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Living Well in a Down Economy For Dummies 2nd edition [Mīkstie vāki]

  • Formāts: Paperback / softback, 464 pages, height x width x depth: 213x140x36 mm, weight: 454 g
  • Izdošanas datums: 07-Feb-2023
  • Izdevniecība: For Dummies
  • ISBN-10: 1394159641
  • ISBN-13: 9781394159642
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  • Formāts: Paperback / softback, 464 pages, height x width x depth: 213x140x36 mm, weight: 454 g
  • Izdošanas datums: 07-Feb-2023
  • Izdevniecība: For Dummies
  • ISBN-10: 1394159641
  • ISBN-13: 9781394159642
Citas grāmatas par šo tēmu:

As the economic pendulum swings, it’s time to start living smart

Living Well in a Down Economy For Dummies offers ideas for keeping more money in your pocket during a topsy-turvy economy. With more than 100 tips, it shows you how to tighten your belt without feeling a big pinch in your day-to-day life. Discover innovative and effective ways to cut expenses and boost your income in today’s economy. It isn’t about making sacrifices. It’s about setting priorities. Gain the skills you need to take control of your spending, make smarter choices, and stop the financial drain that can accompany a downturn in the economy. Inside, you’ll find practical advice on how to live and thrive when prices creep up or your income falls. Get tips for spending less in all areas of life—utilities, groceries, pet care, entertainment, and beyond. And figure out how to slip in some self-care without breaking the bank. You can do this, thanks to this no-judgment For Dummies guide.

  • Reduce your expenses by cooking at home, doing your own car maintenance, cutting your own hair, and more
  • Discover creative ways to increase your income, interview for better-paying jobs, and continue to save for college or retirement
  • Save money on home maintenance, insurance, and other reoccurring costs
  • Minimize your tax bill, improve your credit, and avoid foreclosure

If you’re looking for practical tips on how to make ends meet that you can implement today, this For Dummies guide is for you.

Introduction 1(4)
PART 1 FACING OFF AGAINST A RECESSION
5(1)
#1 Determining Your Net Worth
6(9)
#2 Calculating Spendable Income
10(4)
#3 Calculating Required Expenses
14(3)
#4 Calculating Discretionary Spending
17(3)
#5 Tracking Expenses
20(2)
#6 Setting Spending Practices
22(5)
#7 Creating a Budget
27(3)
#8 Breathing Away Tension
30(2)
#9 Tensing Your Way to Relaxation
32(3)
#10 Stretching Away Your Stress
35(2)
#11 Practicing Habits of Effective Stress Managers
37(4)
PART 2 BUMPING UP YOUR BRING-HOME
41(2)
#12 Updating Your Resume
43(4)
#13 Choosing the Right Resume Format
47(2)
#14 Making Your Resume Stand Out
49(4)
#15 Preparing for a Job Interview
53(4)
#16 Standing Out during an Interview
57(3)
#17 Dealing with Video Interviews
60(2)
#18 Employing Post-Interview Tactics
62(2)
#19 Trying Quick Ways to Find Good Jobs
64(3)
#20 Looking into Federal Jobs
67(1)
#21 Checking Out Best Career-Changing Tips
68(2)
#22 Figuring Out Whether You Should Change Your Career Course
70(2)
#23 Telecommuting as an Alternative to Traditional Work
72(2)
#24 Persuading Your Organization to Let You Work from Home
74(2)
#25 Considering Self-Employment
76(2)
#26 Getting Acquainted with Home-Based Businesses
78(2)
#27 Setting Up Your Home-Based Business
80(8)
#28 Taking a Few Steps Before Leaving Your Job
88(2)
#29 Getting the Cash Flowing
90(2)
#30 Surveying Tax Deductions Available to Home-Based Businesses
92(2)
#31 Recognizing Often Overlooked Ways to Save on Your Taxes
94(2)
#32 Ensuring the Survival of Your Home-Based Business in Tough Times
96(4)
#33 Boosting Your Household Income with a Side Hustle
100(3)
PART 3 PUTTING YOUR PERSONAL FINANCES ON FIRM FOOTING
103(2)
#34 Categorizing Your Financial Records
105(2)
#35 Setting Up a Filing System for Your Financial Records
107(5)
#36 Finding an Insurance Agent
112(3)
#37 Having a Balanced Insurance Program
115(2)
#38 Deciding between Permanent and Term Life Insurance
117(2)
#39 Choosing a Permanent Life Insurance Policy
119(2)
#40 Selecting a Term Life Insurance Policy
121(2)
#41 Avoiding Life Insurance Mistakes
123(3)
#42 Saving Money on Your Homeowner's Policy
126(1)
#43 Looking into Umbrella Policies
127(1)
#44 Buying an Umbrella Policy Wisely
128(2)
#45 Reducing Risk and the Expense of Car Insurance
130(2)
#46 Getting the Right Car Insurance Coverage
132(2)
#47 Cutting the Cost of Your Car Insurance
134(2)
#48 Continuing Health Coverage When You Leave Your Job
136(2)
#49 Capping Out-of-Pocket Health Expenses
138(1)
#50 Saving on Individual Health Coverage
139(1)
#51 Using Health Savings Accounts
140(2)
#52 Tapping into Short-Term Health Insurance
142(1)
#53 Examining Health Insurance Options for the Self-Employed
143(2)
#54 Considering Long-Term Care Insurance
145(1)
#55 Seeing the Tax Benefits of a 401 (k) Plan
146(2)
#56 Knowing the Limits on 401 (k) Contributions
148(1)
#57 Reducing the Amount You Invest in a 401 (k)
149(1)
#58 Timing Investment Allocations to Match Employer Contributions
150(2)
#59 Protecting Your Retirement Goals with a 401 (k)
152(3)
#60 Withdrawing Money from Your 401 (k) with the Fewest Penalties
155(2)
#61 Borrowing from Your 401 (k)
157(3)
#62 Taking a Hardship Withdrawal
160(4)
#63 Rolling Over Your 401 (k) to Avoid Taxes
164(2)
#64 Leaving Money in Your Old Employer's Plan
166(2)
#65 Avoiding Lump-Sum Withdrawals
168(2)
#66 Taking Your 401 (k) Plan with You to Your New Job
170(2)
#67 Investigating Tax-Deferred Ways to Save for College
172(3)
#68 Considering Costs of Different Colleges
175(3)
#69 Working Part-Time and Summer Jobs
178(2)
#70 Applying for Financial Federal Aid
180(2)
#71 Squeezing Out Every Drop of Available College Money
182(3)
#72 Looking into Federal Assistance Programs
185(1)
#73 Using Federal Loans
186(2)
#74 Deferring or Discharging Student Loan Debt
188(1)
#75 Consolidating Your College Loans
189(1)
#76 Getting Tuition Discounts and Waivers
190(3)
#77 Finding College-Based Scholarships
193(1)
#78 Accessing State and Local Scholarships
194(1)
#79 Looking into Charitable Foundations for College Funds
195(2)
#80 Tapping Organizations for Scholarships
197(1)
#81 Accepting Work-Study Opportunities
198(1)
#82 Receiving College Funding in Exchange for Service
199(2)
#83 Searching Out Merit-Based Financial Aid
201(2)
#84 Negotiating Better Financial Aid
203(3)
#85 Carefully Considering Retirement Accounts for College Expenses
206(2)
#86 Knowing When to Refinance Your Mortgage
208(1)
#87 Calculating the Cost of Refinancing
209(4)
PART 4 LIVING A RECESSION-BUSTING LIFE
213(2)
#88 Developing Good Shopping Habits
215(2)
#89 Buying Store Brands and in Bulk
217(2)
#90 Seeing through the Gimmicks Grocery Stores Use
219(2)
#91 Using Coupons and Rebates
221(2)
#92 Targeting Seasonal Grocery Sales
223(2)
#93 Planning Your Meals Economically
225(4)
#94 Stretching One Meal into Two (Or More)
229(2)
#95 Finding Alternatives to Store-Bought Food
231(2)
#96 Saving on Baby Food
233(2)
#97 Cooking Up Money Savings
235(3)
#98 Canning and Preserving Your Food
238(3)
#99 Freezing Fruits and Vegetables
241(3)
#100 Trying Other Ways to Save in the Kitchen
244(2)
#101 Getting Toiletries on a Budget
246(2)
#102 Saving on Salon Expenses
248(1)
#103 Cutting Your Kids' Hair
249(2)
#104 Expanding Your Wardrobe
251(2)
#105 Getting Stains Out of Kids' Clothing
253(2)
#106 Reconstructing Your Clothes
255(2)
#107 Shopping for Secondhand Clothes
257(2)
#108 Utilizing Community Resources
259(1)
#109 Having Fun in Your Own Backyard and Beyond
260(2)
#110 Saving for a Family Vacation
262(1)
#111 Traveling on a Few Dollars a Day
263(3)
#112 Finding Transportation Bargains
266(4)
#113 Saving on Phone Bills
270(1)
#114 Staying Cool on the Cheap
271(2)
#115 Keeping Warm
273(2)
#116 Making Your Own Cleaning Solutions
275(3)
#117 Fixing Squeaky Floors
278(3)
#118 Extending the Life of Your Roof
281(1)
#119 Fixing Roof Leaks
282(2)
#120 Prolonging the Life of Your Siding
284(5)
#121 Using Less Energy
289(2)
#122 Keeping Your Fridge Running Well
291(4)
#123 Insulating to Save Energy Costs
295(3)
#124 Insulating Pipes
298(1)
#125 Insulating Heat Ducts
299(1)
#126 Stopping Air Leaks
300(2)
#127 Identifying and Fixing Plumbing Leaks
302(2)
#128 Improving Water Heater Efficiency
304(2)
#129 Helping Your Furnace Work More Efficiently
306(2)
#130 Saving on Your Vehicle Fuel Expenses
308(4)
#131 Adding Antifreeze
312(2)
#132 Checking and Changing Your Oil
314(5)
#133 Taking Care of Your Tires
319(4)
#134 Easily Making Other Automotive Checks and Fixes
323(3)
#135 Choosing an Automotive Service Facility
326(5)
#136 Finding and Evaluating a New Automotive Service
331(2)
PART 5 MAKING THE MOST OF HOLIDAYS AND OTHER SPECIAL EVENTS
333(2)
#137 Entertaining on a Shoestring
335(2)
#138 Throwing a Party on a Budget
337(2)
#139 Making Inexpensive Easter Baskets
339(1)
#140 Creating Frightfully Affordable Halloween Costumes
340(2)
#141 Celebrating a Budget-Friendly Thanksgiving
342(1)
#142 Trying Creative Hanukkah and Christmas Ideas
343(2)
#143 Hosting a Frugal Birthday Bash
345(2)
#144 Packing Up Treats on the Cheap
347(2)
#145 Finding Inexpensive Gifts for Your Sweetheart
349(2)
#146 Checking Out Frugal Gift Ideas for Any Occasion
351(2)
#147 Making Great Gift Baskets
353(2)
#148 Cutting Costs with a Birthday Box
355(1)
#149 Exploring Alternative Gift Ideas
356(2)
#150 Looking at Gifts for Bridal and Baby Showers
358(3)
PART 6 STAYING AFLOAT IF THE BOAT STARTS TO SINK
361(2)
#151 Spotting Signs of Financial Trouble
363(2)
#152 Avoiding Credit Pitfalls
365(2)
#153 Getting Copies of Your Credit Report and Scores
367(4)
#154 Checking Your Credit Report
371(3)
#155 Disputing Inaccurate Info on Your Credit Report
374(4)
#156 Adding Positive Info to Your Credit Report
378(2)
#157 Taking the First Steps to Dig Out of Credit Card Debt
380(2)
#158 Gauging Your Need for Help with Credit Situations
382(2)
#159 Taking Debt Situations into Your Own Hands
384(3)
#160 Working with a Credit Counseling Agency
387(3)
#161 Creating a Debt Management Plan
390(2)
#162 Talking to Creditors to Work Out a Solution
392(5)
#163 Negotiating a Payback Arrangement with Collectors
397(2)
#164 Avoiding Debt Settlement
399(1)
#165 Keeping Credit Under Control While Unemployed
400(4)
#166 Consolidating Debts
404(2)
#167 Taking Control When Foreclosure Looms
406(3)
#168 Drafting a Plan of Attack to Offset Foreclosure
409(3)
#169 Understanding Types of Bankruptcy
412(4)
#170 Avoiding Bankruptcy
416(3)
#171 Choosing Which Bills to Pay When You File for Bankruptcy
419(2)
#172 Negotiating with Creditors to Avoid Bankruptcy
421(2)
#173 Handling IRS Debts
423(2)
PART 7 THE PART OF TENS
425(2)
#174 Ten Ways to Trim the Money Tree
427(2)
#175 Ten Ways to Handle Financial Emergencies
429(2)
Index 431
This compilation features an expert team of For Dummies authors, including Ted Benna, Steve Bucci, Deana Sklar, Margaret Munro, Wendy Jo Peterson, Elizabeth Shaw, Christine Zink, Amelia Jeanroy, Jeryl Spear, Miranda Burns, Laura Smith, Tara Powers, Ralph Roberts, Yvonne Jeffrey, and others.