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Informationen zum Autor Hannah Smith is an award-winning freelance financial journalist with 20 years' experience writing about money. She has written and produced for a wide range of financial publications including The Times , The Daily Telegraph, and the BBC. Eric Tyson, MBA, is the author of bestselling For Dummies titles such as Personal Finance For Dummies , Investing For Dummies , and Financial Security For Dummies . Klappentext Your guide to better money decisions Looking for accessible, step-by-step guidance on everyday personal finance issues like income tax, retirement planning, budgeting, debt, and savings? Personal Finance For Dummies, UK Edition, gives you the tools you need to improve your financial situation, regardless of your income. You'll find expert tips you can apply immediately to improve your ability to save, invest, plan, pay off debt, and navigate your personal tax. This is your one-stop resource for building a more prosperous future. Inside... Measure your financial health Prepare for retirement Build wealth Reduce your tax bill Pay down debt Create a realistic budget Save more money Protect your assets Inhaltsverzeichnis Introduction 1 About This Book 2 Foolish Assumptions 3 Icons Used in This Book 3 Beyond the Book 4 Where to Go from Here 4 Part 1: Getting Started with Personal Finance 5 Chapter 1: Embracing Financial Literacy 7 Understanding Everything Financial Literacy Includes 8 Starting with the basics: Budgeting and transaction accounts 9 Making your money work for you: Investing 9 Protecting your income and assets: Insurance 9 Talking Money at Home 10 Identifying Unreliable Sources of Information 11 Understanding the dangers of free financial content online 11 Recognising the dangers of following financial gurus (and celebrities) 12 Publishers pandering to advertisers 13 Developing Good Financial Habits 14 Chapter 2: Establishing a Financial Foundation 15 Understanding Your Cash Flow 16 Uncovering where your money goes 16 Sizing up your income 17 Using Different Accounts 18 Current accounts 19 Savings accounts 20 Investment accounts 21 Budgeting to Boost Your Savings 22 Understanding and Improving Your Credit Score 23 Deciphering how lenders use credit reports and scores 23 Obtaining your credit reports 24 Chapter 3: Establishing and Achieving Goals 27 Creating Your Own Definition of Wealth 28 Acknowledging what money can't buy 28 Managing the balancing act 29 Prioritising Your Savings Goals 30 Knowing what's most important to you 31 Valuing pensions 31 Building Emergency Reserves 33 Saving to Buy a Home or Business 34 Funding Kids' Educational Expenses 34 Saving for Big Purchases 35 Preparing for Planned Borrowing 35 Preparing for Retirement/Financial Independence 36 Figuring out what you need for retirement/financial independence 38 Understanding retirement building blocks 39 Crunching numbers for your retirement 42 Making up for lost time 43 Part 2: Spending Less, Saving More 45 Chapter 4: Managing Where Your Money Goes 47 Examining Overspending 48 Having access to credit 48 Misusing credit cards 49 Taking out car loans 49 Spending to feel good 50 Assessing Your Spending 52 Tracking spending the "low-tech" way 52 Tracking your spending on websites and apps 55 Chapter 5: Reducing Your Spending 57 The Keys to Successful Spending 57 Living within your means 58 Looking for the best value 58 Making c...
