*** REVISED AND UPDATED EDITION *** "This book is a wise investment" Financial Times "A marvellous money manifesto" Helena Morrissey DBE, financier & founder of 30% club One out of three millennials today will never be able to buy their own house. Does it have to be like this? You're Not Broke You're Pre-Rich will tell you that it really doesn't; you can have your avocado on toast and stop renting and start saving too. In this book you will learn how to : Rent smart Buy a home Get a better salary Manage a credit card Understand your net worth / credit score Save more money Live within your budget Build a pension Invest Pay off your debt forever This essential handbook will help debunk the financial jargon and break the money taboo. Packed with actionable tips and no-nonsense practical advice, You're Not Broke You're Pre-Rich will teach you how to make your savings work for you, how you could invest your money, why you need to understand your pension and why your financial health is just as important as your mental and physical health. This updated and market-leading manual will be your comprehensive guide to financial freedom, giving you the confidence and conviction to regain control of your bank balance and live a happier, richer life.
If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life. You’re Not Broke, You’re Pre-Rich will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). It is the best class you never attended ... in a book!
"If you are a millennial who is trying to figure out how money works, this book is for you. With simple, relatable and sometimes amusing stories about how to manage money on a day-to-day basis, you will learn how to change your mindset about money, get out of debt and stay debt-free, invest your money and, ultimately, live your best life. You’re Not Broke, You’re Pre-Rich will help you, the young professional, to think differently about money, while covering pertinent topics like black tax, savings, budgeting, emergency funds and financial scams, as well as estate and retirement planning (and why you should care right now!). It is the best class you never attended... in a book!."--Back cover.
Are you your own boss? No idea where to turn for help? This is the guide for you. The 9-5 isn't the only way to make a living. More and more of us are becoming freelancers, side-hustlers or creative entrepreneurs, drawn to flexible working, a better work-life balance and a greater sense of self-worth - all on our own terms. But once you've decided to strike out on your own, the reality dawns on you: where can you turn for help? How do you deal with a knotty client problem alone? What does "payments on account" even mean? These uncertainties left Anna Codrea-Rado feeling overwhelmed and alone when she first started out. But now, having documented the hard-won lessons and mistakes made along the way in her popular newsletter LANCE, she knows what makes up a successful freelance career. Based on these personal experiences, her candid advice has already helped thousands of people - florists, accountants and journalists alike - develop the skills, knowledge and confidence needed to thrive. And now you can too. From finding clients and setting rates, to saving for taxes and dealing with insecurities, You're the Business will help you build a long-lasting career you love. Packed with everyday examples and transformative insights, this book will remind you that although you're now going it alone, you don't have to be alone.
'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.
The continued threat to Social Security income makes longevity planning critical for a lifetime of financial security. How Not to Go Broke at 102! examines the challenges of financial longevity and provides readers with guidelines for making the right financial choices that will provide the security to support a long and active life. This book looks at the reality behind long-term care for boomers and their aging parents, discusses methods to maximize life-long income, create intergenerational planning, manage housing and healthcare costs, choose meaningful work, and access newly instituted government programs to live without compromise in the exciting decades ahead.