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Index
Dedication
Contents
Introduction
Section 1: Create Wealthy Habits
Money Mindsets, Attitudes & Myths
I deserve it
It was an emergency
I bought it on sale
A couple bucks never hurt anyone
If I made more money, this would be easier
I’ll start later
I don’t make enough to save
I don’t know anything about money
It’s good debt
I’m just a giving person
Wealth Begins Within
What the heck is a financial blueprint, anyway?
My parents didn’t teach me anything about money. Now what?
How do I start changing the way I think about money?
What can I do to create wealthier habits?
Where do I find the motivation to change my habits?
I have so much fear around financial matters. How do I get over that?
Setting the Foundation
What is personal finance, really?
What if I’m not really a finance type of person?
What is the most important financial principle I should know?
How do you define wealth?
How do I set financial goals I can achieve?
Why should I care about what’s going on in the economy?
What other resources should I use to get control of my finances?
Section 2: Earn More Money
Workplace Wisdom
Why haven’t I found my dream job?
What can I do to get noticed for the job I want?
How do I negotiate a higher salary?
What does my personal life have to do with my professional life?
How do I avoid workplace drama?
Isn’t it true that mean girls make more money?
How do I know when it’s time to find new employment?
Get Your Hustle On!
How could I possibly start a business and keep working?
How am I supposed to balance a job, a side-business, and a family?
How do I even know what I’m good at?
How can I begin making money from my hobby?
What if I’m just not the “salesy” type?
What can I do to market my business?
What are the basic business lessons I should know?
How can I network effectively?
You Are Your Best Investment
How can I afford personal development when I’m broke?
I’ve tried lots of self-help systems. Why hasn’t anything worked?
What’s the difference between a mentor and a coach?
Should I go back to school if I already have debt?
Is it possible to avoid student loans if I go back to school?
What’s the real difference between grants and scholarships?
What should I do with a financial aid refund check?
How can I take advantage of loan forgiveness?
Section 3: Manage Money Wisely
Get It Together!
What documents should every woman have on hand?
How can I keep my finances organized?
How long should I keep financial documents?
What software do you suggest for managing money effectively?
What professionals should I have on my financial team?
How do I choose the right professionals for my personal finance team?
Budgeting Effectively
Why do I really need a budget?
How do I differentiate between needs and wants?
Why is budgeting so freakin’ hard?
How do I make a budget the right way?
How do I know if I’ve created a realistic budget?
Can you explain the concept of living by percentages?
What if I have inconsistent income?
Will my creditors really move my due dates to fit my personal budget?
Saving and Reducing Debt Simultaneously
What’s the difference between short-term and long-term savings?
How much do I actually need to have saved?
Seriously! How can I possibly save six months of income?
I’ve heard of an emergency fund, but what is an opportunity fund?
If I save on my own, do I still need my employer’s retirement plan?
You’re insane! How could it be possible to save too much or pay down too much debt?
Aren’t there forms of good debt?
Is it okay to buy stuff while I’m still in debt?
What is a debt eliminator, and how do I determine my debt-free date?
What’s your take on payday loans?
How do I know if I should just file bankruptcy?
I’ve already filed bankruptcy. Now what?
I’ve pretty much paid off all my debt. Now what?
Isn’t buying a home a great investment and savings tool?
The Fundamentals of Banking
What’s wrong with using check cashing centers?
How do I know my money is not safer with me than in a bank?
What’s the real difference between a credit union and a bank?
What’s the difference between a checking and savings account?
What should I look for in a checking account?
What should I look for in a savings account?
Where’s the best place to save my opportunity fund?
How do I stay away from ATM machines?
How do I avoid overdraft fees?
Can I open a new bank account if I owe money to another bank?
Why can’t I just use pre-paid cards?
Boosting Credit
How do I obtain a copy of my credit report?
What information should I expect to see on my credit report?
What should I do if there are items on my credit report I don’t recognize?
What’s a credit score, and how is it determined?
What’s the difference between installment debt and revolving debt?
What’s the difference between a credit card, charge card, and debit card?
What Should I Do If I’m Terrified of Credit Cards?
What about department store credit cards? Good or bad?
Can I build or rebuild credit without credit cards?
How do I begin to clean up my credit now?
How do I keep the credit cards I have in good standing?
Should I close a credit card once I pay it off?
What should I say once I get my creditor on the phone?
What should I do if I’m being harassed by a creditor?
How do I prevent identity theft?
Section 4: Relationships and Money
Your Honey, Your Money
What are the warning signs of a financially irresponsible person?
Are there questions I should ask about money while we’re dating?
I prefer to date men with money. Does that make me a gold digger?
What should I do if discover my mate is fundamentally bad with money?
How can I make my man better with money?
I make more money than my man. Why do I feel like he can’t handle that?
Each time my mate and I discuss money, things get tense. How can we get through this?
How do we decide who should manage the money?
I chose to stay home with the kids. Do I still have a right to be involved with the money management?
Should couples share bank accounts?
Do you suggest I keep a secret stash my partner knows nothing about?
At what point should I accept that the money issues have completely ruined our marriage?
How do I recover financially after a divorce or break up?
Friends & Family or Financial Foes
How can I tell if I’m financially enabling someone?
How does co-signing a loan for someone else affect me?
Should I lend money to friends?
What’s wrong with borrowing money from my friends or relatives every once in a while?
How do I deal with girlfriends who have it all?
I think my friends are taking advantage of me financially. How do I protect myself, but keep the friendships?
How do I find the courage to say no to a loved one that needs help?
I said no, and now my loved one isn’t speaking to me. What next?
Kids & Money
How can I make sure my young children have fun learning about money?
When and how do I give my children an allowance?
I think I may have entitled children. Can this be changed?
You really think kids should work?
What should I be doing to make sure my child can attend college debt-free?
How can I say no to my adult child?
Appendix A
Appendix B
Appendix C
Acknowledgments
About the Author
Credits
Copyright
About the Publisher
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