TABLE OF CONTENTS, TOC
PERSONAL AND HOUSEHOLD FINANCE

How to Manage Your Bills, Checkbook and Credit Cards
Personal finance tips for simple management of your money, income and debt.
How to balance a checkbook and easily find mistakes. When to pay bills and avoid late fees, penalties and bad marks on your credit record. How to keep unplanned expenses from making you go into debt.
Consumer guide to frugal living - from previous newsletters © Copyright 1995-2000 by SAVVY-DISCOUNTS.com - All Rights Reserved


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Table of Contents

  PERSONAL AND HOUSEHOLD FINANCE, HOW TO MANAGE YOUR BILLS AND YOUR MONEY
  1.0 OVERVIEW OF PERSONAL AND HOUSEHOLD FINANCE

  2.0 HOW TO KEEP TRACK OF YOUR BILLS, CHECKS, MONEY
  2.0.1 HOW TO KEEP TRACK OF YOUR CHECKS


  3.0 BALANCING YOUR CHECK BOOK, HOW TO MANAGE YOUR BILLS AND YOUR MONEY

  4.0 WHAT IS THE RIGHT WAY TO HANDLE YOUR MONEY?

  5.0 FOUND MONEY - YOU MAY HAVE MONEY YOU DID NOT KNOW ABOUT, HOW TO MANAGE YOUR BILLS AND YOUR MONEY
  5.0.1 FOUND MONEY
  5.0.2 LOOSE CHANGE
  5.0.3 UNNOTICED INTEREST
  5.0.4 VALUE SIZE?
  5.0.5 DON'T SHOP ONE WEEK
  5.1 UNDERSTANDING CASH FLOW, HOW TO MANAGE YOUR BILLS AND YOUR MONEY
  5.1.1 WHEN ARE YOUR BILLS REALLY DUE?
  5.1.2 KEEPING UP YOUR CREDIT RATING


  6.0 PAPERLESS CALCULATOR, HOW TO MANAGE YOUR BILLS AND YOUR MONEY
  6.0.1 ACCOUNTING PAPER AND PENCIL
  6.0.2 QUICKEN
  6.0.3 CHEAP CHECKS
  7.0 UNPLANNED EXPENSES AND PERSONAL FINANCE - THE MAIN REASON PEOPLE GO INTO DEBT
  7.0.1 IT'S 2 A.M. DO YOU KNOW WHERE YOUR MONEY HAS GONE?
  7.1 UNPLANNED EXPENSES CHECK LIST
  7.2 INSURANCE
  7.3 DON'T WAIT TO SAVE MONEY ON THESE EXPENSES
  7.4 HOW TO GET A HANDLE
  7.5 AVOID DEBT - TIPS AND TRICKS
  7.6 WATCH OUT FOR ACCESSORIES AND EXTRAS
  7.7 WATCH OUT FOR CONSTRUCTION
  7.8 PLANNING AND FUDGE FACTORS
  7.9 IMPULSE BUYING, THE GREAT BUDGET BUSTER
  8.0 FINANCIAL MATH, SIMPLE MATHEMATICS AND EXAMPLES FOR YOUR PERSONAL FINANCES
  8.0.1 IMPORTANT PERSONAL FINANCE NUMBERS
  8.1 COMPARE TWO HEALTH CARE POLICIES - THE ONLY DIFFERENCE IS THE DEDUCTIBLE
  8.2 WHICH IS CHEAPER: THE 12¢ OR THE 18¢ PREPAID PHONE CARD?
  8.3 IS TELEPHONE "LINE GUARD INSURANCE" WORTH WHILE?
  8.4 A NATIONAL NEWS SERVICE CANNOT DO THE MATH
  8.5 WHICH HEALTHCARE POLICY IS CHEAPER?
  8.6 HOW MUCH DO "FREE" LONG DISTANCE WEEKENDS COST?
  8.7 HALF A MILLION DOLLARS FOR LUNCH?
  TAKE OUR MONEY-SAVING MATH QUIZ
  ANSWERS
  8.8 CALCULATE TIPPING QUICKLY AND OTHER QUICK FINANCIAL ESTIMATES
  8.9 200% INTEREST ON YOUR MONEY
  8.10 CALCULATE BREAK EVEN FINANCES
  8.11 MATH ILLITERACY
  8.12 HOW TO ANNUALIZE COSTS
  8.12.1 FIGURING THE COST OF "INSTANT-ON" CONVENIENCES


  9.0 CREDIT CARD TIPS; HELP FOR YOUR PERSONAL FINANCES
  9.0.1 CREDIT CARDS ARE CHANGING!
  9.0.1 BEWARE OF AUTOMATIC PAYMENTS TO CREDIT CARDS
  9.0.2 CREDIT CARD LATE FEES DROPPED
  9.1 BANKING TIPS; HELP FOR YOUR PERSONAL FINANCES
  9.1.1 CUT THE COST OF ATM MACHINES
  9.2 DIRECT DEPOSIT BANKING SAVES TIME AND MOENY
  9.2.1 DOES IT PAY TO SWITCH BANKS
  9.2.2 BROKERAGE FEES WAIVED
  10.0 BOOKS AND RESOURCES FOR PERSONAL FINANCE; HELP FOR YOUR PERSONAL FINANCES


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RELATED LINKS TO HOW TO MANAGE YOUR BILLS, CHECKBOOK AND CREDIT CARDS
| Christmas discounts. | Price comparison book -- how to compare prices. | Credit card tips. Avoid high interest rates and penalties. | Reduce Your Christmas Expenses | Prevent Accidents and Crime |

Check Our Annual Sales And Seasonal Discount Calendar
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Read our quick guide to saving $5000 a year
with no extra work or change in your lifestyle:
How To Cut Your Household Budget

Introduction | Supermarket | Stockpile | Utilities | Car
Long Distance Phone | Credit Cards | Used Products | Clothing | Christmas
Refunds | Company Benefits | Travel | Insurance | Government Services | Time And Money



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