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Melanie Bien - Sorting Out Your Finances for Dummies

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Sorting Out Your Finances for Dummies: summary, description and annotation

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Being good with money is about getting into good habits and understanding the choices you make. Fully updated to cover the latest financial trends and developments, this book gives you the confidence to plot where your money goes, to know your limits, and to choose the right financial products for a wealthier future.

It will help you learn how to analyse your financial situation, isolate problem areas, properly structure your debt, investments and retirement plans, and adopt good money habits whatever your age or financial situation. Once youve sorted out your finances youll get much more pleasure from the money you spend and the money you save.

Discover how to:

  • Make your salary go further
  • Set financial goals and reach them
  • Get out of debt
  • Start an investment portfolio
  • Prepare for the unexpected
  • Melanie Bien: author's other books


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    Sorting Out Your Finances For Dummies 2nd Edition by Melanie Bien Sorting - photo 1
    Sorting Out Your Finances For Dummies, 2nd Edition

    by Melanie Bien

    Sorting Out Your Finances For Dummies 2nd Edition Published by John Wiley - photo 2

    Sorting Out Your Finances For Dummies, 2nd Edition

    Published by John Wiley & Sons, Ltd The Atrium Southern Gate Chichester West Sussex PO19 8SQ England

    E-mail (for orders and customer service enquires): cs-books@wiley.co.uk

    Visit our Home Page on www.wiley.com

    Copyright 2008 John Wiley & Sons, Ltd, Chichester, West Sussex, England

    Published by John Wiley & Sons, Ltd, Chichester, West Sussex

    All Rights Reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning or otherwise, except under the terms of the Copyright, Designs and Patents Act 1988 or under the terms of a licence issued by the Copyright Licensing Agency Ltd, 90 Tottenham Court Road, London, W1T 4LP, UK, without the permission in writing of the Publisher. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Ltd, The Atrium, Southern Gate, Chichester, West Sussex, PO19 8SQ, England, or emailed to permreq@wiley.co.uk, or faxed to (44) 1243 770620.

    Trademarks: Wiley, the Wiley Publishing logo, For Dummies, the Dummies Man logo, A Reference for the Rest of Us!, The Dummies Way, Dummies Daily, The Fun and Easy Way, Dummies.com and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and/or its affiliates in the United States and other countries, and may not be used without written permission. All other trademarks are the property of their respective owners. Wiley Publishing, Inc., is not associated with any product or vendor mentioned in this book.

    LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: The publisher, the author, AND ANYONE ELSE INVOLVED IN PREPARING THIS WORK make no representations or warranties with respect to the accuracy or completeness of the contents of this work and specifically disclaim all warranties, including without limitation warranties of fitness for a particular purpose. No warranty may be created or extended by sales or promotional materials. The advice and strategies contained herein may not be suitable for every situation. This work is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional services. If professional assistance is required, the services of a competent professional person should be sought. Neither the publisher nor the author shall be liable for damages arising herefrom. The fact that an organization or Website is referred to in this work as a citation and/or a potential source of further information does not mean that the author or the publisher endorses the information the organization or Website may provide or recommendations it may make. Further, readers should be aware that Internet Websites listed in this work may have changed or disappeared between when this work was written and when it is read.

    For general information on our other products and services, please contact our Customer Care Department within the U.S. at 800-762-2974, outside the U.S. at 317-572-3993, or fax 317-572-4002.

    For technical support, please visit www.wiley.com/techsupport.

    Wiley also publishes its books in a variety of electronic formats. Some content that appears in print may not be available in electronic books.

    British Library Cataloguing in Publication Data: A catalogue record for this book is available from the British Library

    ISBN: 978-0-470-69515-9

    Printed and bound in Great Britain by Bell & Bain Ltd, Glasgow

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    About the Author

    Melanie Bien is director (head of media relations) at Savills Private Finance, the independent mortgage broker. She was personal finance editor of the Independent on Sunday for five years and writes freelance property features for national newspapers, magazines, and websites. She has written several books and pamphlets to accompany television programmes on property makeovers and design, and on buying, renovating, and selling property.

    Her other books include Buying a Home On a Budget For Dummies, Buying and Selling Property For Dummies, and Renting Out Your Property For Dummies. She lives in North London with her husband.

    Dedication

    To my husband, brother and parents, for all your support, enthusiasm, and endless encouragement.

    Authors Acknowledgements

    I would like to thank Jason Dunne at John Wiley & Sons for having the faith in me to write yet another book for the company! I also acknowledge a depth of gratitude to Rachael Chilvers, my editor, and Kathleen Dobie, my development editor, for their help, direction, feedback, and constructive criticism during the process. Also, many thanks to Sam Spickernell for dealing with my queries patiently and quickly, and to everyone who works behind the scenes at Wiley for their efforts in making this book possible.

    Thanks also to my family for their untiring support and encouragement.

    Publishers Acknowledgements

    Were proud of this book; please send us your comments through our Dummies online registration form located at www.dummies.com/register/.

    Some of the people who helped bring this book to market include the following:

    Acquisitions, Editorial, and Media Development

    Project Editor: Steve Edwards

    (Previous Edition: Rachael Chilvers and Kathleen Dobie)

    Content Editor: Nicole Burnett

    Commissioning Editor: Wejdan Ismail

    Proofreader: Helen Heyes

    Publisher: Jason Dunne

    Executive Editor: Samantha Spickernell

    Executive Project Editor: Daniel Mersey

    Cover Photos: Thinkstock/Corbis

    Cartoons: Ed McLachlan

    Composition Services

    Project Coordinator: Erin Smith

    Layout and Graphics: Reuben W. Davis, Alissa D. Ellet, Melissa K. Jester, Ronald Terry, Christine Williams

    Proofreader: Caitie Kelly

    Indexer: Estalita Slivoskey

    Introduction

    W elcome to the second edition of Sorting Out Your Finances For Dummies. If youre struggling to clear your debts and build up your savings and investments for the future, you need some sensible tips to help you realise your goals. This book provides all the help you need to enable you to get your debt under control and start saving for the future.

    About This Book

    Although these pages are overflowing with useful advice and information, I present it in a light, easy-to-access format. This book helps you decide where your priorities lie when it comes to your finances. I cover debt and how to clear it, and give tips on finding the best savings account so that when youve got some cash you can ensure it works as hard as possible for you. I offer some hints on picking the best investments for building up a nest egg or for a specific outlay, such as buying a car or paying for a holiday. Just as important, this book helps you maintain your sense of humour as well as your sanity as you deal with financial challenges.

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