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Over the past thirty years, consumer spending grew substantially. This resulted in the doubling of household debt from 84% of disposable income to 165%; and decrease in personal savings rate from 11% to 1%.
It is time to change your relationship with money, and make a personal commitment to not overspend and over-indulge. It’s easier than you think. By trimming back small and mindless purchases, you can potentially save yourself thousands of dollars a year. The secret is to trim back just $5.00 a day.
This new habit will help you save over $1,800 a year! Not a hard resolution to keep. Read more for other saving tips for bad money habits.
Personal Budgeting Kit (2nd edition)
ISBN 1-55180-654-1 |
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Do you find yourself living from paycheck to paycheck? Do you wonder why you make a good living and yet have no money left at the end of the month? Do you feel helpless when you try to think about planning for your financial future? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan?
If the answer is yes to any or all of these questions, this kit is for you. It’s a step-by-step guide to help you organize your finances and stay on track financially for the rest of your life.
The national best seller, formerly titled Personal Budgeting Kit is now in a convenient 6" x 9" format. All worksheets, forms, and checklists are included on a CD-ROM for use on a Windows-based PC. This allows you to print out as many copies as needed.
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Did you know that according to statistics, the rate of inflation is different for retiree households than it is for all other households? This is because there are different rates of inflation on various consumables. Retirees spending patterns are also different. They are likely to spend proportionately more on travel, reading materials, utilities and cable subscriptions; and less on alcohol, entertainment and clothing as compared to all other households.
Based on recent studies, most retirees need only 60% of their pre-retirement level of income to adequately maintain their existing lifestyle. Exception would be for low income retirees who will need a higher % of their pre-retirement level income to get by. But most retirees can realistically adjust their % based on their individual circumstances.
Finances After 55
ISBN 1-55180-582-0
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Make the Transition from Earning a Living to Retirement Living: "Finances After 55" is a book for people who are already retired or who will be retiring in the next decade.
This is not a 'retire rich, stay rich' book. It's a pre-retirement and in-retirement guide that shows readers how to take what they already have saved and manage their money and assets to live a full and successful retired life.
Finances After 55 provides you with all the help, advice, and information you will need to plan for a successful retirement."
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