Zen and The Art of Personal Finance

A tremendous number of people are having money problems, having way too much debt, and they never seem to make any financial progress to get ahead of the game. Bankruptcy is at an all time high across the country. There are more foreclosures now than any other time in United States history. In Zen and The Art of Personal Finance you will learn about budgeting and money mindset. Finances and budget items can change spontaneously and unexpectedly. As your family dynamics change so do your finances and budget controls. You will learn about the four financial groups and how money troubles start. Making your money work most efficiently requires discipline and a mindset to take positive action. You will understand how to get your spending under control and gain a better understanding regarding your household finances. If you have children it is a good idea to teach them the value of money and saving for things they really want. This book will give you practical advice in teaching your children about money and give you the keys to a balanced financial life. Getting your finances and debt under control means you have to take responsibility. You can’t rely on someone else to do it for you. After all no one cares more about your money than you do. Credit bureaus are kind of a necessary evil. You have to deal with them so you might as well try to understand them. You will learn where to get your free credit report, how credit bureaus work, and what’s in your personal credit file. Credit is an area of your financial life that needs continuous updating and tweaking. One reason is for accuracy. You will gain an understanding of how inaccurate information gets reported and what to do about it. This book will give you information on contacting the credit bureaus and the credit laws. Reading and trying to understand the Fair Credit Reporting Act can be somewhat daunting for most but it would still be in your best financial interest to do so. You will learn how long negative items stay on your credit report and what you can do about it. You will also learn how credit inquiries can have a negative effect on your credit score and give you an understanding on what your credit score means. There isn’t anything that anybody else can do for you that you cannot do for yourself, you just need to know what and how, and to that end you will learn about the dangers of credit counseling and repair companies. There is practical advice on what you can do to improve your overall credit picture.