬?d probably be better off without one. In this groundbreaking guide, award-winning journalist Chris Balish exposes the true costs of car ownership and shows how car-free living can put anyone on the path to financial freedom. Using the book'¬?s car cost worksheet, first figure out how much owning a car really costs-you'¬?ll be surprised. Then, see how easy it is to transition to a car-free or car-lite lifestyle using Chris'¬?s strategies for commuting, running errands, taking trips, dating, socializing, and more. You'¬?ll also find hundreds of tips and success stories from car-free people in cities and suburbs across America. Without car payments, rising gas prices, and traffic jams to worry about, you'¬?ll have more money and leisure time to spend as you choose. Discover why getting rid of your car may be the soundest and sanest lifestyle change you can make.ReviewsView a video clip from NBC's Today Show: http://www.msnbc.msn.com/id/25609661/"Chris Balish offers a mix of the practical-a worksheet to figure out a car's total cost and impact-as well as the horrifying: The average American walks just 300 yards a day."-Sierra Magazine "If ever there was a practical inducement to get out of the car trap, this is it. For the multitude of Americans stuck in traffic and spending thousands of dollars a year on their cars, Chris'¬?s lively and pragmatic step-by-step solutions provide a way out."-Jane Holtz Kay, author of Asphalt Nation"Chris Balish's book can help environmentally conscious Americans live their values. If you're concerned about pollution and global warming, follow the program in these pages. There can be life without a car. And a good life at that!"-Ed Begley, Jr., actor and environmental activist"[Chris Balish's] prescriptions are feasible and most important, reasonable."-San Antonio Express News"Even if living car-free or car-lite isn't foryou, you'll still learn a lot from this book. I did."-Michelle Singletary, Washington PostListen to Chris Balish talk about living car-free in Los Angeles on NPR's Morning Edition.

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