Your Money: The Missing Manual

J.D. Roth

Published by O'Reilly Media, 2010
ISBN 10: 0596809409 / ISBN 13: 9780596809409
Used / Paperback / Quantity Available: 0
Available From More Booksellers
View all  copies of this book

About the Book

We're sorry; this specific copy is no longer available. AbeBooks has millions of books. We've listed similar copies below.

Description:

We ship International with Tracking Number! May not contain Access Codes or Supplements. Buy with confidence, excellent customer service! L. Bookseller Inventory #

About this title:

Book ratings provided by Goodreads:
3.77 avg rating
(424 ratings)

Synopsis: Keeping your financial house in order is more important than ever. But how do you deal with expenses, debt, taxes, and retirement without getting overwhelmed? This book points the way. It's filled with the kind of practical guidance and sound insights that makes J.D. Roth's GetRichSlowly.org a critically acclaimed source of personal-finance advice.

You won't find any get-rich-quick schemes here, just sensible advice for getting the most from your money. Even if you have perfect credit and no debt, you'll learn ways to make your rosy financial situation even better.

  • Get the info you need to make sensible decisions on saving, spending, and investing
  • Learn the best ways to set and achieve financial goals
  • Set up a realistic budget framework and learn how to track expenses
  • Discover proven methods to help you eliminate debt
  • Understand how to use credit wisely
  • Win big by making smart decisions on your home and other big-ticket items
  • Learn how to get the most from your investments by avoiding rash decisions
  • Decide how -- and how much -- to save for retirement

Practical Tips for Saving Money from J.D. Roth

1. Saving is mental ... and easier if you avoid advertising

One of the best ways to win the mental battle to save is to reduce your exposure to advertising. Fight this by ignoring ads, or by learning to question their premises.

2. Customize your saving (or, how to create your own Wii account)

Each of us is different. We have different goals, we have different skills, and we have different mindsets.

Don't think of saving as a chore. Think of it as the golden ticket to getting the things you really want. I set up what I call "targeted savings accounts" at my bank, and I use these to save for my goals. When I wanted a Nintendo Wii, I opened a separate savings account at my credit union and I called it "Nintendo account." The teller laughed at me, but she understood what I was doing. It helped me save.

Each person needs to find a savings technique that matches her goals and abilities. If one method doesn't work, try another. Keep looking until you find a technique that works for you.

3. Starter goals: vacations, cars and retirement

A great way to develop the savings habit is to save for a vacation. We all love to take trips, right? Save for a fishing trip to Alaska. Save for a cruise to Belize. Save for a three-week tour of Paris. Whatever strikes your fancy. And once you've developed the saving habit, apply it to more practical things.

Another great goal is to save for a car. Too many people allow themselves to be trapped by a lifetime of car payments. It doesn't have to be that way. Develop a system that allows you to pay cash whenever you go shopping for a new vehicle. Earn interest on your car money instead of paying interest to somebody else.

And, of course, you should begin saving for retirement as soon as possible. This can be tough to do, especially if you're young. You think you've got decades to go, so why start today? You could use that money for a ski trip or a new iPad. But the sooner you start, the more time the extraordinary power of compounding has to help your money grow. If you don't think you can afford to (or want to) set aside 10 percent (or 25 percent, like my wife), then start small. Start with 5 percent. Or even 1 percent. Develop the habit and increase your saving with time.

4. Limit your long-term goals and keep track of short-term tasks

I only set a handful of long-term goals at a time. In fact, this year I only have one long-term goal. If we set too many goals, we spread our attention, and we're less likely to accomplish any of them. But if we concentrate on just a handful of things at once, we're more likely to do what we dream.

But while I don't have many long-term goals, I have a bunch of stuff I want to accomplish in the short term. To stay focused on these tasks, I use a simple but brilliant system I learned from Erica at erica.biz. I start on the first page of a spiral notebook. I make a brain dump of everything I have to do. Then I put the date at the top of the page. I refer to this list many times throughout the day, crossing things off the list as I go. If something else comes up that needs to be done, I add it to the bottom of the list. Every evening, I copy the list onto a new page and put the next day's date. This system works like a charm for me, not just for financial tasks, but for all tasks.

5. Memberships/subscriptions you can cancel

It can be difficult to give up things that we might consider "vices." For you, that might be the daily latte. For me, it's always been comic books. (Sad, but true.) These are constant money drains, but they also bring joy to our lives. Instead of giving these things up, I encourage folks to find ways to reduce them, or to save on them.

But to really save money, look for ways to reduce recurring monthly expenses. These are constant drags to your budget, and if you can reduce them, it's a great way to improve your cash flow. Some examples:

Cancel your cable television and start watching shows online at Hulu.com or similar services. Or, if that's too extreme, cut back from your deluxe digital package to bare minimum basic. I did this and saved over $600 a year.
Cancel your magazine and newspaper subscriptions. Yes, I know these industries are hurting, but so is your own budget.
Cancel your gym membership. Find cheap ways to exercise at home, including biking and running and yard work. Bodyweight exercises (like pushups and situps) are free and effective.
Cancel other monthly memberships. I used to pay $15/month to play an online videogame. Not only was this sucking my time away, but it was costing me $180 a year. I know that's not a lot, but when put together with other expenses, it can add up.
Cancel your cell phone contract and move to pay-as-you-go. In other countries, prepaid cell contracts are the norm. But for some reason, in the U.S., they're the exception, not the rule. As a result, folks end up paying through the nose, either because they have more service than they need, or because they don't have enough. With a prepaid plan, you only pay for what you need.

About the Author:

J.D. Roth is an accidental personal-finance expert--a regular guy who found himself deep in debt. After deciding to turn his life around, he read everything he could about money and finance. In 2006, he started the award-winning website Get Rich Slowly, which Money Magazine named the Web's most inspiring personal-finance blog. Over the past four years, Get Rich Slowly has grown into an active community where thousands of readers a month share ideas on how to improve their financial lives. J.D. lives with his wife and four cats in a hundred-year-old house in Portland, Oregon.

"About this title" may belong to another edition of this title.

Bibliographic Details

Title: Your Money: The Missing Manual
Publisher: O'Reilly Media
Publication Date: 2010
Binding: Paperback
Book Condition: Used: Good

Top Search Results from the AbeBooks Marketplace

1.

Roth, J.D.
Published by O'Reilly Media
ISBN 10: 0596809409 ISBN 13: 9780596809409
Used PAPERBACK Quantity Available: 1
Seller
glenthebookseller
(Montgomery, IL, U.S.A.)
Rating
[?]

Book Description O'Reilly Media. PAPERBACK. Book Condition: Good. 0596809409 Item in good condition. Textbooks may not include supplemental items i.e. CDs, access codes etc. Bookseller Inventory # Z0596809409Z3

More Information About This Seller | Ask Bookseller a Question

Buy Used
US$ 6.48
Convert Currency

Add to Basket

Shipping: US$ 3.00
Within U.S.A.
Destination, Rates & Speeds

2.

Roth, J.D.
Published by O'Reilly Media March 18, 2010 (2010)
ISBN 10: 0596809409 ISBN 13: 9780596809409
Used PAPERBACK Quantity Available: 1
Seller
The Book Cellar, LLC
(Nashua, NH, U.S.A.)
Rating
[?]

Book Description O'Reilly Media March 18, 2010, 2010. PAPERBACK. Book Condition: Very Good. 0596809409 Has moderate shelf and/or corner wear. Great used condition. Over 1,000,000 satisfied customers since 1997! We ship daily M-F. Choose expedited shipping (if available) for much faster delivery. Delivery confirmation on all US orders. Bookseller Inventory # Z0596809409Z2

More Information About This Seller | Ask Bookseller a Question

Buy Used
US$ 7.99
Convert Currency

Add to Basket

Shipping: US$ 4.00
Within U.S.A.
Destination, Rates & Speeds

3.

J. D. Roth
ISBN 10: 0596809409 ISBN 13: 9780596809409
Used Quantity Available: 1
Seller
Castle Rock
(Pittsford, NY, U.S.A.)
Rating
[?]

Book Description Book Condition: Acceptable. Book Condition: Acceptable. Bookseller Inventory # 97805968094095.0

More Information About This Seller | Ask Bookseller a Question

Buy Used
US$ 9.64
Convert Currency

Add to Basket

Shipping: US$ 3.99
Within U.S.A.
Destination, Rates & Speeds

4.

J.D. Roth
Published by O Reilly Media, Inc, USA, United States (2010)
ISBN 10: 0596809409 ISBN 13: 9780596809409
New Paperback Quantity Available: 1
Seller
The Book Depository US
(London, United Kingdom)
Rating
[?]

Book Description O Reilly Media, Inc, USA, United States, 2010. Paperback. Book Condition: New. Language: English . Brand New Book. With the recent global economic meltdown, keeping your financial house in order is more important than ever. But tackling your finances can seem overwhelming. This book guides you every step of the way. It s packed with practical tips advice for getting - and keeping - your finances in order. Author J.D. Roth, founder of the widely-acclaimed blog GetRichSlowly, covers all the money-management bases, from saving and spending to getting out of debt to investing and planning for retirement. You won t find any get-rich-quick schemes here, just sensible advice for getting the most from your money. Even if you have perfect credit and no debt, you ll learn ways to make your rosy financial situation even better. Get the information you need to make sensible financial decisions, from saving to spending, investing to retiring. Gain solid advice from the viewpoint of someone who s been there (in debt, that is). Learn the best tips that J.D. Roth has compiled on his blog GetRichSlowly, recently named the most inspiring money blog by Money Magazine . Discover strategies for improving your financial situation and keeping your accounts in order. Find out about sound investment options. Learn about several useful websites that can help you manage your money. Bookseller Inventory # AAH9780596809409

More Information About This Seller | Ask Bookseller a Question

Buy New
US$ 15.43
Convert Currency

Add to Basket

Shipping: FREE
From United Kingdom to U.S.A.
Destination, Rates & Speeds

5.

Roth, J. D.
ISBN 10: 0596809409 ISBN 13: 9780596809409
New Paperback Quantity Available: > 20
Print on Demand
Seller
BargainBookStores
(Grand Rapids, MI, U.S.A.)
Rating
[?]

Book Description Paperback. Book Condition: New. This item is printed on demand. Item doesn't include CD/DVD. Bookseller Inventory # 848636

More Information About This Seller | Ask Bookseller a Question

Buy New
US$ 11.45
Convert Currency

Add to Basket

Shipping: US$ 3.99
Within U.S.A.
Destination, Rates & Speeds

6.

J.D. Roth
Published by OREILLY & ASSOCIATES INC, United States (2010)
ISBN 10: 0596809409 ISBN 13: 9780596809409
Used Trade Paperback Quantity Available: 1
Seller
Powell's Books
(Portland, OR, U.S.A.)
Rating
[?]

Book Description OREILLY & ASSOCIATES INC, United States, 2010. Trade Paperback. Book Condition: Good. TRADE PAPERBACK Language: RD11. Legendary independent bookstore online since 1994. Reliable customer service and no-hassle return policy. Used. Book: USED, Good. Bookseller Inventory # 01978059680940910. Bookseller Inventory # 01978059680940910

More Information About This Seller | Ask Bookseller a Question

Buy Used
US$ 10.95
Convert Currency

Add to Basket

Shipping: US$ 4.49
Within U.S.A.
Destination, Rates & Speeds

7.

Roth, J.D.
Published by O'Reilly Media
ISBN 10: 0596809409 ISBN 13: 9780596809409
Used PAPERBACK Quantity Available: > 20
Seller
Mediaoutlet12345
(Springfield, VA, U.S.A.)
Rating
[?]

Book Description O'Reilly Media. PAPERBACK. Book Condition: Fine. 0596809409 *LIKE NEW* Ships Same Day or Next!. Bookseller Inventory # SWATI21FI585178

More Information About This Seller | Ask Bookseller a Question

Buy Used
US$ 14.34
Convert Currency

Add to Basket

Shipping: US$ 3.99
Within U.S.A.
Destination, Rates & Speeds

8.

Roth, J.D.
Published by O'Reilly Media
ISBN 10: 0596809409 ISBN 13: 9780596809409
New PAPERBACK Quantity Available: > 20
Seller
Mediaoutlet12345
(Springfield, VA, U.S.A.)
Rating
[?]

Book Description O'Reilly Media. PAPERBACK. Book Condition: New. 0596809409 *BRAND NEW* Ships Same Day or Next!. Bookseller Inventory # SWATI2122340795

More Information About This Seller | Ask Bookseller a Question

Buy New
US$ 14.34
Convert Currency

Add to Basket

Shipping: US$ 3.99
Within U.S.A.
Destination, Rates & Speeds

9.

J.D. Roth
Published by O'Reilly Media (2017)
ISBN 10: 0596809409 ISBN 13: 9780596809409
New Paperback Quantity Available: 17
Print on Demand
Seller
Murray Media
(North Miami Beach, FL, U.S.A.)
Rating
[?]

Book Description O'Reilly Media, 2017. Paperback. Book Condition: New. Never used! This item is printed on demand. Bookseller Inventory # 0596809409

More Information About This Seller | Ask Bookseller a Question

Buy New
US$ 16.35
Convert Currency

Add to Basket

Shipping: US$ 1.99
Within U.S.A.
Destination, Rates & Speeds

10.

Roth, J.D.
Published by O'Reilly Media
ISBN 10: 0596809409 ISBN 13: 9780596809409
New PAPERBACK Quantity Available: 3
Seller
Lakeside Books
(Benton Harbor, MI, U.S.A.)
Rating
[?]

Book Description O'Reilly Media. PAPERBACK. Book Condition: New. 0596809409 BRAND NEW, GIFT QUALITY! NOT OVERSTOCKS OR MARKED UP REMAINDERS! DIRECT FROM THE PUBLISHER!|1. Bookseller Inventory # OTF-S-9780596809409

More Information About This Seller | Ask Bookseller a Question

Buy New
US$ 15.45
Convert Currency

Add to Basket

Shipping: US$ 3.99
Within U.S.A.
Destination, Rates & Speeds

There are 20 more copies of this book

View all search results for this book