Your Money_ The Missing Manual - J. D. Roth [173]
utilization ratio, How and When to Cancel a Card
V
VacationsToGo.com, Travel Tools
values, Understand your goals and values, Budgeting in Practice, Why Budgets Fail
Vanguard Group, The Couch Potato Portfolio by Scott Burns, Mutual fund companies
variable life insurance, Life Insurance
vesting, Disadvantages of 401(k)s
veterans banking options, The Right Bank for You
voluntary simplicity, Reduce clutter
volunteer tourism, Volunteer tourism
Vonnegut, How Much Is Enough?
W
W-4 forms, How Income Tax Works
walking away, Make a deal
warranties, Why Use a Credit Card?, General Insurance Tips
Warren, Simple Budget Frameworks, Counting the Dollars
web-based TV, The cable company
Wesabe website, Web-Based Tools
Weston, Save While Shopping, Your Credit Score, Boosting Your Score, Early Retirement and Other Dreams
whole life insurance, Life Insurance
wills, Drawing up a Will
windfalls, Other approaches, Allowances
Wishpot website, Save While Shopping
withholding, How Income Tax Works, The Pros and Cons of Refunds
WorstPills.org, Doctors and Drugs
written notices, Moving On, How and When to Cancel a Card
Y
Yapta.com, Travel Tools
yard sales, Holding a yard sale, Posting items on Craigslist, Posting items on Craigslist
yearly budgets, Think Yearly
Yodlee Money Center, Web-Based Tools
yoga of money, Church, Charity, and Community
You Need a Budget (YNAB), Envelope Budgeting, Desktop Software
Z
Zweig, Keep Costs Low
Table of Contents
Your Money: The Missing Manual
The Missing Credits
About the Author
About the Creative Team
Acknowledgements
Introduction
About This Book
About the Outline
About MissingManuals.com
Safari® Books Online
I. Blueprint for Financial Prosperity
1. It's More Important to Be Happy Than to Be Rich
How Money Affects Happiness
The Fulfillment Curve
Caught Up in the Rat Race
How Much Is Enough?
Understand your goals and values
Practice conscious spending
Reduce clutter
Seek balance
It's Not About the Money
Living a Rich Life
2. The Road to Wealth Is Paved with Goals
The Road to Success
The Importance of Passion
Setting SMART Goals
Tools and Resources to Help You Achieve Your Goals
Accountability Partners
Web-Based Tools
Old-School Tools
Coping with Mistakes and Setbacks
Final Thoughts on Pursuing Goals
3. "Budget" Is Not a Four-Letter Word
Mapping Your Financial Future
Building a Budget That Works
Simple Budget Frameworks
Budgeting in Practice
Sticking to a Budget
Tracking Your Spending
Envelope Budgeting
Think Yearly
Automating Your Budget
Desktop Software
Web-Based Tools
Why Budgets Fail
4. Defeating Debt
The Power of Positive Cash Flow
Cash Flow Basics
The Basics of Debt Reduction
Stop Accumulating Debt
Establish an Emergency Fund
Destroy Existing Debt
Destroying high-interest debt first
Destroying low-balance debt first
Other approaches
Other Tips and Tricks
Curbing Compulsive Spending
Where to Find Help
Debtors Anonymous
Consumer credit counseling
Financial Peace University
Start Now
II. Laying the Foundation
5. The Magic of Thinking Small
Why Frugality Matters
The Power of Small Change
Frugal Tactics Anyone Can Use
Eat Well for Less
Supermarket savings
Dining out
Greens from the garden
Pay Less for Power
The electric company
The phone company
The cable company
Doctors and Drugs
Maximum Fun at Minimum Cost
Save While Shopping
The Tyranny of Stuff
Leading a Rich Life on a Budget
6. How to Make More Money
Working for Others
For Love or Money: Which Career Should You Choose?
Starting on the Right Foot: Salary Negotiations
How to Ask for a Raise
Moving On
Taking a Second Job
Working for Yourself
The Pros and Cons of Entrepreneurship
Resources