The Average Family's Guide to Financial

Easy-to-understand and conversational, here is the Toohey's groundbreaking formula for building assets without earning more money, relocating, or changing jobs--and without suffering

Bill Toohey is the author of The Average Family's Guide to Financial Freedom, published by Wiley.

Mary Toohey is the author of The Average Family's Guide to Financial Freedom, published by Wiley.

Introduction

1

(10)

Part One BUILDING A MONEY-SAVING MINDSET

11

(18)

Love: The Impact of Money on Relationships

13

(3)

Crisis: Maintaining Normalcy in a Crisis

16

(3)

Comfort: How to Be Comfortable in a Modest Home

19

(3)

Study: How Learning Contributes to Peace, Order, and Financial Freedom

22

(3)

Gratitude: Grandma's Red Brick House and Why We Need to Have an ``Attitude of Gratitude''

25

(4)

Part Two SPENDING LESS IS EASIER THAN SAVING MORE

29

(24)

Saving: Why Saving Doesn't Work

31

(3)

Spending: The Double Whammy of Spending Control

34

(2)

Categorize: Categorize Your Spending and Zero In on Problem Areas

36

(4)

Surprise: Avoiding the Trap of Failing to Plan for All Expenses

40

(4)

Borrowing: Despising Debt

44

(6)

Creep: The Perils of Increasing Your Standard of Living Too Quickly

50

(3)

Part Three NECESSITIES AND A FEW EXTRAS

53

(28)

Home: Choosing the Right House Will Make You or Break You

55

(4)

Wheels: Car-Buying Secrets

59

(8)

Supermarket: How a College Class Assignment Changed Our Approach to Grocery Shopping

67

(3)

Entertainment: Having Fun Without Breaking the Bank

70

(3)

Impulse: How to Control Miscellaneous Spending

73

(5)

Splurge: Coming Up for Air

78

(3)

Part Four BIG TICKET MONEY SAVERS

81

(16)

Research: Money-Saving Strategies for Big Ticket Purchases

83

(5)

Scholarship: A Debt-Free College Education for $7000!

88

(3)

Taxes: Taking Advantage of Tax Breaks

91

(6)

Part Five SIMPLIFY YOUR LIFE

97

(18)

Supplies: Office Supplies You Must Have

99

(4)

Files: Building a Bulletproof Filing System

103

(4)

Bathroom: Strategies That Keep a One Bathroom Home Running Smoothly

107

(3)

Sleep: The Costs of Losing Sleep

110

(5)

Part Six PRACTICAL MONEY-SAVING SKILLS

115

(22)

Refunds: Recouping Your Money on Shoddy Work, Products, or Insurance Denials

117

(5)

Maintenance: Make Your Things Last Forever

122

(4)

Skills: Do It Yourself and Save

126

(6)

Commissions: Avoiding Sales Commissions and Insurance Company Financial Products

132

(5)

Part Seven BE YOUR OWN FINANCIAL EXPERT

137

(18)

Planners: The Best Financial Planner for You Is You

139

(3)

Foundation: Building Your Financial Future on Solid Footing

142

(4)

Homework: Investing Knowledge...Where to Get It

146

(9)

Part Eight INVESTING

155

(40)

Stocks: Breaking Through the Minimum Wage Mentality

157

(6)

Bonds: Smoothing Out the Dips

163

(5)

Cash: A Risky Investment

168

(3)

Allocation: Asset Allocation-The Family's Most Important Investment Decision

171

(6)

Funds: No-Load Mutual Funds-The Way Families Should Invest

177

(3)

Choosing: Drowning in a Sea of Choices

180

(5)

When: When to Buy, When to Sell, When to Adjust

185

(5)

Dumb Moves: Our Investment Mistakes

190

(5)

Part Nine RETIREMENT

195

(22)

Plans: IRAs, Roths, 403 (b)s, 401(k)s, SIMPLES, SEPs, Keoghs

197

(7)

Withdrawing: Getting Your Money Out of Retirement Plans Whenever You Want-Without Penalties

204

(3)

Enough: Keeping Our Money from Petering Out Before We Do

207

(5)

Threats: A Sample of Things That Can Go Wrong

212

(5)

Part Ten PARENTING

217

(22)

Supper: We Raise Our Kids at Dinner

219

(3)

Indulge: Spending Money on Kids

222

(4)

Discipline: Chaos Poses a Threat to Your Family's Financial Health

226

(4)

Expectations: Setting High Expectations for Children Without Driving Them Crazy

230

(5)

Teens: Getting Through the Tough Years Without Losing Your Money or Your Mind

235

(4)

Afterword

239

(2)

Index

241

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The Used, Rental and eBook copies of this book are not guaranteed to include any supplemental materials. Typically, only the book itself is included. This is true even if the title states it includes any access cards, study guides, lab manuals, CDs, etc.

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The Average Family's Guide to Financial Freedom

Summary

Author Biography

Table of Contents

Supplemental Materials