| Introduction | p. 10 |
Chapter 1 | Curb Mindless Spending | p. 11 |
1 | Avoid the Spending Trap! | p. 12 |
2 | Make a Financial Bucket List | p. 13 |
3 | Don't Quit Cold Turkey-Cut Back | p. 15 |
4 | Never Miss a Payment | p. 15 |
5 | Make a Wish List | p. 16 |
6 | Do the 10/10 Rule | p. 17 |
7 | Simplify Your Coffee | p. 17 |
8 | Hack Your Spending with the Envelope Method | p. 18 |
9 | Aim for Zero | p. 19 |
10 | Carry Big Bills | p. 20 |
11 | Declutter Your Phone | p. 20 |
12 | Unfollow Your Favorite Brands | p. 21 |
13 | Keep Temptation Out of Your Inbox | p. 22 |
14 | Don't Fall for the Free Shipping Trap | p. 23 |
15 | Streamline Your Subscriptions | p. 24 |
16 | Ditch the Shopping Cart! | p. 25 |
17 | Write It Down | p. 26 |
18 | Save 100 Percent | p. 27 |
19 | Reconsider Whether Membership Is Worth It | p. 28 |
20 | Stop Those Free Trials | p. 29 |
21 | Make a List | p. 30 |
22 | Check Your Bank Account | p. 31 |
23 | Never Start a Tab | p. 31 |
24 | Think Big with "Bonus" Money | p. 32 |
25 | Frame a Positive Narrative | p. 33 |
26 | Stop Trying to Be Perfect | p. 34 |
27 | Sweat the Big Stuff | p. 35 |
28 | Savor a Splurge All Month | p. 36 |
29 | Recalculate Prices As Hours of Work | p. 36 |
30 | Opt Out of Overdraft Protection | p. 37 |
31 | Live in the Future | p. 37 |
32 | Spend on the Buddy System | p. 38 |
33 | Save Money on Settling Up | p. 39 |
34 | Make the Holidays Stress-Free | p. 40 |
35 | Swear Off Spending | p. 41 |
36 | Live the Cash-Only Life | p. 42 |
37 | Make It Harder to Shop Online | p. 43 |
38 | Hit the Gym | p. 44 |
39 | Start a New Hobby | p. 45 |
40 | Join a Buy-Nothing Group | p. 46 |
41 | Use the Stranger Test | p. 47 |
42 | Outsmart Pricing Tricks | p. 47 |
43 | Avoid Temptation by Enjoying Convenience | p. 48 |
44 | Pay Yourself to Splurge | p. 49 |
45 | Don't Shop When You're Tired | p. 50 |
46 | Focus On Your Financial Goals | p. 51 |
47 | Pay Now or Not at All | p. 52 |
Chapter 2 | Be a Savvy Saver | p. 53 |
48 | Choose Two Savings Goals | p. 54 |
49 | Get Free Movies at the Library | p. 54 |
50 | Save 10 Percent of Every Paycheck | p. 55 |
51 | Automate Your Savings | p. 56 |
52 | Round Up to Boost Your Savings | p. 57 |
53 | Never, Ever Pay Bank Fees | p. 58 |
54 | Get Cash Back | p. 59 |
55 | Pay Your Bills Up Front | p. 60 |
56 | Keep the Best interest Rates | p. 61 |
57 | Make Your Money Work for You | p. 62 |
58 | Make Tuesday Your New Movie Night | p. 62 |
59 | Install a Browser Extension | p. 63 |
60 | Team Up for Greater Savings | p. 64 |
61 | Reap the Benefits of Loyalty | p. 65 |
62 | Earn Rebates | p. 66 |
63 | Browse Your Local Pawn Shops | p. 67 |
64 | Roll Your Own Coins | p. 67 |
65 | Buy Refurbished Electronics | p. 68 |
66 | Visit Tourist Attractions for Free | p. 69 |
67 | Share Your Ride | p. 70 |
68 | Be the Host with the Most | p. 71 |
69 | Save Money at a Repair Café | p. 71 |
70 | Pay Less for Prescription Drugs | p. 72 |
71 | Budget Your Utility Bill | p. 73 |
72 | Clean the Back of Your Fridge | p. 74 |
73 | Turn Down the Heat | p. 75 |
74 | Save Money by Moving on a Weekday | p. 76 |
75 | Get an Energy Audit | p. 76 |
76 | Use Ceiling Fans Strategically | p. 77 |
77 | Never Forget a Bill Again | p. 78 |
78 | Stop Buying Books | p. 78 |
79 | Spend Money to Save Money (and Time) | p. 79 |
80 | Score Double Savings on Groceries | p. 79 |
81 | Make Your Shopping Trips Count | p. 80 |
82 | Avoid Convenience Stores | p. 81 |
83 | Enjoy Fresh Herbs with Every Meal | p. 81 |
84 | Shop Clockwise at the Grocery Store | p. 82 |
85 | Fly on the Cheapest Days | p. 82 |
86 | Buy Lunch Twice a Week | p. 83 |
87 | Shop Your Pantry Instead of the Store | p. 84 |
88 | Fill Your Gas Tank on Monday | p. 84 |
89 | Try Every Weird Tip Once | p. 85 |
90 | Always Buy the Biggest Pizza | p. 86 |
91 | Stock Your Garden for Free | p. 87 |
92 | Tune In to New Skills | p. 88 |
93 | Buy a Transit Pass | p. 89 |
94 | Take Out Your Cell Phone | p. 89 |
95 | Cut Insurance You Don't Need | p. 90 |
96 | Make Your Airfare "Typical" or "Cheap" | p. 91 |
97 | Never Prepay for Gas | p. 92 |
98 | Negotiate Car Prices by Email | p. 93 |
99 | Haggle the Best Price | p. 94 |
Chapter 3 | Get Debt-Free | p. 95 |
100 | Check Your Free Credit Report | p. 96 |
101 | Know Your Debt | p. 97 |
102 | Keep Your Oldest Credit Card | p. 98 |
103 | Check Your Statement | p. 98 |
104 | Get Your Annual Fee Waived | p. 99 |
105 | Track to Motivate | p. 100 |
106 | Make Every Dollar Count | p. 100 |
107 | Score FICO for Free | p. 101 |
108 | Never Be Late | p. 102 |
109 | Ask Your Landlord to Report Your Rent | p. 103 |
110 | Lower Your Interest | p. 104 |
111 | Aim for Excellence | p. 105 |
112 | Set Smaller Goals | p. 105 |
113 | Boost Your Credit Score | p. 106 |
114 | Start an Avalanche or Build a Snowball | p. 107 |
115 | Kickstart with a Blizzard | p. 108 |
116 | Pay More Often | p. 108 |
117 | Hide Your Credit Cards | p. 109 |
118 | Write a Goodwill Letter | p. 109 |
119 | Look for Balance Transfer Offers | p. 110 |
120 | Partner Up for Accountability | p. 111 |
121 | Reward Yourself | p. 112 |
122 | Remember Why You're Doing This | p. 113 |
123 | Automate Your Payments | p. 114 |
124 | Pay Off Your Debt with Refunds | p. 114 |
125 | Claim Your Missing Money | p. 115 |
126 | Repair Your Credit with a Secured Card | p. 116 |
127 | Track Down Your Student Loans | p. 117 |
128 | Never Skip a Payment | p. 117 |
129 | Never Let Your Student Loans Default | p. 118 |
130 | Choose the Right Repayment Plan | p. 119 |
131 | Make Payments Every Other Week | p. 121 |
132 | Check If You're Eligible for Forgiveness | p. 123 |
133 | Never Buy Rewards | p. 124 |
134 | Max Your Credit Card Rewards | p. 124 |
135 | Never Let Your Rewards Expire | p. 125 |
136 | Find the Best Places to Earn Rewards | p. 125 |
137 | Spread Out Your Balances | p. 126 |
138 | Consider Your Options for Medical Bills | p. 127 |
139 | Reallocate Your Credit | p. 128 |
140 | Take the Shortest Possible Loan Term | p. 129 |
141 | Skip the Extended Warranty | p. 130 |
142 | Ask for Help | p. 131 |
143 | Use Reward Points to Buy Gift Cards | p. 133 |
144 | Ask for a Better Sign-Up Bonus | p. 134 |
145 | Choose the Best Travel Credit Card | p. 135 |
146 | Always Pay in Local Currency | p. 135 |
Chapter 4 | Make More Money | p. 137 |
147 | Find Out What You're Worth | p. 138 |
148 | Take Your Address Off Your Resume | p. 138 |
149 | Build Your Public Portfolio | p. 139 |
150 | Use Every Vacation Day | p. 140 |
151 | Learn a Skill You Can Sell | p. 141 |
152 | Get Credentials in Your Field | p. 142 |
153 | Don't Give the Government a Loan | p. 142 |
154 | Always Negotiate a Job Offer | p. 143 |
155 | Let Strangers Rent Your Time | p. 144 |
156 | Use a Job Offer to Get a Salary Boost | p. 145 |
157 | Set Your Hourly Rate | p. 146 |
158 | Outsource Time-Sucks | p. 147 |
159 | Know Your Target, Alternative, and Reservation | p. 148 |
160 | Add Up Your Benefits | p. 149 |
161 | Let Your Job Pay You to Exercise | p. 149 |
162 | Keep an Eye on the Job Boards | p. 150 |
163 | Get a Mentor | p. 151 |
164 | Skip Your Commute | p. 152 |
165 | Brag a Little | p. 153 |
166 | Work Off Your Student Loans | p. 153 |
167 | Track Your Mileage | p. 154 |
168 | Sell Your Junk Mail | p. 154 |
169 | Find Extra Money in Your Paycheck | p. 155 |
170 | Find the Perfect Side Hustle | p. 156 |
171 | Deliver Groceries, Packages, or People | p. 156 |
172 | Start a Seasonal Side Hustle | p. 157 |
173 | Become a Notary | p. 158 |
174 | Show Off Your Hometown | p. 159 |
175 | Leverage Your Second Language | p. 159 |
176 | Get Paid to Share Your Home | p. 160 |
177 | Stick with a Short-Term Rental | p. 160 |
178 | Tutor Students Around the World | p. 161 |
179 | Hang with a Pet | p. 161 |
180 | Get Cash for Last Year's Phone | p. 162 |
181 | Sell Your Stuff to Your Neighbors | p. 162 |
182 | Sell Your Books, DVDs, and Video Games | p. 163 |
183 | Pay Attention to Class Action Settlements | p. 164 |
184 | Get Paid for Your Opinions | p. 165 |
185 | Get Paid to Sleep Over | p. 166 |
186 | Use Your Hands to Make Extra Cash | p. 167 |
187 | Rent Your Garage, Shed, or Yard | p. 167 |
188 | Become a Shopping Detective | p. 168 |
189 | Let Strangers Rent Your Car | p. 169 |
190 | Wrap Your Car | p. 170 |
191 | Switch Banks for the Bonus | p. 171 |
Chapter 5 | Plan for the Future | p. 173 |
192 | Blow Out Your Money Candles | p. 174 |
193 | Go On a Money Date | p. 175 |
194 | Merge with Caution | p. 176 |
195 | Choose Equitable over Equal | p. 177 |
196 | Determine Your Investing Risk | p. 177 |
197 | Go Mortgage Hunting | p. 178 |
198 | Get Financially Fit | p. 179 |
199 | Get Free Money from Your Boss | p. 180 |
200 | Don't Watch the Market | p. 181 |
201 | Start with a Robo-Advisor | p. 181 |
202 | Pay Taxes Now to Save Later | p. 182 |
203 | Use Your Investment Time Machine | p. 182 |
204 | Work for Yourself? Don't Forget to Save | p. 183 |
205 | Invest In the 5 Percent Rule | p. 184 |
206 | Choose a Target | p. 185 |
207 | Double Your Money | p. 186 |
208 | Celebrate Your Money Anniversary | p. 187 |
209 | Don't Overlook Money Market Funds | p. 188 |
210 | Don't Forget to Actually Invest Your Money | p. 189 |
211 | Become a Homebuying Pro | p. 190 |
212 | Keep Company Stock Out of Your Portfolio | p. 191 |
213 | Ask Your Employer for Lower Fees | p. 192 |
214 | Ditch PMI ASAP | p. 192 |
215 | Go On a Retirement Treasure Hunt | p. 193 |
216 | Wed Wisely | p. 194 |
217 | Get Vested | p. 195 |
218 | Don't Rob Your Retirement | p. 196 |
219 | Save for Graduate School | p. 196 |
220 | Prepare Your Baby for College Costs | p. 197 |
221 | Aim for 80 Percent in Retirement | p. 198 |
222 | Save Money on Financial Planning | p. 198 |
223 | Make Sure Your Money Lasts | p. 199 |
224 | Create a Backup Investing Account | p. 200 |
225 | Protect Your Finances with a Fiduciary | p. 201 |
226 | Let Your Money Be Boring | p. 202 |
227 | Lock Down Your Credit | p. 202 |
228 | Get Your FICO Mortgage Score | p. 203 |
229 | Request a Rapid Rescore | p. 203 |
230 | Make a Big Down Payment | p. 204 |
231 | Pay Points Now to Save Later | p. 204 |
232 | Figure Out Your PITI | p. 205 |
233 | Buy a House for Less | p. 206 |
234 | Save Thousands on Your Mortgage | p. 207 |
Chapter 6 | Protect Your Money | p. 209 |
235 | Put Your Credit on Ice | p. 210 |
236 | Set Up Banking Alerts | p. 211 |
237 | Choose Better Passwords | p. 212 |
238 | Cover the ATM PIN Pad | p. 213 |
239 | Avoid Tax Phishing Scams | p. 214 |
240 | File Your Tax Return As Early As Possible | p. 215 |
241 | Don't Do Financial Tasks on Public Wi-Fi | p. 216 |
242 | Don't Click on Text Messages from Your Bank | p. 217 |
243 | Make a Will While You're Healthy | p. 217 |
244 | Never Give Out Your PIN | p. 218 |
245 | Kick Up Credit Card Fraud Help | p. 219 |
246 | Consider Spending Extra for Wedding Insurance | p. 220 |
247 | Protect Your New Car Purchase | p. 221 |
248 | Hold On to Your Gains | p. 222 |
249 | Don't Be Fooled by the January Effect | p. 223 |
250 | Don't Get Duped by Funeral Homes | p. 223 |
251 | Look Up Your Insurance Profile | p. 224 |
252 | Avoid Permanent Life Insurance | p. 225 |
253 | Protect Your Final Wishes with a Trust | p. 225 |
254 | Buy Term Life Insurance Early | p. 226 |
255 | Buy More Life Insurance Than You Think You Need | p. 227 |
256 | Get an Insurance Discount | p. 228 |
257 | Protect Your Salary | p. 229 |
258 | Cover Your Own Occupation | p. 230 |
259 | Grab an Umbrella (Policy) | p. 231 |
260 | Name Names on Your Financial Accounts | p. 232 |
261 | Go Window Shopping | p. 233 |
262 | Hold On to Your Car Keys | p. 234 |
263 | Create an Emergency Folder | p. 235 |
264 | Consider Final Expense Insurance | p. 236 |
265 | Buy Travel Insurance, but Only Sometimes | p. 237 |
266 | Review Your Health Insurance Plan Every Year | p. 238 |
267 | Learn the Difference Between HMOs and PPOs Once and for All | p. 239 |
268 | Get the Most Expensive Deductible You Can Afford | p. 240 |
269 | Talk to Your Parents about Their Money | p. 241 |
270 | Talk about Long-Term Care Plans for Mom and Dad | p. 242 |
271 | Think about Long-Term Care Plans for Yourself | p. 242 |
272 | Leave a Legacy | p. 243 |
273 | Don't Let the Market Upset You in September | p. 243 |
274 | Take an Inventory | p. 244 |
275 | Value Your Valuables | p. 245 |
276 | Save Claims for Big Mishaps | p. 246 |
277 | Prepare for Disasters | p. 247 |
278 | Think Twice Before You Loan Money | p. 248 |
279 | Check Your Child's Credit | p. 249 |
280 | Keep Scammers and Solicitors Out of Your Phone | p. 250 |
| Index | p. 251 |