Live Like A King Without Going Broke - A Simple Guide To Financial Victory: Live Like A King Bundle, #1
By Keroy King
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About this ebook
Live Like A King Without Going Broke - A Simple Guide To Financial Victory
INTRODUCTION
In school, we spent years learning about science, language, math, and social studies from text books, but we spent very little time – if at all – on real life skills like saving, making, and managing money.
Somehow, we're supposed to just "pick up" how to manage our finances, as if innate to us! The truth is, money management is not a skill that we're all born with – it's acquired. The good news is that you can easily learn the skill!
In this guide, we'll go over several key areas including:
✏ Creating and staying with a budget
✏ Cutting expenses without sacrificing your lifestyle
✏ Saving money every day
✏ Getting out of debt
✏ Boosting your income
✏ Refinancing your mortgage
✏ How to boost your credit score
✏ Protecting your identity
At the end of each chapter, there are a series of self-reflection questions and action steps. Take some time to answer these questions and implement these steps. After all, your financial success is up to you!
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Live Like A King Without Going Broke - A Simple Guide To Financial Victory - Keroy King
INTRODUCTION
In school, we spent years learning about science, language, math, and social studies from text books, but we spent very little time – if at all – on real life skills like saving, making, and managing money.
Somehow, we’re supposed to just pick up
how to manage our finances, as if innate to us! The truth is, money management is not a skill that we’re all born with – it’s acquired.
The good news is that you can easily learn the skill!
In this guide, we’ll go over several key areas including:
Creating and staying with a budget
Cutting expenses without sacrificing your lifestyle
Saving money every day
Getting out of debt
Boosting your income
Refinancing your mortgage
How to boost your credit score
Protecting your identity
At the end of each chapter, there are a series of self-reflection questions and action steps. Take some time to answer these questions and implement these steps. After all, your financial success is up to you!
CHAPTER 1:
CREATE A BUDGET
The best way to acquire financial security is to have a sound budget. With a realistic budget, you can have more money to plan that vacation or buy that awesome big screen TV with the surround sound system. In order to indulge in these luxuries without utterly destroying your bank account, you need a budget.
Not to worry, though! It’s not as bad as it sounds. It’s actually quite simple.
HOW MUCH DO I MAKE?
The backbone of any budget is based on how much you make. Even if your income is lower than you’d like, you can still budget successfully, but it’s important to know what you have to work with in order to create a balanced budget.
When budgeting, it’s critical that you use your net income as opposed to the gross, that is, the amount after all deductions and taxes. Doing so will give you a more accurate representation about what you have today, factoring in what the government takes as deductions.
For all practical purposes, what is being deducted from your paycheck is money that isn’t yet available to spend. Then when you file your tax return, treat the refund like a bonus.
If you have a variable paycheck, using a close estimate should suffice in most situations. A realistic estimate can be gathered by totaling your income from the past 3-6 months, and then divide by the income you received in that time.
WHAT ARE MY FIXED EXPENSES?
There’s no way around it; we all have bills to pay. Some bills vary from month to month, but there are others that are constant. Many loans are structured so you pay the same amount every month. For example, your car or home payments are fixed expenses. Rent and cable bills are also usually the same amount every month.
Some examples of common fixed expenses