In fact, you may be very comfortable with the business tools and roles suggested in this book, like having a family business plan, a Board of Directors, and a Chief Financial Officer. The book’s primary aim is to show couples how to use these corporate tools to reach their money goals while minimizing the emotional conflict and anxiety that can affect couples trying to manage their money together. The Unofficial Guide to Managing Your Personal Finances. Though now several years old, this practical, easy-to-understand guide to managing your personal finances is still relevant. Written by Stacie Zoie Berg, this book includes basic information on credit cards, banks, investing, insurance, buying a car or home, taxes, financing college educations, retirement planning, estate planning, and more. It is an ideal personal finance book for those who are in the early stages of taking control of their money and planning their financial future.
We are committed to researching, testing, and recommending the best products. We may receive commissions from purchases made after visiting links within our content. Learn more about our review process. Managing your money isn’t the easiest thing to do. Now that we no longer balance a checkbook, tracking and expenses and keeping up with the bank balance can get a little difficult. Personal finance apps can connect with your bank account and help you keep up with your spending. Not only that, personal finance apps can help you pinpoint areas that you’ve been spending, track upcoming bill payments (some allow you to pay your bills directly through the app), keep up with your credit score and investment portfolio. The best personal finance apps provide several different features (e-mail reminders, bill due dates, track subscriptions, shared wallets, etc.) for managing your overall finances. All the apps on our list are available on both iOS and Android, so you can enjoy no matter which smartphone giant you’re partial to.
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Motley Fool’s You Have More Than You Think. The creators of one of the most popular financial stock market sites, www.fool.com, brothers Tom and David Gardner also wrote the New York Times Bestseller You Have More Than You Think. The Gardner brothers’ book aims to show how even inexperienced investors can invest the smallest amounts of money and still make a profit. Their far-from-foolish advice includes how to reduce your debt and find money to invest, how to find the best investments, how to manage your 401(k), and more. As with most of their writing, this personal finance book is a fun and easy to read.
How Much Is the Finance Charge? Finance charges are calculated each billing cycle based on your APR and credit card balance, so your exact finance charge will typically vary from month to month. Creditors have different methods of calculating finance charges based on how they calculate your balance. Credit card issuers may calculate your finance charge using your daily balance, an average of your daily balance, the balance at the beginning or end of the month, or your balance after payments have been applied. It’s now illegal for credit card issuers to charge a new finance charge on a balance you paid off in a previous billing cycle.
Where to Find Your Finance Charge. You’ll see your finance charge listed in several places on your monthly credit card billing statement. On the first page of your billing statement, you’ll see an account summary listing your balance, payments, credits, purchases, and the finance charge, which may also be referred to as an ”interest charge.” In the breakout of transactions made on your account during the billing cycle, you’ll see a line item for your finance charge and the date the finance charge was assessed.