Author: Chris Budd
Publisher: Concise Advice
ISBN: 9781910649527
Category : Finance, Personal
Languages : en
Pages : 128
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Book Description
One of the biggest enemies of our general wellbeing is stress; and one of the biggest causes of stress is concern about money. This book provides a simple and practical guide to planning your daily and long-term finances by understanding your objectives and motivations. In doing so, it offers respite from the anxiety and stress caused by money problems. The author, an experienced financial adviser, argues that the key to financial wellbeing is to "know thyself" in order to allow decisions to be made, and to ensure those decisions are the rights one's for you. This is underpinned by having control of your daily finances, the ability to cope with a financial shock, to be able to have options in life, to have identifiable goals and a clear path to achieve them, and to ensure clarity and security for those we leave behind. LID Publishing's popular Concise Advice Lab notebooks are designed to be quick and comprehensive brainstorming tools for busy professionals. The small trim size makes it easy to take along in a briefcase or purse. Interior pages are matte finish, so ink won't smear, and there's plenty of space to jot notes. A ribbon makes it easy to mark your place, and the elastic outer band keeps the notebook closed.
Author: Clare Seal
Publisher: Hachette UK
ISBN: 1472289226
Category : Business & Economics
Languages : en
Pages : 272
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Book Description
'Sound and caring, this is a book we all need to read' Stylist It's impossible to talk about wellbeing without addressing our financial wellbeing. While it may be true that money can't buy you happiness, you will struggle to find balance and contentment in all other areas of your life when you aren't in control of your finances. In Five Steps to Financial Wellbeing, Clare Seal walks you through five straightforward, achievable steps to take to change your relationship with money for good, and in doing so, change the rest of your life for the better. This book also addresses the deeper fundamentals of a healthy relationship with money, from building self-worth to tackling consumerism. Five Steps to Financial Wellbeing is a toolkit to help readers of all ages and life stages establish a healthy, positive relationship with money, avoid problem debt, save and invest for the future and above all, take control of your finances instead of letting your finances control you.
Author: Chris Budd
Publisher: Concise Advice
ISBN: 9781910649527
Category : Finance, Personal
Languages : en
Pages : 128
View
Book Description
One of the biggest enemies of our general wellbeing is stress; and one of the biggest causes of stress is concern about money. This book provides a simple and practical guide to planning your daily and long-term finances by understanding your objectives and motivations. In doing so, it offers respite from the anxiety and stress caused by money problems. The author, an experienced financial adviser, argues that the key to financial wellbeing is to "know thyself" in order to allow decisions to be made, and to ensure those decisions are the rights one's for you. This is underpinned by having control of your daily finances, the ability to cope with a financial shock, to be able to have options in life, to have identifiable goals and a clear path to achieve them, and to ensure clarity and security for those we leave behind. LID Publishing's popular Concise Advice Lab notebooks are designed to be quick and comprehensive brainstorming tools for busy professionals. The small trim size makes it easy to take along in a briefcase or purse. Interior pages are matte finish, so ink won't smear, and there's plenty of space to jot notes. A ribbon makes it easy to mark your place, and the elastic outer band keeps the notebook closed.
Author: Darek Klonowski
Publisher: Cambridge Scholars Publishing
ISBN: 1527578372
Category : Political Science
Languages : en
Pages : 345
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Book Description
International evidence points to a widespread decline in the economic standard of living for the family. This trend is reinforced by a number of underlying tendencies, including stagnating wages, the rise of unemployment, weak labor participation, poor housing affordability, limited saving, and skyrocketing personal debt. These realities are also affecting young adults, who, in a historically unprecedented trend, are likely to be worse off than their parents. This book identifies the reason for these trends, and argues that the answer lies in the context of five key deformations that affect the family. Firstly, the family is negatively influenced by liberalism. While one form of liberalism infects society through economic means, the other affects society through civil means. Secondly, liberal economic ideologies and theories have proved to be destructive to the family. Thirdly, the book challenges the notion that political shifts are beneficial to the family’s economic wellbeing. Fourthly, the pursuit of materialistic possessions, money, and wealth, which are supposed to bring the family joy, instead sow the seeds of familial destruction. Lastly, debt is proven to be the silent assassin of human happiness, marital and familial relations, and physical and mental health.
Author: Nurul Shahnaz Ahmad Mahdzan
Publisher: Routledge
ISBN: 0429623399
Category : Business & Economics
Languages : en
Pages : 154
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Book Description
This book examines four aspects of Malaysian consumers’ financial vulnerabilities. First, it discusses the issue of over-indebtedness due to excessive reliance on consumer financing. Second, the book investigates why Malaysians are ill-prepared for their golden years in terms of retirement planning and savings. Third, it delves into the problem of financial fraud victimisation among Malaysian consumers. Fourth, the book analyses the reasons why Malaysians are underinsured despite the distinct benefits of life insurance. Drawing on secondary data from government agencies such as Bank Negara Malaysia, Employees' Provident Fund, Royal Malaysian Police and the Department of Statistics Malaysia, each chapter presents statistical trends reflecting the four financial vulnerabilities. In-depth analyses of the literature reveal three broad psychological domains (cognition, motivation, and disposition) and specific psychological factors (e.g. over-confidence, self-control, social norms, and financial literacy) that significantly influence consumers’ financial decisions. The four financial vulnerabilities investigated in this book directly address the strategic outcomes of the Malaysian National Strategy for Financial Literacy 2019–2023 (MNSFL), a five-year plan to elevate the financial literacy of Malaysians. Finally, the book presents strategic recommendations that are believed to be useful guidelines for relevant policymakers to promote positive financial behaviours and rational attitudes among consumers. It will be a useful resource for policymakers and researchers interested in economic psychology and behavioural finance.
Author: Nancy Morrow-Howell
Publisher: Oxford University Press
ISBN: 0199374325
Category : Social Science
Languages : en
Pages : 256
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Book Description
With today's availability of Social Security and Medicare, we typically think of the older years as a stage in life where people are supported financially. However, of the more than 40 million old adults currently living in the US, many are struggling financially living below or near the poverty line. They are lacking the assets necessary to see them through a period of life that is often longer than expected and that requires more health and long-term care. While financial vulnerability can be most pronounced in old age, it is often created across decades, revealing itself in later years when there is little opportunity to reverse a lifetime of disadvantage. The concept of Financial Capability refers to both an individual and structural idea that combines a person's ability to act with their opportunity to act in their best financial interests. In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security. The volume assembles the latest evidence on financial capability and assets among older adults using a life course perspective, arguing that older adults need financial knowledge and financial services in order to build secure lives, and that this process needs to begin before it is too late to make effective changes and choices. Broken into three parts, the book's chapters - written by leading experts in the field - blend together empirical findings, economic and social theory, and case studies. Part 1 opens the book with a conceptual and empirical overview of financial capability and assets among older adults using a life course perspective. Part 2 presents chapters addressing financial vulnerability of diverse racial and ethnic groups, people with disabilities, and immigrants. Part 3 includes chapters describing current policies, programs, and innovations, including a review of important issues of working and caregiving in later life, and a detailed assessment of "age-friendly" banking principles, banking products, services, and policies.
Author: Nathalie Spencer
Publisher: White Lion Publishing
ISBN: 1781317577
Category : Business & Economics
Languages : en
Pages : 163
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Book Description
Using a unique, visual approach, Nathalie Spencer uncovers the science behind how we think about, use and manage money to guide you to a wiser and more enjoyable relationship with your finances. From examining how cashless transactions affect our spending and decoding the principles of why a bargain draws you in, through to exposing what it really means to be an effective forecaster, Good Money reveals how you can be motivated to be better with money and provides you with essential tools to boost your financial well-being. At BUILD+BECOME we believe in building knowledge that helps you navigate your world. Our books help you make sense of the changing world around you by taking you from concept to real-life application through 20 accessible lessons designed to make you think. Create your library of knowledge. Find out about other BUILD+BECOME titles at the BUILD+BECOME Amazon store, and follow us at buildbecome.com @buildbecome
Author: Jing Jian Xiao
Publisher: Springer
ISBN: 3319288873
Category : Psychology
Languages : en
Pages : 376
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Book Description
This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Author: Jason Butler
Publisher: Createspace Independent Publishing Platform
ISBN: 9781979914208
Category :
Languages : en
Pages : 194
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Book Description
Whether it's affording the basics in life, feeling more in control of your money, or balancing today's spending needs with those in later life, many of us struggle to manage our finances as well as we would wish. Through numerous real life stories, anecdotes and proven techniques, Jason Butler shows how your spending, working and saving decisions affect your overall financial well-being, and what habits, behaviours and attitudes you need to adopt to improve it. . How a simple change of mindset can improve how you feel about money . Why you might be much richer than you think . Learn when not to go shopping and what to avoid buying . How to spend your way to happiness and fulfilment without blowing your budget . Why looking at your older self can dramatically increase how much you save . Learn how to make your money work hard for you with minimal effort or cost . Understand what you need to do to avoid a financial shock paralysing your life Whatever your age, education, income or wealth, Money Moments will give you the insights, understanding, inspiration and confidence you need to improve your financial well-being and get the most out of life.
Author: Christine Sahadeo
Publisher: Springer
ISBN: 3319770756
Category : Business & Economics
Languages : en
Pages : 254
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Book Description
Since the financial crisis, everyone is more aware of the need to be financially literate. This book covers a wide range of topics and assures the reader that understanding of one’s money script and more particularly making changes (if necessary) would result in more effective and responsible managing and handling of one’s financial affairs. It is a misnomer that graduates of tertiary education are financially literate or are qualified to make financial decisions. In fact, they are particularly vulnerable in making poor financial decisions as many students do not undertake courses in financial education and they therefore have limited financial knowledge. Training in financial literacy through university-based financial education programs is one method of addressing personal finances and financial stress among students. This book presents the key components of financial education designed to address the growing concerns associated with high levels of debt, abuse of credit cards, home ownership, savings and investments, risk management, and retirement. The chapters on entrepreneurship and business planning provide a roadmap for successful new ventures. The book is an excellent resource for students, those interested in developing or enhancing their understanding of money matters and financial wellbeing, and trainers involved in financial education, counseling, and planning.
Author: Pete Matthew
Publisher: Harriman House Limited
ISBN: 0857196529
Category : Business & Economics
Languages : en
Pages : 224
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Book Description
In The Meaningful Money Handbook, personal finance expert and podcaster extraordinaire Pete Matthew guides you through everything you need to KNOW and everything you need to DO to build a secure financial future for yourself and your family. This is achievable for everyone by following three simple steps: 1. Spend less than you earn and clear debt. 2. Insure against disaster. 3. Build up your savings and invest wisely. You will learn: • How to get out of debt as quickly as possible. • Techniques for good financial control, so you can avoid getting into debt again. • The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster. • How to save and invest simply and efficiently so that you can work your way towards future financial freedom. No matter your starting position, or your existing level of comfort with dealing with your money, Pete Matthew’s calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path. The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life. Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money today.