New Money Management Book

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FGTL book coverI can now announce that my new money management book is available for sale and it is better than FREE! It will pay you back with money savings tips, investing expertise, and advice on how to avoid paying full price. Save hundreds of dollars a month, simplify your finances, and enhance your financial future. I especially recommend this book for young people, because the earlier you get on the best financial path, the better your future will be.


Financial Guide to Life –
Managing, Saving, Investing, and Spending Your Money

Why this money management book?

It covers the themes that you have enjoyed here on my blog for 100 posts over the last several years: how to manage, save, invest, and spend your money. Read below for topics the book covers in depth. There are many personal finance books, but I think my book is mostly unique in two ways.

  1. I include links to a wealth of internet resources and mobile apps that will make your finances easier. It is especially nice that in the ebook version, these resources are only a click away.
  2. Too many money management books are written by millionaires or seminar promoters, who may mean well, but do they really know what it’s like to stretch a dollar? Now get practical information and advice from a certified financial education instructor who has faced the same financial challenges as you for more than thirty years.

Where to Find It?

You can find it on Amazon as a paperback, ebook, or large-print edition. Check it out. For more information, see below or go to Amazon. Amazon reviews help authors. If you find that it helps you manage, save, invest, or spend your money, then I would welcome an Amazon review.

What Does the Book Include?

Get money-saving tips, easy-to-read examples, step-by-step explanations, practical checklists, and hard-learned advice to improve your financial future. Additionally, get links to the best internet sites, tools, calculators, comparison aids, databases, smartphone apps, and resources that will make it easier to manage, save, invest, and spend your money.
The Financial Guide to Life covers the key things you need to know and do to handle most aspects of your finances including investing, budgeting, paying student loans, getting married, raising money-smart children, paying for and getting into college, buying a home and car, saving for retirement, getting out of debt, making ends meet, saving money, avoid paying full price, raising your credit score, and joining the millionaire club.

Who Should Read The Financial Guide to Life?

  • Young adults starting their financial journey
  • Women who want financial tips for their unique situations
  • Savers who want to make investing easy, less risky, or go to the next level
  • New and future retirees
  • Families planning for a new baby, kid’s money issues, college payments, buying a house, or saving for retirement
  • People who want to simplify their finances, avoid paying full price, or get on the path to a sound financial future

Get answers, tools, and internet links to help with money management questions like these:

  • Look Mom, I’m a graduate, now what?
  • How can I simplify my finances?
  • How can I get out of debt?
  • What should I do with my savings, IRA, 401(k), or college savings that is safe and easy?
  • How do I save money when buying a car, house, college, and more?
  • How can I make my money go further?
  • How can I raise my credit score?
  • How can I join the millionaire club or at least retire early?
  • How do I keep my future self from coming back in a time-machine and slapping me around for financial mismanagement?

Highlights from 100 Posts for Managing, Saving, Investing, and Spending Your Money

This is my ONE-HUNDREDTH post to bring you information about managing, saving, investing, and spending your money!  I hope you find something useful to save money or improve your financial future.  I will highlight below some of the most useful posts for money management.  I have also taken this opportunity to update the website’s appearance to make it more mobile friendly.  Now you can lookup information and the best money management websites as easily on your tablet and smartphone as you can on your computer.  You can search for information on this website several ways:

  • Menus above
  • Search box in the header
  • Categories list on the right sidebar
  • “Tag cloud” list on the right sidebar

Here are some of the money management articles you may find most useful.

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Safest Cars for Teen Drivers

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The Insurance Institute for Highway Safety (IIHS) has new recommendations for the safest cars for teen drivers.  The stereotype of a car for a teen driver is a loud, muscle car, while the common reality may be an inexpensive, small used car.  However, teen drivers are among the most risky and most likely to get into an accident.  Therefore, recent advice has been for teens to get recent model cars with as many safety features as you can.  Now the IIHS has even more specific recommendations.

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Money Checklists, Freebies, Tools, and Apps

Managing your finances well requires more than just applying sound financial principles.  I also like to use and share useful money checklists, tools, apps, and internet resources.   Today’s post includes a variety of these I have recently found.

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How to Save Money on Groceries

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Groceries can be one of a family’s largest monthly expenses, but it is also the single easiest expense to save money.  There are so many ways to save that you could easily cut your grocery bill by one third.  Coupons are not the most important way to save money on groceries.

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What To Do After an Auto Accident

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What should you do after an auto accident?  Be prepared with this auto accident checklist.  Today, I’m returning to one of our popular categories, automobiles.   See the prior posts here.

Accidents can ruin more than your day or even your car.  It’s a stressful time, so photocopy this checklist and keep it in your glove compartment.  Laws differ from state to state for reporting accidents, whether police will respond to minor accidents, who you should report an accident to, and how long you have for reporting an accident.  In all jurisdictions, you need to report an auto accident when there is an injury or serious damage that exceeds a certain dollar level, but that level varies widely.

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Do-It-Yourself Repairs

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Appliance repair people, look away and skip this post.  The rest of you can save hundreds of dollars with the tips in this post.  Appliance repairs routinely start at a couple hundred dollars which can be one-fourth to one-half of the cost of a new appliance.  Most of that cost is for labor and even the cost for parts can be surprisingly high, but here is a way to drastically reduce that cost – do it yourself.  Wait don’t groan, I’m serious.

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Applying Financial Principles and Meetting Financial Goals

I discuss many personal finance principles in the Financial Guide To Life (FGTL) like reaching financial goals, but sometimes discussing theory can seem more theoretical than practical, or just too hard to actually do, like the latest diet trend.  So today’s post will be about applying financial principles and advice to a real life example — buying my Fitbit health tracker.

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Bucket Strategy, Safely Withdraw Your Savings for Retirement Spending

Last time, we discussed how to determine how much of your savings you can withdraw in retirement while ensuring that savings will last as long as you (and your spouse) do.  Now let’s discuss retirement spending – how to manage your withdrawals from savings in retirement.  Whether you have many or few accounts and assets, you need a plan to manage the withdrawal of your assets, converting them to cash, and investing the rest for both income and growth.  One of the first questions you should answer when investing is what is your time horizon, i.e., when will you need your money?  You should use this same principle when getting ready to use your savings.  When you are ready to start using your retirement savings, the answer to when will you need your retirement savings is this.  Your retirement spending will need some of your money now, some within a few years, and some many years from now.  So you should divide your retirement savings into categories that meet each of these time horizons.  This strategy is known as the basket  or bucket strategy.  Continue reading

Spending Your Retirement Nest Egg – Part 2, Retirement Savings Withdrawals

How much of my retirement savings can I spend in retirement so I don’t run out of money?

Last week, I discussed how to save the big money you will need to live comfortably in retirement, especially if you don’t have a pension. Now let’s turn to spending your retirement savings which can be as confusing as saving for retirement.  Hopefully, you have saved a GIGANTIC pile of money in your tax-advantaged retirement accounts before you are ready or have to retire.  Once you retire, managing your retirement savings becomes even more challenging because you have to balance the need for immediate cash withdrawals versus your long-term need to make your savings last for as long as you live.  You have the challenge to make it last for perhaps 30 years or more, while guarding against stock market crashes, failure to keep pace with inflation, and spending it too fast.   Let’s discuss several strategies to manage your retirement savings withdrawals.

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