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  • Money Management & Financial Budgeting: 2 Books in 1

  • A Beginners Guide on Managing Bad Credit, Debt, Savings and Personal Finance
  • By: Robert Anderson
  • Narrated by: Sam Slydell
  • Length: 6 hrs and 25 mins
  • Unabridged Audiobook
  • Categories: Money & Finance, Personal Finance
  • 5.0 out of 5 stars (39 ratings)

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Summary

Money Management: Turn Bad Credit into Good Credit:

It seems that everywhere you turn, someone wants to know your credit score. It doesn’t matter if this is you or someone from your bank. Many landlords will even run a potential renter’s credit as this will usually give them insight as to whether the person will pay their rent. The landlords will also have guidelines to use in order to tell you if you are approved or not approved based on your credit score. While some may allow you to have a cosigner if you are not approved, they will also want to run your co-signer’s credit report. 

This is often frustrating to many people, especially when you are trying to repair your credit. It can make you feel that you are never given a break or that your identity is now your bad credit. 

It doesn’t have to be this way. In fact, the more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom. 

Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life. 

The problems you have with your credit score can be very dramatic, and you might not be fully aware of what affects your credit score or how valuable it is to you. 

Those people who pay off their debts and lines of credit with on-time payments will be more likely to have better credit ratings. There are many things relating to your credit score that should be explored that go well beyond just your payment history.

Financial Budgeting:

Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money. 

Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next year's principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years. 

Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment. 

Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that’s how we often find ourselves overspending. 

To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10 percent of your income. A safety net is essential for your peace of mind. 

Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don’t view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.

©2019 Robert Anderson (P)2019 Robert Anderson

What listeners say about Money Management & Financial Budgeting: 2 Books in 1

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Loved it.

Really helpful guide to sort your finances out and to prepare you in order to take full advantage of your decisions when starting your investment journey!!!

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Very very informative

Read well and a lot of information highly recommend! Especially the saving techniques it’s so simple you’ll slap yourself

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Highly recommended

This book really made me wake up to an illusion of a lifestyle I was living it allows you to really separate your needs from your wants and live life happy.Has a down to earth way of getting his point across. Many good points to make a person think. Personally I agree with his approach to money and his ideas about getting rid of debt and saving. Aside from that highly recommend this book.

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It Turned My Financial Life Around

This book has been very influential over me.This book became my primary roadmap for creating and following a budget, and getting out of debt.This book is not just a list of tips on being frugal. It is more of a meta-analysis about how to prioritize needs and slowly work toward big goals. It does not focus on building "wealth," but rather on getting out of debt and living within your means.

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Great on changing your habit and the way you think

This audiobook gave me a lot to think about. I have reconsidered the way I spend using the guidelines presented in the book.It is easy to understand. Methods and ideas are expressed clearly. Excellent tips for saving and penny pinching without feeling like you're cutting yourself short or sacrificing anything. Gave this to a graduating senior to help get her started on the road to financial freedom.

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Awesome Reference for Me!

Simple to follow and a very good instruction on how to get your budget in order. I’m starting now! A very good place to start if you need help.This is a great book on how to budget and change one's attitude about the money earned and spent positively.Good practical tactics to follow. What I really got out of the book was to look long and hard about How I spend my money and if what I spend my money on is what I truly value.

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xYou NEED this.

What a great guide! It really feels like you have Robert speaking some much needed money sense right next to you. So far the guide has helped me write down a budget.This book gives you the information you need to help you get your finances in order without being so boring it looses your attention like a lot of books in it's field! I recommend this audiobook to everyone.

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AMAZING book- would recommend to anyone.

This book is AMAZING!! For years I have been trying to figure out a better way to manage my money and in this audiobook I have already learned so much. I can't wait to actually put these tips into use and start saving for my future!. I am absolutely the person who needs an easy how-to on everything - not because I'm dumb - but because, lets face it, money management can be very overwhelming.Robert Anderson takes all of that way. I highly recommend for anyone who struggles to get off that month-to-month grind.

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So helpful!

Proper money management is what I've been lacking for so many years, and after reading this book I can't believe it took me so long to realize that it's the key to trading success.Such a helpful tool to keep you organized financially. Really helps you stay on top of bills and finances!

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Informative & accesible

I was surprised by how much I enjoyed this book. The book is full of practical advice about saving, wealth-building.It far exceeded my expectations by being really useful, giving solid personal finance advice, and action steps including specific how to's. It also helped me to finally understand financial terms that have been going over my head.

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  • Catherine
  • 15-11-19

To those who want to be debt free

In the first few chapters of this book, you will figure out the best way how to manage your money better. All I can say is that this book is GREAT. Topics are explained in its simplest forms but it is really effective. I love this book and I greatly recommend it to all of you!

4 people found this helpful

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  • grimm
  • 17-11-19

TRULY A KEEN

I loved all the helpful tips and ideas that had been discussed. From the first chapter until the end, Saving Money has a lot of great tips and tricks to making your money last. It is especially helpful for those who are in school or just starting out their career!

2 people found this helpful

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  • Janet
  • 15-11-19

Valuable information

This book will not just change your perception about your finance but also it could change your entire life and the way you live. The author provides more than enough techniques and advice. It helped me to manage my own money than spend it to unnecessary things. I love it, and I would recommend it!

2 people found this helpful

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  • DON
  • 13-11-19

Different approach to money management

What I like about this book is that is not only about how to manage personal finance. It's also about challenging the way people think about money and how to make money. In today's society, people won't get ahead by just following a money management plan, but by mastering it and increasing income.

2 people found this helpful

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  • Carl Rancourt
  • 15-11-19

Informative

A great book with a lot of things discussed not just about managing your own money but also it tackles about how to get away from debts and how to control oneself from spending too much. This book is worth listening. It will change your perspective on how to handle your money. The author did a great job of presenting all the pieces of information needed.

1 person found this helpful

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  • N. Schick
  • 14-11-19

A good start for personal money management

This book covers a wide range of topics that are very useful for you to have extensive knowledge especially when it comes to your personal financial plans. The lectures give beneficial ideas on how to manage your own money and how it should be allocated. Every information is very relevant. Highly recommended.

1 person found this helpful

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  • Peter
  • 11-11-19

This book will change your life!

Superb book. The information contained within these Audible will truly change your life, as long as you're willing to listen to Robert Anderson's message and alter your mindset about money.

1 person found this helpful

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  • Brandie Nicole Runyon
  • 28-05-21

VERY HELPFUL LISTEN

Will keep this set and love it helps inspire me to futher my education in business management and in psychology as well! Thank you for writing this💖

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  • Lee Ann
  • 27-05-21

lots of valuable information

loved it. lots of easy steps to take. budgets r easy to set up and follow with the information from this book. not as stressful as I thought they would be.

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    4 out of 5 stars
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  • GINZA PIANTINIS
  • 12-07-20

Basic money management book

I love it. very basic but very detailed. explained very well. I wil definitely recommend