Money Sucks! Money Strategies for Real Life
Edition: 2nd
Publisher: Green Elms Press
Published: 2008
Language: eng
Format: Paperback
Number of pages: 88
ISBN-13: 9780977905829
Subjects: budget, money, bank account, credit, credit cards, bank, checking, debt, bounce, saving, identity, theft, shopping, late fee, W-4, tax, taxes, job, save, credit score, college; Business & Economics / Budgeting; Business & Economics / Finance
Genres: Non-fiction
First sentence: When you move into a house or apartment for the first time, you need a few tools around, like a couple of different screwdrivers and a hammer and some nails. Well, when you begin handling money for yourself, there are some basic ideas, plans and concepts that will help keep your financial “house” in order, too.
Description: A must-have book for young adults, aged 17-23. This concise, easy to read guide includes light-hearted one-panel cartoons that gives a little lift of humor to each chapter. The overall feeling of the book is that financial information isn't that scary, and you really can manage your money successfully. But, yup, it takes work to do it (and that sucks).

Brisk details on how to create a budget, make a savings plan, and determine your income and expenses combine with instruction in how to balance a checkbook, manage a credit card and keep your identity safer. Money Sucks! provides a jump start to a young person’s personal finance habits that is accessible and transformative.
Notes: Back Cover:
        Did anyone teach you to balance your checkbook? Do you know what identity theft is and ways to keep safe? Do you know your credit score?
	If your answer to any or all of those questions is "No" then this slim volume of easy-to-understand explanations and information is for you! Sure, there are bigger, heavier books crammed with information and facts and tips. But you haven't read them, have you? You still need to know the information. Maybe you've already gotten into some bad money habits and don't know how to fix them. 
	It sucks to have to keep receipts and balance checkbooks and make budgets, but when you do, you'll gain mastery over your financial situation and will learn this simple rule: 

Planning = Power = Savings = Financial Health
Table of contents: title: Introduction; title: Chapter 1: Starting Out — Adult Responsibilities 1; title: Make a Budget 1; title: Pay Taxes 7; title: Save: Short Term, Long Term & Retirement 9; title: Write It Down 12; title: Chapter 2: Getting a Job 15; title: Bring the Right Identification 15; title: Know Your W-4 17; title: Direct Deposit 21; title: Chapter 3: Keeping Track of Your Money 23; title: What a Bank Does 23; title: Depositing Checks 24; title: Balance Your Checkbook 27; title: Chapter 4: Using Credit Cards 33; title: How Credit Card Companies Make Money 33; title: How Credit Card Interest Works 33; title: How “No Money Down — No Payments for 12 Months” Works 35; title: The Best Way to Keep Your Credit Cards — Empty 36; title: Manage Your First Credit Card 36; title: Keep Your Receipts 37; title: Chapter 5: Knowing Your Credit Score 39; title: How to Have a Good Score 40; title: What Makes a Bad Score 40; title: How to Fix Problems 41; title: Chapter 6: Paying Late – Only When You Have To 45; title: Tell People You Owe Money To That You Will Be Late 45; title: Keep Your Word 47; title: Know the Consequences of Bad Money Handling 47; title: Stay Away From Bankruptcy 49; title: Research Your Bankruptcy Options 51; title: Chapter 7: Saving Through Better Shopping 53; title: Research When You Can 53; title: Look at Labels 54; title: Many More Ways to Save 55; title: Chapter 8: Keeping Your Personal Information Safe 59; title: Even Children Have Their Identities Stolen 60; title: Several Ways to Be Safer 60; title: Opt Out 62; title: Chapter 9: Taking Charge of Your Money 65; title: Glossary 67; title: Addendum: For More Information On These Topics 71; title: Index 74