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" As long as we have hope, we have direction, the energy to move and the map to move by, we have a hundred alternatives, a thousand paths, and an infinity of dreams.” Author Unknown

  • Chapter 1
    The Key to Getting Ahead
    • A Budget Helps You Get What You Want
    • Wants and Needs
    • Goals are the Foundation of Any Financial Plan
    • Simple Steps to Setting Your Goals

  • Chapter 2
    Developing a Budget to Get What You Want
    • Calculating Gross and Net Income
    • Fixed, Flexible, and Variable Expenses
    • Your Budget Form
    • Savings and the Time Value of Money

  • Chapter 3
    Financial Tools to Help You
    • Cash, Money Orders, Checks, and Debit Cards
    • Comparison Shopping and Coupon Clipping
    • Maintaining Accurate Financial Records

  • Chapter 4
    Credit Can Enhance Your Life
    • Types of Credit Available to You
    • Secured and Unsecured Loans
    • The Cost of Credit
    • What You Need to Know About Credit Cards

  • Chapter 5
    Your Credit Score—A Number to Know
    • Information on Your Credit Report
    • Getting a Copy of Your Credit Report
    • Disputing an Error on Your Credit Report
    • How Your Credit Score Affects You

  • Chapter 6
    What You Need to Know About Contracts
    • Signing a Lease
    • Rental Leases, Utilities, Cell Phones, and Furniture
    • Choosing the Right Insurance

  • Chapter 7
    Consumer Laws to Protect You
    • Resources for Help
    • Writing a Complaint
    • Seven Laws to Protect You

  • Chapter 8
    What to Do When Things Go Wrong
    • Warning Signs of Financial Trouble
    • Taking Action to Correct the Situation
    • Choosing and Working with a Credit Counselor


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