Download 10 Ways to Stay Broke...Forever: Why Be Rich When You Can by Laura J. McDonald, Susan L. Misner PDF

By Laura J. McDonald, Susan L. Misner

From the founders of GoldenGirlFinance.ca comes a brand new booklet on tips on how to get your monetary apartment so as and luxuriate in the liberty and happiness that includes a safe monetary destiny. In 10 how you can remain Broke. . . endlessly, you'll study why targeting residing good now's in general a route to poverty later. you could have a brand new motor vehicle, a gorgeous apartment, and a dresser to die for, yet you're shortchanging your self in case you haven't begun saving and making an investment for retirement.

In 10 how you can remain Broke . . . eternally, own finance experts Laura McDonald and Susan Misner allow you to commence making plans for the next day to come at the present time. With basic tips and instantly discuss funds, they clarify the issues ladies do to stick broke and what you'll want to do instead.

From the founders of GoldenGirlFinance.ca, the prime own finance web site for Canadian women
Written in an interesting, having access to, and conversational kind that takes the terror out of the complicated global of finance
Features functional, actionable suggestion for taking regulate of your own funds with real-life examples and convenient tools
Having funds on your pocket is a brilliant feeling. yet there's not more striking feeling than monetary safeguard. Having cash within the financial institution capability having energy, chance, and opportunity—and not anything feels greater than that!

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Extra info for 10 Ways to Stay Broke...Forever: Why Be Rich When You Can Have This Much Fun

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We don’t love credit card cash advances. When you withdraw a cash advance from your credit card, you are charged interest from that moment until the day you repay the entire amount. There is no grace period as there is with purchases. Sometimes the rate on cash advances is even higher than it is for purchases, so check the fine print. We don’t love overdraft protection. Like the kind of “protection” you see in gangster movies, overdrafts on your chequing account come at a very high price. First there is the monthly fee you pay for the potential of using it—often around $5 each month.

Put simply, this formula compares how much money you’ve got coming in with how much you’ve got going out every month. From the list of liabilities in your net worth calculation, write down how much each of these debts costs you on a monthly basis. indd 19 21/02/13 11:51 AM 20 10 Ways to Stay Broke . . Forever pay on your mortgage or rent each month and your annual tax bill divided by twelve. Now add up your gross monthly household income. Start with your gross monthly salary (before deductions) and add your spouse’s gross monthly salary.

A licensed trustee administers the bankruptcy proceedings on your behalf. You make monthly payments, submit to credit counselling and you may lose some of your assets. Once the process is completed, however, you have a clean slate, though it may be difficult for you to obtain new credit right away. Of course, we have only touched on the highlights of these solutions. All of them have ramifications with respect to your credit report. If your debt situation has become more than you can handle on your own and you think you could benefit from one of these solutions, then please get in touch with one of the many creditcounselling agencies in Canada as a first step.

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