Financial Wellness by Karen Hunter: Library Resources

A "witty yet hard-hitting" look at the symptoms, causes, and cures for America's addiction to buying more stuff (Library Journal). NEW EDITION, REVISED AND UPDATED affluenza, n. a painful, contagious, socially transmitted condition of overload, debt, anxiety, and waste resulting from the dogged pursuit of more. We tried to warn you! The 2008 economic collapse proved how resilient and dangerous affluenza can be. Now in its third edition, this book can safely be called prophetic in showing how problems ranging from loneliness, endless working hours, and family conflict to rising debt, environmental pollution, and rampant commercialism are all symptoms of this global plague. The new edition traces the role overconsumption played in the Great Recession, discusses new ways to measure social health and success (such as the Gross Domestic Happiness index), and offers policy recommendations to make our society more simplicity-friendly. The underlying message isn't to stop buying-it's to remember, always, that the best things in life aren't things. "It is not a book that shakes a finger in our faces and reprimands hardworking Americans for wanting a little more comfort, elegance, and enjoyment... it creates something of real value-a new way of accounting for true happiness in our lives." -Scott Simon, Weekend Edition host, NPR "Affluenza is a sober indictment of the excesses and sheer waste in our increasingly consumer-oriented society. We would all be well served to read the book and pass it on to relatives, friends, and neighbors in the hopes of creating a great public conversation around how to eradicate the affluenza pandemic." -Jeremy Rifkin, author of The Third Industrial Revolution

Every parent wants the best for their child. That's why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That's why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.

As many developing countries are facing increasingly higher levels of debt and economic instability, this interdisciplinary volume explores the intersection of sovereign debt and women's human rights.Through contributions from leading voices in academia, civil society, international organisations and nations governments, it shows how debt-related economic policies are widening gender inequalities and argues for a systematic feminist approach to debt issues. Offering a new perspective on the global debt crisis, this is an invaluable resource for readers who seek to understand the complex relationship between economics and gender.

Women, and particularly poor women, have become essential cogs in the wheel of financialized capitalism. Globally, women are responsible for managing household debt, and that debt has exploded over the last decade, reaching an all-time high after the COVID-19 pandemic. Across various categories of loans, including subprime lending, microcredit policies, and consumer loans, as well as rent and utilities, women are overrepresented as clients and managers, and are being enfolded into the system. The Indebted Woman discusses the crucial yet invisible roles poor women play in making and consolidating debt and credit markets. Isabelle Guérin, Santosh Kumar, and G. Venkatasubramanian spent over two decades observing a credit market that specifically targets women in the Indian countryside of east-central Tamil Nadu. They found that paying off debts required labor, frequently involved sexual transactions, and shaped women's bodies and subjectivities. Bringing together ethnography, statistical surveys, and financial diaries, they offer for the first time a comprehensive theory for this sexual division of debt that goes far beyond the Indian case, exposing the ways capitalism transforms womanhood and how this transformation in turn fuels capitalism.

In recent years, household indebtedness in the United States reached its highest levels in history. From mortgages to student loans, from credit card bills to US deficit spending, debt is widespread and increasing. Drawing on scholarship from economics, accounting, and critical rhetoric and social theory, Kellie Sharp-Hoskins critiques debt not as an economic indicator or a tool of finance but as a cultural system. Through case studies of the student-loan crisis, medical debt, and the abuses of municipal bonds, Sharp-Hoskins reveals that debt is a rhetorical construct entangled in broader systems of wealth, rule, and race. Perhaps more than any other social marker or symbol, the concept of "debt" indicates differences between wealthy and poor, productive and lazy, secure and risky, worthy and unworthy. Tracking the emergence and work of debt across temporal and spatial scales reveals how it exacerbates vulnerabilities and inequities under the rhetorical cover of individual, moral, and volitional calculation and equivalency. A new perspective on a serious problem facing our society, Rhetoric in Debt not only reveals how debt organizes our social and cultural relations but also provides a new conceptual framework for a more equitable world.

We live in the most advanced society in history... and yet we have less time and less money than ever before. The gap between financial stress and financial peace is littered with traps, myths, distractions and slick marketing designed to keep you brainwashed and in debt. In Breaking Free from Broke , George does the research for you and exposes the money myths and traps about: Credit cards and credit scores Student loans and car loans Mortgage mishaps and mistakes Investing and get-rich-quick schemes Marketing and consumerism tactics In his own voice, George shares the story of how he broke free from debt and went from a negative net worth to a millionaire in less than 10 years. Like George, nothing about this enhanced audiobook is normal. And that's a good thing! It features exclusive content you won't find anywhere else, like: Guest voice appearances by Dave Ramsey (and others) Sound effects and music throughout Recorded phone calls with people interviewed in the book By the time you're done with this audiobook, you'll be confident in your ability to buck the toxic money system, ditch debt, and build wealth.

Earning, Saving, and Investing examines how people can find work that fits their interests, budget their income, and use investment options to help them make more money. Features include worksheets, key takeaways, a glossary, further readings, websites, source notes, and an index. Aligned to Common Core Standards and correlated to state standards. Essential Library is an imprint of Abdo Publishing, a division of ABDO.

How to get good with money, even if you have no idea where to start. The Financial Diet is the personal finance book for people who don't care about personal finance. Whether you're in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn't just about what you put in the bank. It's about everything--from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary. The Financial Diet will teach you: * how to get good with money in a year. * the ingredients everyone needs to have a budget-friendly kitchen. * how to talk about awkward money stuff with your friends. * the best way to make (and stick to!) a budget. * how to take care of your house like a grown-up. * what the hell it means to invest (and how you can do it).

The International Bestseller New York Public Library's "Top 10 Think Thrifty Reads of 2023" "This book blew my mind. More importantly, it made financial independence seem achievable. I read Financial Freedom three times, cover-to-cover." -Lifehacker Money is unlimited. Time is not. Become financially independent as fast as possible. In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him "the Millennial Millionaire." By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it's obsolete. Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative- forget everything you've ever learned about money so that you can actually live the life you want. Sabatier offers surprising, counter-intuitive advice on topics such as how to- * Create profitable side hustles that you can turn into passive income streams or full-time businesses * Save money without giving up what makes you happy * Negotiate more out of your employer than you thought possible * Travel the world for less * Live for free--or better yet, make money on your living situation * Create a simple, money-making portfolio that only needs minor adjustments * Think creatively--there are so many ways to make money, but we don't see them. But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise- You need less money to "retire" at age 30 than you do at age 65. Financial Freedom is not merely a laundry list of advice to follow to get rich quick--it's a practical roadmap to living life on one's own terms, as soon as possible.

Whether you're opening a bank account or taking out a loan, knowing how to manage your money is an incredibly helpful skill. Be smart with your hard-earned income by developing good savings habits and using credit cards responsibly. If you have debt, learn how interest works and create a budget to pay it off. With a few basic money management skills, you can help set yourself up for financial success. Combining practical content with visual appeal, the Life Skills Handbooks read more like magazines than books. These 120-page handbooks are designed to teach life skills to today's teens in an approachable and non-threatening way. Realistic scenarios help teens grasp the relevance of the information in these books, and tables, graphs, and charts add to students' understanding. Essential vocabulary is featured to help students build real-world literacy.

So no one taught you about money, either? Let's figure this me$$ out together. In this illustrated, deeply unserious guide to money, Berna Anat-aka the Financial Hype Woman-freaks out her immigrant parents by doing the unthinkable: Talking about money. Loudly. Because we're done staying silent, anxious, and ashamed about our money. It's time to join the party and finally learn about all the financial stuff that always felt too confusing. Stuff like: How to actually budget, save, and invest (but also make it fun) How our traumas shape our most toxic money habits, and how to create new patternsHow to build wealth in a system designed to keep us broke How to use money to fund our biggest dreams-and change the world No more keeping our money on mute. It's time to grab the mic.

STUFF I WISH I KNEW EARLIER: LIVING YOUR CAREER POTENTIAL - YOUNG PROFESSIONAL EDITION continues the journey in the SIWIKE movement. Luki is back, and this time he's brought along four other contributing authors to create a unique guidebook for those who have just entered the working world. With topics like job interviews and salary negotiations, personal finance, essential life skills, self-care and much more, Stuff I Wish I Knew Earlier will help you maximize your potential to reach new heights. Through clear language and inspiring stories, Luki, Dave, Shalini, Paulson and Tiffany break down experiences from within their respective professions and share life-accelerating tips, strategies and information that will truly help you live your best life. "What should I expect after I graduate? Or after I've been working for a while? As I climb the corporate ladder? What about looking for a partner and settling down? Or putting a down payment on a home and starting to save for retirement?" If you have ever wondered about any of these questions, SIWIKE: Living Your Career Potential is the resource you need. Packed with information from five different industry leaders, this book will help you navigate the working world and plan for the future by overcoming blind spots and opening your eyes to what you didn't know you needed to know. Think of us as your personal team of life coaches, dedicated to helping you anticipate problems and live your best life. We cover all of the major milestones, including: landing your first full-time role after graduation, "adulting" (which includes things like saving for retirement, buying a home), growth (which includes health and self-care practices) and relationships (including family, friends and significant others). Join us in the movement to weave mentorship into the fabric of society and let us help you unlock your career potential!

Bestselling 5 Star Graduation Gift for both College and High School grads! Recommended by eBay, Forbes, Lifehack, Elite Daily, Real Simple and Bustle. Why do high schools and colleges require students to take courses in English, math and science, yet have absolutely no requirements for students to learn about personal money management?Why Didn't They Teach Me This in School? 99 Personal Money Management Lessons to Live By was initially developed by the author to pass on to his five children as they entered adulthood. As it developed, the author realized that personal money management skills were rarely taught in high schools, colleges and even in MBA programs. Unfortunately, books on the subject tend to be complicated, lengthy reads. The book includes eight important lessons focusing on 99 principles that will quickly and memorably enhance any individual's money management acumen. Unlike many of the personal money management books out there, this book is a quick, easily digested read that focuses more on the qualitative side than the quantitative side of personal money management. The principles are not from a text book. Rather, they are practical principles learned by the author as he navigated through his financial life. Many are unorthodox in order to be memorable and provoke deeper thought by the reader.Not only an excellent graduation gift for high school and college students but also a great read for any adult! ALSO AVAILABLE IN SPANISH - "POR QUE NO ME ENSENARON ESTO EN LA ESCUELA?"

College gets more expensive and more competitive every year, adding background stress for every forward-thinking parent. Will our child get into the school that's right for them? Will they be happy there? And how on EARTH are we going to pay for all this? Now, this comprehensive practical guide gives parents the know-how they need to navigate the complicated, frustrating, and expensive process of college admissions. How to understand the common app, early decision vs early action choices, and whether standardized tests still matter. How to help your children find schools that are best fits for them, and create a realistic shortlist. How to produce an application that makes admissions departments sit up and take notice…including those dreaded essays. Bonus: A special section on 2022 scholarships: what’s available, who’s eligible, and where to apply. For anybody about to apply to college—and the parents who love them—this one-stop information source provides everything they absolutely need to know to get it right.

Adjusting to college: we're not in high school anymore! : High school is not college ; College involves freedom and responsibility ; The road to success ; Attitudes and resources for students -- Connecting to resources: people, places, and things : People ; Places : Things (technologies) -- Learning and grades: why am I really in college? : How do we learn? ; Why do we learn? ; I've learned something: now what? ; Individual learning preferences ; Orientation to learning ; Learning preferences and strategies ; Discovering your own learning preferences ; Practice what you have learned -- Getting organized: plan your work and then work your plan : Time management: a myth ; The study plan ; The alphabet approach -- Listening and taking notes: do you hear what I hear? : Listening for success ; Taking notes for success -- Reading textbooks: what they never taught you in kindergarten! : What is reading? ; Why textbooks? ; How to read a textbook ; Road signs for reading ; Responding to new vocabulary -- Writing college papers: I have a paper due! : Guidelines for college writing ; Resources for college writing ; Planning the college-level paper -- Psychological balance: walking the tightrope : Balance defined ; Elements of balance ; Maintaining psychological balance -- Physical balance: an apple day : Elements of physical balance -- Managing your money: cashing in on the college experience : The value of a college education ; Money for college ; Money for every day: buying goods and services ; Managing money ; Managing credit and debt ; Planning your future: what courses should I take? : Graduation requirements ; Designing your long-term graduation plan -- Appendix : Answer key for reading comprehension questions.

The Cost of College discusses the types of education people can pursue after high school, explores tuition costs for both public and private schools, and explains how to search for financial aid, scholarships, and grants. Features include worksheets, key takeaways, a glossary, further readings, websites, source notes, and an index. Aligned to Common Core Standards and correlated to state standards. Essential Library is an imprint of Abdo Publishing, a division of ABDO.

Almost 50 million Americans have cumulatively borrowed more than $1.5 trillion to attend college. Roughly one-third of all adults aged 25 to 34 have a student loan. In Education without Debt businessman and philanthropist Scott MacDonald examines the real-life impact of crushing levels of student debt on borrowers and what can be done to fix this crisis. Weaving together stories of debt-impaired lives with stories of personal success achieved with the essential help of financial aid, MacDonald reveals the devastating personal and societal impact of the debt problem and offers possible solutions. He explores the efforts of colleges and private philanthropists to make education affordable and relates his own experience of funding financial aid for need-eligible students at five universities. Education without Debt is a must-read book for anyone concerned about the rising cost of education and what to do about this critical policy and societal issue.

Discover a concrete financial plan to finance a college education Financing a college education is a daunting task no matter what your circumstances. Bestselling author and personal finance expert, Eric Tyson offers tried and true strategic advice on how to understand loans, know your options, and how to improve your financial fitness while paying down your student loan debt. Armed with the checklists and timelines, you'll be able to: Figure out what colleges actually cost Get to know the FAFSA® and CSS Profile(TM) Research scholarship opportunities Quickly compare financial aid offers from different schools Find creative ways to lighten your debt load Explore alternatives such as apprenticeships, online programs Paying for College For Dummies helps parents and independent students navigate everything from planning strategically as a married/separated/divorced/widowed parent, completing every question on the FAFSA and CSS PROFILE forms, understanding tax laws, and so much more. No other book offers this much practical guidance on choosing and paying or college.

The hugely popular New York Times "Your Money" columnist and author of the bestselling The Opposite of Spoiled offers a deeply reported and emotionally honest approach to the biggest financial decision families will ever make: what to pay for college. Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers. While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don't know (or are afraid) to ask and summarizes the research about what matters and what doesn't. Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent. Supplemental enhancement PDF accompanies the audiobook.

Are you from a middle-class household and you want to win a scholarship to help with college expenses? Are you finding it impossible to find scholarships for college that are not based on financial need? Do you want to find merit-based scholarships? Are you wondering if scholarships exist for students living in a higher income household? Scholarships for Middle Class Students answers all of these questions and more! Many believe scholarships are only available to students and families who have significant financial need. Often students from middle class families don't qualify for many of the need-based scholarships. However, they still can't afford college without a significant amount of student loans. This student loan debt can sometimes put them at a major disadvantage. In Scholarships for Middle Class Students, Marianne Ragins, $400,000 scholarship winner and popular workshop leader identifies scholarships, prizes, and awards you can earn even if you do not have financial need. From achievement and merit-based scholarships to significant monetary prizes you can win in contests, Scholarships for Middle Class Students can help you fund the college education of your dreams, minimize student loans, and reduce the potential strain on parent savings or retirement accounts.

Marianne Ragins, the publisher of and winner of more than $400,000 in scholarship money, presents the latest revision of Winning Scholarships for College, Fifth Edition. Containing numerous scholarship and college money resources, this classic guide will show you the path to scholarship success. With this newest edition, Marianne uses her knowledge of being a scholarship applicant, a mega scholarship winner, a scholarship committee judge, a scholarship sponsor, and a scholarship coach to help you get scholarships for college too! With over 300 pages and nearly 40 chapters jam-packed with information, this is one of the most comprehensive books on winning scholarships available, revealing where and how to search for funds, and containing step-by-step instructions for the entire application process. This easy to use college readiness resource is a must-have for all students in search of college money to fund their educational dreams. The fifth edition has information on hundreds of academic scholarships - from the most well-known resources to smaller, more localized funds. This fully loaded educational resource guides readers through the use of the Internet and social media in their scholarship search, and gives detailed suggestions for essays with examples from the author's own highly successful scholarship search. Winning Scholarships for College also has special chapters focused on helping all types of students pay for college including - scholarships for middle class students - scholarships that do not require an essay - scholarships for home schooled students - scholarships for students without an A average - scholarships for students as young as age six - scholarships for minority students - scholarships for current college students - scholarships for nontraditional students - money for graduate school and more.

Discover the ultimate guide to achieving financial freedom with "Retire in Style," a comprehensive resource that equips you with smart planning strategies, the magic of compounding interest, and effective budgeting techniques. Explore various retirement accounts, investment opportunities, and tax-minimizing strategies to secure your financial future. Start your journey toward a fulfilling retirement by mastering the art of financial control and embracing frugal living today!

Money can't buy you love...but it can sure make life a little sweeter. This title will give readers a comprehensive guide to getting rich and staying there. Calling on experts from all over the world of wealth—investment gurus, financial analysts, money magazine editors, top bloggers—we'll provide readers with invaluable inside tips on how to earn more money, set budgets they can keep, invest wisely, pay down debts, minimize taxes, and retire like a king. Is cryptocurrency a scam...or the future of money? When you win the lottery, should you take the lump sum or the annual payout? Can you really trust banking apps? If you've ever wondered what rich people know that you don't, it's time to level the playing field.

For more than a century, Kiplinger has provided personal finance insights, investing advice, and business forecasts to readers looking to improve their financial security and understanding. From the fundamentals of finances to the need-to-knows of retirement, Kiplinger offers advice for readers spanning all stages of life.

Try these dollar-stretching strategies to help you save on everything from groceries to gas, beauty products to health care—and even entertaining.

Money magazine is Australia’s longest-running, highest-selling and most-read personal finance magazine. Money magazine provides credible, independent, easy-to-understand financial advice to help its readers save money and make the most of their investments.

Personal Finance quarterly magazine is the only publication in South Africa dedicated to giving you the information you need to manage your money wisely and grow your wealth. It is targeted at middle- and upper-income groups, at people established in their careers with families, and retirees. It also appeals to an aspirational younger generation, who are starting out in life and need guidance on managing their finances. The magazine contains in-depth, well-researched feature articles covering all aspects of personal finance: investments, insurance, retirement, banking, credit and debt, medical aid, financial planning, estate planning and wills.