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Your Best Friend's Guide to Cash

Eight things every woman needs to know about money

By Kara Gammell

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About the Author

Kara Gammell

Kara Gammell is an award-winning financial journalist. She has written regularly for a number of national newspapers and magazines, including The Daily Telegraph, The Sunday Telegraph, The Guardian and The Observer.
Born and raised in Nova Scotia, Canada, Kara lives in West Sussex with her husband, young daughter and two elderly rescue cats.
Visit her online at karagammell.com or follow her on ... Read more on Kara Gammell

Contents Listing

Introduction

1. Starting at Home
Step 1: Check out your budget
Step 2: Get your house in order
How to get the most from price comparison websites

2. Debt
Step 1. Survey the damage
Step 2. Ask for help
Step 3. Deciding what to pay off first

3. Saving
1. Set a goal - and stick to it
2. Prepare for an emergency
3. Give yourself a savings payday
4. Keep your goals separate
5. Keep an eye on the prize
6. Watch our for falling rates

4. Getting on the Property Ladder
Getting the cash together
Option 1. Do it yourself and save like mad
Option 2. Get the money from your family
Option 3. Pool your resources
Option 4. Ask your parents to guarantee it
Option 5. Buying with your boyfriend/girlfriend
Option 6. Buying with someone other than your partner
Option 7. Get a hand from the government
Mortgage overpayments: why paying more means you spend less

5. Having a Family - and paying for it
Getting started
Shopping for baby
Maternity pay and your rights
What if I am self-employed?
What if I am adopting? Will I still be on paid leave?
How am I meant to go to work with childcare cost being extortionate?
Ways to cut costs
Now you're a parent, what financial decisions do you need to make?
If there is a will, there is a way (at least legally)
Things to consider when writing a will
Who will raise your babies?
Savings for the kids
How to stop fighting about money
Getting married and prenups
Dealing with divorce

6. Retirement
The scary stuff
Employer schemes
Investments
How to get started
How much should you hold in cash?
Five tips for beginner investors

7. Savvy Spending
Food shopping
Save money on meals out
How to save on fashion
Cut back on car costs
Earn money while online shopping
Daily deals sites
Haggling: why

8. At work
Affects on career from childcare
Ask for a payrise at work
How to ask for flexible working
How to apply for flexible working
Redundancy
Introduction

1. Starting at Home
Step 1: Check out your budget
Step 2: Get your house in order
How to get the most from price comparison websites

2. Debt
Step 1. Survey the damage
Step 2. Ask for help
Step 3. Deciding what to pay off first

3. Saving
1. Set a goal - and stick to it
2. Prepare for an emergency
3. Give yourself a savings payday
4. Keep your goals separate
5. Keep an eye on the pri ...

Jacket Text

You might be on 'the right side of 40', and yet, financially you feel about fourteen. By now, you should be rolling in the dough, but it feels like you're drowning in debt. This isn't how being "a grown up" was supposed to be.

How will you ever get on the property ladder if you can't even make more than the minimum payment on your credit card? Will you live like a pauper when you're old and grey because student loans and sky-high rents mean you can't afford to pay into a pension?

One thing is for sure, money may not buy you happiness, but from where you're standing, it sure could buy you a few things that would put a smile on your face - a flat would be nice come to think of it.

So what are you going to do about it? Do you want to spend your life in financial turmoil?

When Kara Gammell first came to the UK from her native Canada at 23, financially, she was a disaster. After five years of fun at uni, she couldn't manage being paid monthly, certainly didn't know what an overdraft was (or why the cashpoint swallowed her debit card) and at one point was so skint she actually cashed in her Oyster card for the £2 deposit.

But Kara took control of her money and turned her cash crisis around. By the age of 28, she was out of an overdraft, had become an award-winning financial journalist and became a homeowner (independent of the bank of mum and dad to boot) - but most importantly, she was no longer living life on the breadline or on the brink of a financial disaster.

In this practical and witty guide, Kara explains how whether you are struggling to make ends meet or trying to buy your first home - taking control of your finances can change your life.

With clear and straightforward advice on everything from cutting credit card debt to getting more from your money at the supermarket, Kara shares her tried and tested tips so that you have all you need to get it right - the first time.

Kara soon learned from her mistakes, and now you can too.

Professional Reviews

"Unlike many other books, this is not just for people who already have cash to invest, but also for those who would like to accumulate enough to do so. Packed with facts, but jargon-free, it could prove a gift that keeps on giving for wives, daughters, goddaughters and granddaughters seeking financial independence." - Ian Cowie, The Sunday Times

"To sum up: a useful, friendly book that's mainly aimed at young mums and will get you to sit up and take notice about the importance of personal finance. I'd also like to thank the publisher for refreshingly not doing a pink cover with a handbag and a pair of high heels on it. " - Penny Golightly


Media Coverage

The Sunday Times

It will be 25 years in April since the Treasury recognised that wives are not their husbands? chattels and introduced independent taxation of spouses. But many women remain reluctant to engage with ...

Read more

Penny Golightly

We love a good personal finance book here at Penny Golightly, so I jumped at the chance to review Your Best Friend?s Guide to Cash: Eight things every woman needs to know about money by award-winning ...

Read more

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