Clever Girl Finance, Expanded & Updated

Informationen zum Autor BOLA SOKUNBI is a Certified Financial Education Instructor (CFEI), investor, finance expert, speaker, podcaster, and the founder and CEO of Clever Girl Finance, one of the largest personal finance platforms for women in the U.S. Through her platform, she empowers women to achieve real wealth and live life on their own terms. Klappentext Achieve financial security with small, simple, and powerful steps you can start taking today! In the newly expanded and updated second edition of Clever Girl Finance , renowned personal finance expert Bola Sokunbi delivers her latest update to her widely read personal finance handbook for women everywhere. With easy-to-follow steps, she walks you through the basics of building a strong and prosperous financial future, showing you the exact steps to craft a resilient budget, improve your credit score, pay down debt quickly, invest confidently, and build long-term wealth. Through relatable, real-world examples, Bola shows you how to align your money with your personal values and set achievable goals, that will help guide your actions. She'll also show you the mindset shifts and healthy financial habits you'll need to cultivate to achieve lifelong financial independence, and help you discover different investment strategies you can start immediately even if you only have a small amount of money. Perfect for women in any stage of life looking for practical, actionable, and step-by-step guidance they can apply to their own financial journeys, Clever Girl Finance is the easy-to-follow and down-to-earth roadmap to financial independence and success that we've all been waiting for! Inhaltsverzeichnis About the Author xi Also by Bola Sokunbi xiii Acknowledgments xv Welcome to the Expanded and Updated Edition of This Book! xvii You Are in the Right Place xix How to Use This Book xxi Introduction xxiii My Story xxxi Part I The Start 1 Your What and Your Why 3 Chapter 1 Your Mindset 11 Let Go of Your Money Mistakes 13 Becoming Emotionally Balanced for a Positive Money Mindset 18 Meet Dr. Chavonne Perotte 23 Dream Big: Affirm Yourself to Being Wealthy 27 Shift Your Circle of Influence 32 Meet Latoya Scott 37 Chapter 2 Get Organized 41 Get Your Records In Order 43 Track Your Spending 50 Identify Your Bad Money Habits 55 Meet Christina Mychas 61 Know Your Net Worth 67 Meet Brittney Suttle 70 Define Your Values 73 Set Your Goals 75 Meet Molly Stillman 78 Part II The Plan 81 Chapter 3 Budgeting 83 Budgeting 101: The Basics 85 Setting Up Your Budget Using Categories 87 Budgeting Styles 90 Don't Ignore Your Money Leaks 96 Common Budgeting Challenges and How to Get Out of Your Own Way 100 Rewarding Yourself 102 Meet Esther Bangura 106 Budgeting on an Inconsistent Income 111 Budgeting on a Low Income 113 Budgeting as a Couple 115 The Save Yourself Fund: Your Emergency Savings 121 Sinking Funds to Stay on Track 124 My Story: How I Saved over $100,000 in Three Years 126 Chapter 4 Debt and Loans 131 Let's Talk About Debt Because It Sucks 133 Paying Off Your Debt 139 Student Loans: Facts and Basics 145 Meet Melisa Boutin 146 Where to Start with Your Student Loans 148 Ideas to Pay Off Your Debt Fast 155 Meet Naseema McElroy 160 Cashback and Rewards Credit Cards 162 Meet Monica Louie 164 Chapter 5 Investing 171 Investing 101 173 Meet Adeola Omole 182 Investing for Retirement 185 How to Start Investing 192 Meet Mabel Nunez 197 Part III The Necessary 203 Chapter...

Auteur

BOLA SOKUNBI is a Certified Financial Education Instructor (CFEI), investor, finance expert, speaker, podcaster, and the founder and CEO of Clever Girl Finance, one of the largest personal finance platforms for women in the U.S. Through her platform, she empowers women to achieve real wealth and live life on their own terms.

Texte du rabat

Achieve financial security with small, simple, and powerful steps you can start taking today! In the newly expanded and updated second edition of Clever Girl Finance, renowned personal finance expert Bola Sokunbi delivers her latest update to her widely read personal finance handbook for women everywhere. With easy-to-follow steps, she walks you through the basics of building a strong and prosperous financial future, showing you the exact steps to craft a resilient budget, improve your credit score, pay down debt quickly, invest confidently, and build long-term wealth. Through relatable, real-world examples, Bola shows you how to align your money with your personal values and set achievable goals, that will help guide your actions. She'll also show you the mindset shifts and healthy financial habits you'll need to cultivate to achieve lifelong financial independence, and help you discover different investment strategies you can start immediately even if you only have a small amount of money. Perfect for women in any stage of life looking for practical, actionable, and step-by-step guidance they can apply to their own financial journeys, Clever Girl Finance is the easy-to-follow and down-to-earth roadmap to financial independence and success that we've all been waiting for!

Contenu

About the Author xi

Also by Bola Sokunbi xiii

Acknowledgments xv

Welcome to the Expanded and Updated Edition of This Book! xvii

You Are in the Right Place xix

How to Use This Book xxi

Introduction xxiii

My Story xxxi

Part I The Start 1

Your What and Your Why 3

Chapter 1 Your Mindset 11

Let Go of Your Money Mistakes 13

Becoming Emotionally Balanced for a Positive Money Mindset 18

Meet Dr. Chavonne Perotte 23

Dream Big: Affirm Yourself to Being Wealthy 27

Shift Your Circle of Influence 32

Meet Latoya Scott 37

Chapter 2 Get Organized 41

Get Your Records In Order 43

Track Your Spending 50

Identify Your Bad Money Habits 55

Meet Christina Mychas 61

Know Your Net Worth 67

Meet Brittney Suttle 70

Define Your Values 73

Set Your Goals 75

Meet Molly Stillman 78

Part II The Plan 81

Chapter 3 Budgeting 83

Budgeting 101: The Basics 85

Setting Up Your Budget Using Categories 87

Budgeting Styles 90

Don't Ignore Your Money Leaks 96

Common Budgeting Challenges and How to Get Out of Your Own Way 100

Rewarding Yourself 102

Meet Esther Bangura 106

Budgeting on an Inconsistent Income 111

Budgeting on a Low Income 113

Budgeting as a Couple 115

The Save Yourself Fund: Your Emergency Savings 121

Sinking Funds to Stay on Track 124

My Story: How I Saved over $100,000 in Three Years 126

Chapter 4 Debt and Loans 131

Let's Talk About Debt Because It Sucks 133

Paying Off Your Debt 139

Student Loans: Facts and Basics 145

Meet Melisa Boutin 146

Where to Start with Your Student Loans 148

Ideas to Pay Off Your Debt Fast 155

Meet Naseema McElroy 160

Cashback and Rewards Credit Cards 162

Meet Monica Louie 164

Chapter 5 Investing 171

Investing 101 173

Meet Adeola Omole 182

Investing for Retirement 185

How to Start Investing 192

Meet Mabel Nunez 197

Part III The Necessary 203

Chapter 6 Credit 205

Credit 101 207

Credit Scores 209

Busting Credit Myths 218

Compromised Information 221

Meet Rosemary A.B. 223

Chapter 7 Protecting Yourself 229

Creating a Backup Plan with the Right Insurance 231

Recession- Proofing Your Finances 239

Meet Ashlee Sang 247

Chapter 8 Making More Money 251

Negotiating to Win 253

Meet Steph May 259

Side Hustles 266

Meet Lucille Roache 271

Chapter 9 Your Self- Care 277

Nuturing Your Self- Care Alongside Your Financial Wellness Because Yes 279

Chapter 10 Key Financial Actions 285

Steps to Keep Your Financial Plans Intact 286

In Closing 291

Appendix 293

Index 297