Item Display - The complete guide to personal finance : for teenagers and college students

The complete guide to personal finance : for teenagers and college students
Butler, Tamsen.

Publisher:	Atlantic Pub. Group,
Pub date:	2010.
Pages:	288 p. :
ISBN:	9781601382078
Item info:	1 copy available at Cazenovia Public Library.

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Cazenovia Public Library	Copies	Material	Location
YA 332.024 BUT	1	Paperback book	Available

Summary

Even though the yearly spending jumped $50 billion, two-thirds of teens and twenty-some-things are still concerned about their personal finance situation. And while teenagers yield immense spending power, many lack the financial knowledge necessary to manage their money wisely. Distributed by Syndetic Solutions, Inc.

Table of Contents

Foreword	p. 13
Introduction	p. 15
Chapter 1 Learning from the People Around You	p. 19
Your Parents	p. 20
How to ask for a peek	p. 24
Learning by example	p. 25
Other People	p. 26
Chapter 2 Spending and Saving	p. 33
Needs versus Wants	p. 34
Need versus wants questionnaire	p. 36
Why does it matter?	p. 36
They All Want Your Money	p. 43
Impulse buying	p. 45
Sure, you can spend	p. 48
Chapter 3 Stashing Your Cash	p. 55
Different Types of Bank Accounts	p. 56
Savings accounts	p. 56
Checking accounts	p. 60
Other types of accounts	p. 62
Putting Money into Your Savings or Checking Account	p. 65
Depositing money by mail	p. 65
Depositing money by ATM	p. 69
Depositing money by other means	p. 73
Where Should You Put Your Money?	p. 74
Develop your plan	p. 79
Picking a bank	p. 83
Online Banking	p. 85
Fees	p. 87
Chapter 4 Budgeting Basics	p. 93
What is a Budget?	p. 95
Create Your Budget	p. 102
Write it down!	p. 102
Track Your Spending	p. 111
Cash envelopes	p. 112
Spending logs	p. 117
Sample spending log	p. 120
Cards	p. 121
Checkbook Registers	p. 127
Deciding how to track your spending	p. 129
Chapter 5 Creditors and the Games They Play	p. 133
The Principles of Credit	p. 134
Common credit card fees include	p. 136
The Tactics	p. 139
Look out!	p. 139
Here, have something for free	p. 140
Here, let us help you	p. 142
Here, buy anything you want	p. 143
Here, become an adult	p. 148
Minimum payment: Bad news	p. 150
What if I don't pay?	p. 154
Chapter 6 Debt, Debt, and More Debt	p. 165
Good Debt and Bad Debt	p. 167
Good debt	p. 167
Bad debt	p. 168
Handle your debt	p. 172
The debt spiral	p. 181
Are you in trouble?	p. 182
Getting rid of debt	p. 186
Chapter 7 What Are You Saving For?	p. 189
How to Save	p. 190
Saving for things you want to buy	p. 190
Saving for college	p. 195
Student loans	p. 200
Saving for a rainy day	p. 204
Chapter 8 Getting Money	p. 209
Getting an Allowance	p. 211
Getting a Job	p. 215
Resources for Finding a Job	p. 220
Create Your Own Job	p. 222
Get rich quick?	p. 228
Chapter 9 Financial Responsibility	p. 231
Cosigners and Joint Accounts	p. 232
Parental access	p. 235
Chapter 10 Credit Reports	p. 237
What's Listed?	p. 238
Credit Scores	p. 239
Identity theft	p. 240
Chapter 11 Everything Else You Need to know	p. 247
Investing	p. 248
Taxes	p. 249
Insurance	p. 250
Chapter 12 On Your Own	p. 253
Making the Decision to Leave	p. 253
The Current State of the Economy	p. 256
Budgeting Worksheet	p. 258
Conclusion: Congratulations!	p. 261
Glossary of Terms	p. 263
Bibliography	p. 281
Author Biography	p. 283
Index	p. 285

Distributed by Syndetic Solutions, Inc.

Full View From Catalog

Leader:	am8a0c
key:	ocn224441463
Data source:	OCoLC
Date/time stamp:	20100317103019.0
Fixed field data:	080414s2010 flu d b 001 0 eng
LCCN:	2008014390
ISBN:	9781601382078 (alk. paper)
ISBN:	1601382073 (pbk. : alk. paper) : $21.95
Local system #:	(OCoLC)224441463
LC Call Number:	HG179 .B28195 2009
Dewey class number:	332.024 22
Local call number:	YA 332.024 BUT
Personal Author:	Butler, Tamsen.
Title:	The complete guide to personal finance : for teenagers and college students / by Tamsen Butler with foreword by Darlene Gudrie Butts.
Publication info:	Ocala, Fl. : Atlantic Pub. Group, 2010.
Physical descrip:	288 p. : ill. ; 23 cm.
Bibliography note:	Includes bibliographical references and index.
Contents:	How to make money -- Taxes -- Goals -- Saving for college -- Living on your own -- Budgets -- Developing your credit -- Financial institutions -- Checking accounts -- Credit scores -- Savings accounts -- Stock market -- Other investments -- Tracking your finances -- From my perspective.
Subject term:	Teenagers--Finance, Personal.
Subject term:	Finance, Personal.
Added author:	Butts, Darlene Gudrie.
HTTP:	http://www.loc.gov/catdir/toc/ecip0815/2008014390.html
Held by:	CAZENOVIA ZMYLS