What They Don’t Teach You in School:

We spend most of our first eighteen years of our lives in school being taught such subject matter as writing, reading, math, history, and science. But our formal education leaves out much of what a young adult needs to know when leaving home and going out on their own.  One of the most important, if not the most important, educational gaps is a lack of financial literacy and understanding of budgeting and personal expense management.  We are never taught about all of the goods and services we will need to buy, and how to plan those purchases to keep from creating financial problems in the future.  The absence of this part of your education can create a stressful financial situation that can take years to fix.

Why You Would Need This Book:

  • If you have recently moved out on your own or are about to;
  • If you are struggling to understand where all your money goes;
  • If you realize that you cannot continue going down your current financial path;
  • If you know you need a budget but don’t know where to start, regardless of your age or income.

What You Will Learn:

Understanding Budgets

Without an honest look at what your current spending habits are and how they match up to your revenue sources, everything else will simply be a guess. Knowledge is the key to financial stability, and a well- planned budget is your roadmap to success.

Expense Management

“A penny saved is a penny earned” isn’t just a cute little phrase from your childhood, it’s also a fact. By analyzing your current expenses and being creative to come up with less expensive ways to pay for the goods and services you need to live, you will put more money in your pocket, just like getting a raise at work.

Increasing Your Income

If you aren’t making the money you want or need from your current job, you have options. Maybe it’s  finding additional income from your current employer; if not, maybe one of the hundreds of “side hustles” out there is what you need. With the internet, technology, and a little creativity, it’s never been a better time to earn additional money without having to find another traditional job.

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