Owning Your Financial Future
Do you want to be happier? Do you want to make better financial decision? Do you want to be financially literate? If so, you can take a very important step. Purchase How to Budget, Save, Spend and Invest today!
Are you making the right decisions to help those dreams come true?
People of all ages need a financial education. Whether you are a member of generation X, generation Y, or a baby boomer,
How to Budget, Save, Spend and Invest will help improve your financial literacy.
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Do You Want:
- Guidance on how to create a budget, metrics which can be used to guide your spending, ideas to help you reduce your spending, tools that can help you develop your budget, tips for helping you stay on track and the attitude necessary to be successful?
- Insight into the pros and cons of buying on credit, types of payment cards, how credit cards work, how to shop for the best credit card for you, what’s in your credit report, how your credit score is determined and how to improve it?
- Understandable explanations of investment terms and concepts, factors to consider before investing and how to create and manage your portfolio?
There are always more money matters to learn but the topics in this e-book will give you a foundation to build upon.
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Financial literacy refers to individuals making informed judgments and effective decisions about managing their money. Financial illiteracy is a huge problem in the United States, affecting both individuals and businesses. A 2013 FINRA Investor Education Foundation Survey of approximately 25,000 adults found that 56% of adults do not have three months’ worth of expenses saved up in case of an emergency; 34% make only the minimum credit card payment; and 61% could only answer three or fewer questions on a five-question quiz about financial literacy.
A 2015 survey indicated that 71% of people believe they are financially literate, and only 29% believe they are not. However, the financial literacy test tells us that the number of people who are not financially literate is much higher than 29%. This highlights the fact that people are not aware of their degree of financial literacy. In fact, people tend to overestimate their level of financial knowledge.
If you want to be more financially literate, make better financial decisions, and be happier, How to Budget, Save, Spend and Invest is for you!