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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
  • Categories: Money & Finance, Personal Finance
  • 5.0 out of 5 stars (106 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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Lots of things learned

Lots of things learned in this two in one money management and financial budgeting audiobook. Robert Anderson laid out the methods well in a concise and easy to follow guide. A wonderful book to listen!

1 person found this helpful

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Love it

When it comes to budgeting your money it's quite difficult if it's on your hand, sometimes your are tempted to buy even it's not your needs but only wants. I remember a saying, "Buy what you need and not what you want." This book will teach that way to properly manage and use your money. Amazing!

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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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I have found a financial book that finally makes s

Robert explains in simple ways methods that can help anyone to reach financial freedom. It's a really motivating book and gets you pumped whenever you lose track of your financial goals.

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brilliant!

I feel confident I know how to plan for the future, spend my money correctly and have an idea of how I'm going to start investing so I can live the high life.

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Building and Improving Your Personal Credit.

Extraordinary book with bunches of incredible tips to improve your credit. Heaps of authoritative assistance to respond to every one of your inquiries and give the help required. I have a positive involvement with the book and the organization all in all.

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A useful tool for changing your spending habits

I thoroughly enjoyed listening to "Money Management & Financial Budgeting". I found it to be practical and easy to follow. I've already begun using the instructions for getting out of debt and I feel more positive about getting out of debt. I never realized how straight forward getting out of debt could be.

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Good job Sam Slydell

Sam narrated the whole book excellently! it is one of the best performances as a narrator so far! so glad Audible released this audiobook.

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Outstanding!!

This book is superb for anyone who is looking to take control of their financial future. The author uses simple language and clear examples to highlight the core principles of effective investing to increase wealth. Would highly recommend it.

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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!

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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!

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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.

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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.

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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.

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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

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  • Utilisateur anonyme
  • 17-11-19

Save more, Spend less!

This book taught me to save more and spend less! This is a must especially when we want to win over our debts. Totally a "must listen" audiobook. I love it!

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  • Gina Browning
  • 17-11-19

A great thumbs up!

I love the narration. This book inspired me to take hold of my finances. Indeed an effective and worth listening to.

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  • Utilisateur anonyme
  • 17-11-19

Effectively written

The descriptions are effectively written and it's very easy to understand and the tips are easy to follow. I enjoyed listening to the chapters. I'm going to implement these in my own lifestyle.