Zen and The Art of Personal Finance

by Johnny Sprang

Overview

A tremendous number of people are having money problems, having way too much debt, and they never seem to make any financial progress to get ahead of the game. Bankruptcy is at an all time high across the country. There are more foreclosures now than any other time in United States history. In Zen and The Art of Personal Finance you will learn about budgeting and money mindset. Finances and budget items can change spontaneously and unexpectedly. As your family dynamics change so do your finances and budget controls. You will learn about the four financial groups and how money troubles start. Making your money work most efficiently requires discipline and a mindset to take positive action. You will understand how to get your spending under control and gain a better understanding regarding your household finances. If you have children it is a good idea to teach them the value of money and saving for things they really want. This book will give you practical advice in teaching your children about money and give you the keys to a balanced financial life. Getting your finances and debt under control means you have to take responsibility. You can't rely on someone else to do it for you. After all no one cares more about your money than you do. Credit bureaus are kind of a necessary evil. You have to deal with them so you might as well try to understand them. You will learn where to get your free credit report, how credit bureaus work, and what's in your personal credit file. Credit is an area of your financial life that needs continuous updating and tweaking. One reason is for accuracy. You will gain an understanding of how inaccurate information gets reported and what to do about it. This book will give you information on contacting the credit bureaus and the credit laws. Reading and trying to understand the Fair Credit Reporting Act can be somewhat daunting for most but it would still be in your best financial interest to do so. You will learn how long negative items stay on your credit report and what you can do about it. You will also learn how credit inquiries can have a negative effect on your credit score and give you an understanding on what your credit score means. There isn't anything that anybody else can do for you that you cannot do for yourself, you just need to know what and how, and to that end you will learn about the dangers of credit counseling and repair companies. There is practical advice on what you can do to improve your overall credit picture.

Product Details

BN ID:	2940148230472
Publisher:	Sprang Publishing Company
Publication date:	02/11/2014
Sold by:	Barnes & Noble
Format:	eBook
File size:	149 KB

About the Author

Johnny Sprang is the owner and chief editor of Sprang Publishing Company. The mission of Sprang Publishing is to provide you with excellent quality information designed to help you improve the quality of life. Currently he publishes his own writings and material but that may change in the near future.

Johnny is a family man and retired business professional. His resume includes many years of active service with the United States Air Force during and after the Viet Nam War and with the United States Navy Reserve during college. He has also been a business manager, professional sales representative, account executive, insurance agent, and mortgage broker.

In addition to writing on topics that he is passionate about, Johnny spends most of his time enjoying his family and grandkids, on nice days he goes hiking or walking through the woods, and practices Tai Chi. Johnny studies and practices the martial arts he learned while living in Japan when he was in his mid twenties. He has studied Judo, earned a brown belt in Shotokan Karate, and a black belt in Korean Hapkido. Johnny’s creative interest, and probably his number one passion is songwriting. Country, Southern Rock, and Folk music are his tastes. He currently has a CD of songs he has co-written with a good friend and recorded by a popular band in Nashville, Tennessee, and another CD planned for release next year.

The books that Johnny writes cover topics that nearly affect everyone and are based on his own education, experiences, and experiences of others. The titles of the books in this series are listed at the end of this book.