3 Reasons to Buy Money Matters

Order Money Matters on Amazon.com

If you are looking to make some changes and get on track financially, Money Matters by Shay Olivarria is the book for you. There is a check-up for where you are with your financial goals. The book addresses savings; short term and long term. It tells you how to set up retirement accounts, investments, and how NOT to get into deep debt. This is great for those beginning their journey into the real world. Also, for those that have already messed up, Olivarria has steps on how to get back on track.

Olivarria creates a great guide for you to create your own individual plan to get out of debt and on the track to financial freedom. She states that you have to be patient and consistent. It is never too late to turn it around. I suggest you gift this book to college graduates. It is straight to the point and interactive.

This book was provided courtesy of the author for review.

DCSquared

 

#1 You want to know more about personal finance, but you’re not sure where or how to begin.

We all want to make better financial decisions. The challenge is that sometimes we’re not sure what to do or we have hard decisions to make where both options seem like bad ideas. We get so caught up in running from day to day that we forget that we can make changes if we take a moment to plan instead of react. Money Matters was written with that in mind. The very first worksheet is one page long and helps you see the bigger picture by asking a few simple questions.

#2 You are intimidated by personal finance jargon.

Have you ever tried to read a personal finance book or spoke with someone in the financial services industry and you didn’t understand what they were saying? Me too! Personal finance is not complicated, but it’s easy to make it seem complicated by using industry jargon. Money Matters is written clearly. I don’t try to confuse the reader by making things sound harder than they are. That’s why media outlets across the country have quoted me and asked me to write for them. I make money management simple.

#3 You want to know what you need to know to make things change.

Take a look at the Table of Contents from Money Matters in the image above. This book covers “just the facts ma’am”. There are tons of books that do into depth about any area of personal finance that you might be interested in. This is not that book. Money Matters is a bare-bones, simple read with worksheets to help you make good decisions about money. The book covers net worth, retirement planning, paying off debt, managing your credit score, payday loans, rapid tax refunds, and even saving money on your groceries.

 

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on Bankrate.com, FoxBusiness.com, NBC Latino and The Credit Union Times, among others. To schedule Shay to speak at your event visit www.BiggerThanYourBlock.com

Keep Your Credit Score High: Create Fewer Hard Inquiries

When talking about financial literacy, credit scores come up often. Credit scores are made up of complex algorithms that take many behavioral aspects into account. It might seem complicated, but there are only five main parts of a credit score:

– Payment history
– Debt ratio
– Types of credit used
– Length of credit history
– Inquiries

Today, we’re going to talk about inquiries. There are two common types of inquiries on your credit score: “hard” inquiries and “soft” inquiries.

Hard inquiries are when you allow a institution to check your credit score or “run your credit” in order to decide if they will extend you credit. When you allow an organization to make a hard inquiry on your credit report there will be a notation made on your credit report that will stay for two years. The fewer the hard inquiries on your credit report, the higher your credit score will be. Only let organizations that you really want credit from to check your credit score.

Soft inquiries are when you pull your own credit report and/or scores. There is no downside to taking a look at your own credit score. Now, you can pull your credit reports, not scores, for free. Knowing what’s going on will often empower you to make changes or give yourself a pat on the back. Many times credit scores are higher than you thought.

Keep in mind that there are three major credit reporting bureaus in the US. To get an accurate picture of your financial health you’ll need to pull reports and scores from all three bureaus for $40.

Read more about credit scores and reports in Money Matters: The Get It Done in 1 Minute Workbook and 10 Things College Students Need to Know About Money. Check them out.