There is a myth that debit cards are less secure in the event of theft or fraud. You do need to read something about money at least once a year. Wealth doesn’t just happen You don’t need to apply to Harvard to get an MBA with a specialization in finance. Every year, take a little time to educate yourself on personal finance.It ensures your money goes where you would want it to go. You need insurance for the following items (depending on your situation and the health benefits you receive in your country): Auto and homeowner insurance, life insurance, long-term disability, health insurance (The number one cause of bankruptcy today is medical bills), long-term care insurance.A lender who doesn’t get paid can correctly sue the parties to the loan, including you. If you are going to leave a marriage, make sure that all debts are refinanced out of your name or force the sale of the item So sell the house or refinance it as part of the divorce, period.ĭivorce decrees do not have the power to take your name off credit cards and mortgages, so if your spouse doesn’t pay, be ready to.Debt-management companies tend to advise this ‘solution’ prematurely. Avoid declaring bankruptcy if at all possible.You could invest the money for a much better return. Preplanning the details of your funeral is wise, but prepaying is unwise.Don’t use debt consolidation, it doesn’t get at the root of the problem.Do not buy a new car, or lease a car (this is hard for some, but crucial).He gives the following rules for those wishing to make a change: He stresses the fact that improving one’s financial situation is 80% psychological and about forming new habits and thinking patterns. ? SUPPORT BESTBOOKBITS BY CLICKING THE LINKS BELOWīefore beginning the program, Ramsey asserts the need to “re-educate” in the arena of personal finance. ? MY FREE BOOK TO LIVING YOUR DREAM LIFE”
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