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Take charge of your finances and achieve financial independence - the Clever Girl way
Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side.
Monitor your expenses, build a budget, and stick with it
Make the most of a modest salary and still have money to spare
Keep your credit in check and clean up credit card chaos
Start and succeed at your side hustle
Build a nest egg and invest in your future
Transform your money mindset and be accountable for your financial well-being
Feel the power of real-world stories from other "clever girls"
Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.
Auteur
BOLA SOKUNBI is a Certified Financial Education Instructor (CFEI), finance expert, speaker, podcaster, influencer, and the founder and CEO of Clever Girl Finance, a personal finance platform for women.
Texte du rabat
Praise for Clever Girl Finance "An essential guide to financial well-being for women of all ages. Bola's book expertly demystifies handling your money, getting out of debt and creating a sound financial future for yourself." Farnoosh Torabi, financial expert and host of the So Money podcast "Women are the economic engines of their communities; that's why it's so important they have tools to ensure success. Clever Girl Finance is just such a tool, a wonderful, interactive guide through the daunting world of personal finance. A clever girl will find this book proves, 'to know better is to do better'." Monique Nelson, Chair and CEO, UniWorld Group What's keeping you from real financial success? You're a smart woman. So why do you find financial matters just a little intimidating? Don't worrywe've all been there! We work hard for our money. We're supporting families or sharing the financial obligations of our households. However, we're usually paid less than men and we typically live longer, making our money management needs unique. And that's why it's time for YOU to master the essentials of money: managing it, saving it, investing it, and building a secure financial future for yourself. Self-made money expert Bola Sokunbi developed Clever Girl Finance to meet those objectives. In this book, she helps you identify your personal needs, challenges, and relationship with debt. She demystifies investing. She coaches you on salary negotiations. And at every step, she shares the experiences of women just like you. It's not a magic bullet. It's a process Bola used to establish her own financial security, and it can work for you too!
Résumé
Take charge of your finances and achieve financial independence the Clever Girl way
Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side.
Contenu
About the Author xi
Acknowledgments xiii
You are in the Right Place xv
How to Use This Book xvii
Introduction xix
My Story xv
Part I The Start 1
Your What and Your Why 3
Chapter 1 Your Mindset 9
Let Go of Your Money Mistakes 11
Dream Big Affirm Yourself to Being Wealthy 17
Shift Your Circle of Influence 22
Meet Latoya Scott 25
Chapter 2 Get Organized 29
Get Your Records in Order 31
Track Your Spending 37
Identify Your Bad Money Habits 42
Know Your Net Worth 47
Define Your Values 51
Set Your Goals 53
Meet Molly Stillman 55
Part II The Plan 59
Chapter 3 Budgeting 61
Budgeting 101 The Basics 63
Setting Up Your Budget Using Categories 65
Budgeting Styles 68
Rewarding Yourself 72
Budgeting on an Inconsistent Income 77
Budgeting as a Couple 78
The Save Yourself Fund Your Emergency Savings 84
My Story: How I Saved over $100,000 in Three Years 87
Chapter 4 Debt and Loans 93
Let's Talk About Debt . . . Because It Sucks 95
Paying Off Your Debt 98
Student Loans . . . Facts and Basics 104
Meet Melisa Boutin 105
Where to Start with Your Student Loans 107
Ideas to Pay Off Your Debt Fast 112
Meet Naseema McElroy 117
Cashback and Rewards Credit Cards 119
Meet Monica Louie 121
Chapter 5 Investing 127
Investing 101 129
Meet Adeola Omole 136
Investing for Retirement 139
How to Start Investing 146
Meet Brittney Knies 149
Part III The Necessary 151
Chapter 6 Credit 153
Credit 101 155
Credit Scores 157
Busting Credit Myths 162
Chapter 7 Protecting Yourself 165
Creating a Backup Plan with the Right Insurance 167
Recession-Proofing Your Finances 174
Compromised Information 177
Chapter 8 Making More Money 181
Negotiating to Win 183
Side Hustles 189
Chapter 9 Key Financial Actions 193
Steps to Keep Your Financial Plans Intact 193
In Closing 197
Index 199