The Ultimate Woman: 13 Ways to Handle Your Money Like a Bad Ass Chick

• Saving Ca$h
• Getting Your Money Organized
• Wiping Out Debt
• Real Life Budget
• Acquiring Assets
• And so much more….

Oh, money. It makes the world go round, right? Despite what everyone says, money really can buy happiness at times. It may not be a fulfilling, long-term type of happiness, however, it can at least purchase short-term contentment and placate those obnoxious emotions.
Unfortunately, if you do not handle your money well, you can see the dark side of the dollar bill—the frustration of not being prepared or having enough to get by, the struggle of living paycheck to paycheck, etc.
As a society, the middle and upper classes in every country have a tendency of being spoiled – do not throw fruit at me, I am in there too. Most of our issues are really and truly “first world problems.” This says a lot about us as a society, but it also sheds some light on how we spend our money. However, it is also the silver lining of our cloud. If you have a tendency of having a lot of first world problems – that means that you should be able to cut back on your spending with no problem.
Personal finance is not just about cutting back though. It is about properly allocating your money (also known as spending your money on the things on your financial priority list). In order to convey the importance of proper allocation, I have broken the book down into thirteen different sections:
Chapter one is all about the first step of saving money—getting mentally prepared. Saving money is not just a physical thing, there is a mental aspect as well. If you are not mentally prepared, your budget will not last long. Be in the right state of mind and put things into perspective.
Chapter two is all about getting organized and filing away your financial records in a way that works best for you.
Chapter three will delve a little deeper into your personal life. In this chapter, I ask you four questions that will determine where you are in your financial planning, where you need help, where you are strong, and where you need to go in the future.
Chapter four is a short chapter about paying for unnecessary things. Allocating money is not just about paying bills. It is also about where you spend your money and where you save money. We pay for certain things that we should not – when we trim up our budget, these are the first cuts that we should be making.
Chapter five is about tackling the dreaded “D-word”: debt. I will go over your credit report, rating, why it is important, and how you can tackle your credit card debt without getting punched in the face.
Chapter six is about creating a budget that works for you. There are millions of plans out there and each is tailored to a specific person. Let us discuss the one for you.
Chapter seven talks about specific ways that you can cut back on your spending. It builds upon the information in chapter six. After you find out where your money currently goes and where it should go, you can start analyzing it further by cutting back on some of these things.
Chapter eight talks about your career and job. You cannot have a budget if you do not have money and you cannot get money without a job… or a sugar daddy. I will not go into the latter.
Chapter nine is all about fees and how you can avoid them. Yep.
Chapter ten talks about the bane of my existence: impulse buys. I was one of those people who got relief from shopping therapy. There are some tips in here that helped me control my shopping needs.
Chapter eleven quickly goes over some bargain hunting tips.
Chapter twelve talks about investing in your home. There are ten areas that I highlight, which will add to your home in both appeal and in value.
Chapter thirteen is a brief overview on investing.