By Mercedes Bailey

ISBN-10: 0764585126

ISBN-13: 9780764585128

CliffsNotes: making a funds is the proper device for somebody trying to song up their funds or shop for the longer term. observe the right way to price range your funds very easily and learn about the numerous instruments on hand to aid. This booklet additionally covers on-line and net techniques plus an inventory of the simplest website resources.CliffsNotes: making a finances gains professional suggestion on picking out easy methods to tailor the cheap, tips to plan for a specific saving target, alternative ways to maintain that rate reductions account transforming into and extra. how you can set pursuits and bounds, keep watch over spending and locate professional support whilst necessary.Filled with directions and specialist pointers on beginning a private budget.Discover the way to use the cheap to manage costs and shop money.Features recommendation on making a mark downs plan that could develop with the longer term.

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Additional resources for Creating a Budget (Cliffs Notes)

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Chapter 3: Creating a Budget 31 Gratuities and delivery charges The more convenience services you use, the more you’ll pay in gratuities and delivery charges. Having meals or groceries delivered is convenient and may save you time, but in addition to paying for what you eat, you pay for delivery costs and a tip for the delivery person — neither of which you can have for dessert. Catalog shopping can save a lot of time, too, along with parking and car-use costs. An add-on cost, however, may be shipping charges (often unrecoverable if you return the item).

Her new home was a three-hour round-trip drive from her old home. m. So with seven no-cost workers, Mrs. m. deadline. In saving $45 (assuming that unskilled movers would make about $6 per hour), she “spent” about $126 (7 people x 3 hours = 21 hours x $6 per hour = $126) and had many expensive things stored in a garage without climate control. The two women — one 82 and the other 56 — had to move heavy furniture upstairs to get it into the house. Did Mrs. Brown “save”? ■ A spender has more problems to overcome than the obvious.

Knowing what and where they hide and how much they cost helps you cut them by avoiding the items to which they are attached. This section identifies these hidden costs. Chapter 5 shows you how to cut them. Bank, ATM, and credit card fees Hidden costs at banks, at ATMs, and on credit cards can quickly transfer your money from your pocket to an institution’s profit statement. Be careful of the following: ■ Annual fees ■ Below-minimum-use and below-minimum-balance fees ■ High interest rates ■ Late-payment penalties ■ Per-use fees Read all change-of-terms inserts that you receive from banks, credit unions, credit card companies, and the like.

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Creating a Budget (Cliffs Notes) by Mercedes Bailey

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