This is my OER guide to very basic concepts of personal finance and making your money work for you. Note that this is not designed to be a comprehensive text for business professionals. The idea is to help low-wage earning public servants live a comfortable lifestyle within their means, both during their working years and in retirement.
This work is licensed under an Open Educational Resource-Quality Master Source (OER-QMS) License.
Table of Contents
Section 1: INTRODUCTION TO FINANCE
- Section 1.1: The High Cost of Helping
- Section 1.2: Your Career
- Section 1.3: Thinking About Money
- Section 1.4: Love and Money
- Section 1.5: Planning for the Future
SECTION 2: BIG TICKET ITEMS
- Section 2.1: Houses
- Section 2.2: Vehicles
- Section 2.3: College
- Section 2.4: Fun and Toys
- Section 2.5: Living the Good Life
Section 3: DEBT
- Section 3.1: Credit Scores and Cards
- Section 3.2: Student Loans
- Section 3.3: Mortgages
- Section 3.4: Personal Loans
- Section 3.5: Taxes
Section 4: SAVING
- Section 4.1: Your Emergency Fund
- Section 4.2: The Magic of Compounding
- Section 4.3: Your Retirement Plan
- Section 4.4: Capital Preservation
- Section 4.5: Your Mad Money
Section 5: BUDGETING
- Section 5.1: Where is My Money Going?
- Section 5.2: How to Budget
- Section 5.3: The Importance of Value
- Section 5.4: Being Frugal
- Section 5.5: Defining Risk
Section 6: Investing
- Section 6.1: Bonds
- Section 6.2: Annuities
- Section 6.3: Commodities & Options
- Section 6.4: Real Estate
- Section 6.5: Stock Funds
What to help keep this site and my OER running? See the About Us page for links to donate.