Friday Five: Personal Finance Books Worth Reading

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If you’ve ever strolled down the ‘Self-Help’ section of any bookstore, or scrolled through an Amazon book search, you were probably overwhelmed by all of the titles just begging to be read. Here, we’ve hand-picked 5 critically acclaimed works that will help you take the steps necessary to get your financial life in order.

  1.  Small Move, Big Change: Using Micro-Resolutions to Transform Your Life Permanently; Caroline Arnold
    This book assists you in taking long-reaching goals and turning them into small, manageable changes that can ultimately lead to a huge shift in your life, both in the present and in the future. By using “micro-resolutions,” you reward yourself instantly, which creates new habits that will ultimately change how you think and act regarding money, food, productivity and organization.
  2. The Total Money Makeover: Classic Edition; Dave Ramsey
    “Dave Ramsey is America’s trusted voice on money and business.”¹ The Total Money Makeover helps you create a plan to get out of debt in 7 easy steps. It also teaches you how to build up that nest egg you’ve been wishing you had. The success stories (included in this book) alone ensure that this read will really grab your attention, regardless of your age, job status, or income level.
  3. Rich Dad Poor Dad: What the Rich Teach Their Kids About Money that the Poor and Middle Class Do Not!; Richard Kiyosaki
    This book held a top spot on the New York Times bestseller list for more than 6 years. Kiyosaki grew up with a very educated, yet financially unstable father. Conversely, the father of his best friend dropped out of school in 8th grade only to become a multimillionaire. Throughout his childhood and young adulthood, Kiyosaki learned that “the poor and middle class work for money,” but “the rich have money work for them.” He internalized this message and was retired by the age of 47. In Rich Dad Poor Dad, he teaches you a type of financial literacy that goes against conventional wisdom.
  4. Get Rich Carefully; Jim Cramer
    There are no get-rich-quick schemes that actually work, and Jim Cramer knows it. In Get Rich Carefully, you’ll learn how to plan for long-lasting wealth using a low risk plan. The “personal finance book of 2013,” is a very readable guide that will show you how to turn your savings into long-lasting wealth.
  5. Your Money or Your Life: Nine Steps to Transforming Your Relationship with Money and Achieving Financial Independence (Revised Edition); Vicki Robin & Joe Dominguez
    This international bestseller was originally written in 1992 and has been printed in 11 languages. It has been dubbed “the seminal guide to the new morality of personal money management” by the Los Angeles Times. Now, it’s been updated for the new millennium and our wavering economy. You’ll learn how to: get yourself out of debt and start saving, live better for less money, deal with any inner struggles regarding your values and lifestyle, live green while spending less, and ultimately take charge of your money. You’ll start living rather than just “making a living.”

When deciding which book(s) to use as financial guides, it’s important to remember that just about anybody can write a book these days. We’ve recommended the above 5 to you because they’ve been proven successful, and are written by actual finance/money experts. If you have a book you’d like to recommend to our readers and clients, please leave a comment. We’d love to hear from you!

Image credit: R Cocks

¹Editorial Review; Amazon.com

Friday Five: We Can Do That!

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We are simply amazed by how many people we’re able to help here at Veitengruber Law. It’s the thing that drives us, because helping others is what we’re all about. Today, we want to tell you about five things we do that could possibly be making your life easier, happier, or just plain better. Did you know that we can help you with:

  1. Raising your credit score This falls at number one because it’s SO important to have a good credit score! It’s sort of like using building blocks: if you don’t have a solid first layer, you will have a really tough time creating any kind of solid structure. With a lower credit score, you’ll have trouble: renting or buying a home, purchasing a car, getting insured, and possibly even being hired for a job. We have the skills needed to put you on a plan that will raise your credit score significantly within six months to a year!
  2. Paying a lower mortgage payment each month – The biggest payment many of us have every month is our mortgage payment. This can quickly drive many people to foreclosure as rising costs of living escalate. Luckily, it doesn’t have to come to that. Veitengruber Law knows how to negotiate with lenders in order to change the terms of your mortgage agreement.  If you’ve had a change in your life that has caused you to have difficulty paying your current mortgage (job loss, divorce, decreased home values) – we can get your payment down to an affordable number.
  3. Filing for bankruptcy – If numbers 1 and 2 above just aren’t enough to get you above water, have no fear. In fact, bankruptcy is our original specialty, and we’ve had many, many hours of experience helping clients through to the other side of debt. We’ll help you determine whether you’d qualify for a Chapter 7 or Chapter 13 bankruptcy, and we’ll take you all the way through to a fresh financial future.
  4. Getting your home out of foreclosure – If you’re tiptoeing closer and closer to losing your home to foreclosure, or if you’re already receiving notices – we are the foreclosure defense team that you need. If keeping your home is important to you (while making your payments more affordable at the same time), we know exactly what to do! We have several tried-and-true foreclosure defense approaches that really WORK. Our firm has saved countless families from losing their homes to a foreclosure sale.
  5. Planning your Last Will and Testament – In order to ensure that your loved ones don’t have to face arguments over medical, financial or legal details after your passing, it is crucial that you set up a plan for them to follow now, while you are still able. Veitengruber Law will give you a personal and customized estate planning process depending on your specific needs, wants, assets and more.

Hopefully, today’s Friday Five has helped you to understand some of the areas where our firm holds a great deal of expertise and experience. For more information about any of the above areas, or to set up your free consultation meeting, give us a call anytime. If you feel more comfortable sending us a message, simply click here. We look forward to talking with you and, most of all, HELPING YOU move toward a healthier financial future!

 Image Credit: W. Shein