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Your Money: The Missing ManualBy J.D. Roth |
Missing CD-ROM
The Missing Credits
Introduction
Chapter 1: It's More Important to Be Happy Than to Be Rich
Websites and Articles:
How Money Affects Happiness
- U.S. Census Bureau income table
- National Opinion Research Center
- National Opinion Research Center Happiness Poll
- National Opinion Research Center Satisfaction Poll
- Pablo S. Torre's "How (and Why) Athletes Go Broke" article
- "William 'Bud' Post III, Unhappy Lottery Winner" article
- Chris Guillebeau's blog
- Dave Bruno's 100 Thing blog
It's Not About the Money
- Review of General Psychology article "Pursuing Happiness: The Architecture of Sustainable Change"
- Happiness formula from Scott Adams (creator of Dilbert)
Books
- The 1-2-3 Money Plan by Gregory Karp
- Happier by Tal Ben-Shahar
- Happiness by Ed Diener and Robert Biswas-Diener
- I Will Teach You to Be Rich by Ramit Sethi
- Living Green: The Missing Manual by Nancy Conner
- The Millionaire Next Door by Thomas Stanley and William Danko
- Work Less, Live More by Robert Clyatt
- Your Body: The Missing Manual by Matthew MacDonald
- Your Money and Your Brain by Jason Zweig
- Your Money or Your Life by Joe Dominguez and Vicki Robin
Chapter 2: The Road to Wealth is Paved with Goals
Websites and Articles
The Road to Success
Tools and Resources to Help You Achieve Your Goals
- Get Rich Slowly "My Sister's Keeper" article
- Joe's Goals
- Benjamin Franklin's 13 virtues
- 43 Things
- StickK
- The Prioritizer
- Lifetick
- Google Docs
- Wordpress blogs
- Take Back Your Brain
Coping with Mistakes and Setbacks
- Steve Pavlina's 5 wealth lessons
- Get Rich Slowly "How to Beat the Procrastination Habit" article
- Get Rich Slowly "The Psychology of Passive Barriers" article
Books
- Failing Forward by John C. Maxwell
- The How of Happiness by Sonja Lyubomirsky
- The Power of Full Engagement by Jim Loehr and Tony Schwartz
- Secrets of the Millionaire Mind by T. Harv Eker
- The Seven Stages of Money Maturity by George Kinder
Chapter 3: "Budget" Is Not a Four-Letter Word
Websites and Articles
Building a Budget That Works
Sticking to a Budget
Automating Your Budget
- Moneydance
- Get Rich Slowly "16 Powerful Personal Finance Programs" article
- BudgetPulse
- Mint
- moneyStrands
- PearBudget
- PearBudget spreadsheet
- Wesabe
- Thrive
- Yodlee MoneyCenter
Books
- All Your Worth by Elizabeth Warren and Amelia Tyagi
- Debt-Proof Living by Mary Hunt
- The Millionaire Next Door by Thomas Stanley and William Danko
- The Only Investment Guide You'll Ever Need by Andrew Tobias
- The Total Money Makeover by Dave Ramsey
Chapter 4: Defeating Debt
Websites and Articles
The Power of Positive Cash Flow
The Basics of Debt Reduction
Curbing Compulsive Spending
- Compulsive shopping behaviors
- Get Rich Slowly "Defeating Temptation" article
- MSN Money "Debt Settlement: A costly escape" article
- Debtors Anonymous
- Federal Trade Commission's debt collection FAQ
- National Foundation for Credit Counseling
- Consumer Action Handbook
- Dave Ramsey's Financial Peace University class finder
- Dave Ramsey's Financial Peace University online classes
- Financial Peace University
- Bible Money Matters (blog of Graduate from Financial Peace University program)
Books
- How Much is Enough? By Arun Abey and Andrew Ford
- How to Get Out of Debt, Stay Out of Debt & Live Prosperously by Jerrold Mundis
- Mind Over Money by Brad and Ted Klontz
- The Paradox of Choice by Barry Schwartz
- The Total Money Makeover by Dave Ramsey
Chapter 5: The Magic of Thinking Small
Websites and Articles
Frugal Tactics Anyone Can Use
- Negotiating bank fees
- Get Rich Slowly "Grocery Shopping Tips from 1950" article
- Tips on buying and freezing beef
- Local Produce Directory
- New York Times "One Country's Table Scraps, Another Country's Meal" article
- Get Rich Slowly "Slash Your Grocery Bill with Store-Brand Products" article
- Get Rich Slowly "Gardening in Small Spaces" article
- Get Rich Slowly "Square-Foot Gardening" article
- You Grow Girl
- Cooperative Extension System
- Burpee's Money Garden
- Get Rich Slowly Garden Project
- Get Rich Slowly "How to Save Money on Food" article
- Michael Bluejay "Saving Electricity" site
- Programmable thermostats
- Kill A Watt
- Energy Star
Phone company discounts
- Alltel
- AT&T
- Sprint
- T-Mobile
- Verizon
- Tracfone
- NET10
- T-Mobile
- Virgin Mobile
- Red Tape's "How to Save Money on Cell Phones" article
- Chicago Tribune pre-paid cellphone article
- iTunes Store
- Hulu.com
- Netflix
- List of online TV resources
- Get Rich Slowly "Finding Affordable Health Insurance" article
- Kiplinger "You Can Get Health Coverage" article
- Wall Street Journal "Going It Alone When Buying a Health Policy" article
- FDA article on generic drugs
- Freakonomics article on drug prices
- WebMD pill-splitting article
- Wal-Mart's mail-order prescription program
- Consumer Reports article on getting the best price on drugs
- WorstPills.org
- The Simple Dollar
- Get Rich Slowly "Frugal Fun" article
- Get Rich Slowly Drugstore Game article
- Liz Weston's list of 10 things you shouldn't buy new
- April Dykman's blog
- Get Rich Slowly "Defeating Temptation" article
- FatWallet
- RetailMeNot
- PriceProtectr
- Wishpot
The Tyranny of Stuff
- Paul Graham's "Stuff" article
- Get Rich Slowly "The Outrageous Cost of Storing Stuff" article
- Adblock Plus for Firefox
- Unclutterer.com
- Flylady.net
- Mnmlist.com
Books
- America's Cheapest Family by Steve and Annette Economides
- The Bountiful Container by Rose Marie McGee and Maggie Stuckey
- Clutter's Last Stand by Don Aslett
- The Complete Tightwad Gazette by Amy Dacyczn
- It's All Too Much by Peter Walsh
- Living Green: The Missing Manual by Nancy Conner
- The Millionaire Next Door by Thomas Stanley and William Danko
- Square Foot Gardening by Mel Bartholomew
- Unclutter Your Life in One Week by Erin Doland
- Why We Buy: The Science of Shopping by Paco Underhill
Chapter 6: How to Make More Money
Websites and Articles
Working for Others
- Paul Graham "How to Do What You Love" article
- Occupational Outlook Handbook
- Tips on job interviews
- Jack Chapman's salary negotiation video
- Penelope Trunk's Brazen Career blog
- Jack Chapman's "The Flinch" video
- PayScale.com
- SalaryScout.com
- GlassDoor.com
- U.S. Census Bureau financial benefits of a college education info
- "How to Quit Your Job with Bridges Intact" article
- Sample resignation letters
- New York Times "Mastering the Informational Interview" article
- Good Morning America "Tips on Landing Your Perfect Second Job" article
Working for Yourself
- Free sample business plans
- Free bookkeeping
- A List Apart "Starting a Business" article
- U.S. Small Business Administration
- SCORE
- Business owner's toolkit
- Pamela Slim's blog
- Jonathan Fields's blog
- Confectionery
Other Ways to Make Money
- Amazon
- Craigslist
- Half.com
- Amazon Marketplace
- Yard Sale Queen
- Selling through consignment shops
- "How to Speak Craigslist" article
- Free Geek
- Freecycle
- MSN Money study video
- Get Rich Slowly "How to Earn Extra Income Through Private Tutoring" article
- "How to Make Money Tutoring" article
- FTC consumer alert on mystery shopping
- Mystery shopping providers
- MSN Money "How to Become a Mystery Shopper" article
- Volition
- MSN Money "Living with Less" Donna Freedman blog
- Get Rich Slowly "How to Rent Out Your Spare Room" article
- The National Association of Unclaimed Property Administrators
- Government May Owe You Money page
- Blogger
- WordPress
- Google Adsense
- Blogads
Books
- Career Renegade by Jonathan Fields
- eBay Hacks by David Karp
- Escape from Cubicle Nation by Pamela Slim
- Go It Alone by Bruce Judson
- Good to Great by Jim Collins
- The Millionaire Next Door by Thomas Stanley and William Danko
- Negotiating Your Salary by Jack Chapman
- New Job, New You by Alexandra Levit
- What Color Is Your Parachute by Richard Bolles
Chapter 7: Banking for Fun and Profit
Websites and Articles
Choosing a Bank
Finding Accounts That Meet Your Needs
Making the Most of Your Accounts
- Get Rich Slowly "Best Money Market Rates & Savings Account Interest Rates" article
- SmartyPig
- FiveCentNickel "Buying Non-Laddered CDs with Your Emergency Fund" article
- The Digerati Life "Force Yourself To Save!" article
Books
Chapter 8: Using Credit Wisely
Websites and Articles
Credit Cards
- Survey of Consumer Finances
- USA Today "More Consumers Just Say No to Credit Cards" article
- Get Rich Slowly "Research Reveals Credit Cards Encourage Spending" article
- CardRatings
- IndexCreditCards
- BankRate
- FatWallet
- Pew Charitable Trusts article
- Opt out of credit card offers
- American Express card benefits & services
- MasterCard card benefits
- Visa card benefits
- Wells Fargo credit card glossary
- Jim Wang blog
- FTC fair credit billing article
- Cancelling a credit card
- Sample credit card cancellation letter
- CNN Money "Life without Plastic" article
Your Credit Report
- Equifax
- Experian
- TransUnion
- Annual Credit Report
- Request Annual Credit Report
- Free Credit Report
- FTC facts for consumers
- Get Rich Slowly "How to Get Your Free Credit Report Online" article
Your Credit Score
- MSN Money "8 Secret Scores That Lenders Keep" article
- FTC "Your Credit Score Helps Determine What You'll Pay" article
- "What is a credit score?" article
- How credit history determines job future" article
- How your FICO credit score is calculated
- Understanding your FICO score
- myFICO
- Credit Karma
- Quizzle
- Credit report card
- MSN Money "5 Ways to Kill Your Credit Scores" article
Books
Chapter 9: Sweating the Big Stuff
Websites and Articles
Buying a Car
- Car Depreciation Calculator
- Car Buying Tips
- Dave Ramsey "Drive Free, Retire Rich" article
- True cost to own ratings
- Consumer Reports test drive checklist
- Edmunds
- Autobytel
- Consumer Reports new car pricing service
- Autopedia consumer incentives and rebates
- Washington Post negotiation skills article
- Warranty Direct
- Confessions of a Car Salesman
- How to Buy a New Car Without Getting Screwed video
- Motley Fool "The Art of the Deal" article
- Consumer Reports new car checklist
- FTC guide to buying a used car
- Kelley Blue Book
- Edmunds
- NADA Guides
- Consumer Reports used car service
- Carfax
- Beater Review
- Craigslist
- Autotrader
- Cars.com
- Car Buying Tips
- Better Business Bureau
- Automotive Service Excellence
- Car Talk Mechanic's Files
- Fuel Economy gas calculator
- Cost to Drive
- Gas Buddy
- Fuelly
- AAA driving cost estimates
- Get Rich Slowly "Thoughts on a Scooter-Based Lifestyle" article
- Zipcar
Finding Deals on Vacation and Travel
- Get Rich Slowly "How to Track Travel Expenses and Stick to a Vacation Budget" article
- Travel cost calculator
- Frugal Traveler
- Rick Steve's Packing Light and Right tips
- Consumer Reports travel insurance article
- National parks pass
- AAA
- Vacation Rentals by Owners
- HomeLink
- HomeExchange
- Hostelling International USA
- Slow Travel
- Slow Europe
- I Will Teach You to Be Rich "Travel Full-Time for Less Than $14,000" article
- CouchSurfing
- Get Rich Slowly "How to Use Couchsurfing to See the World" article
- The Hospitality Club
- Airbnb
- Servas
- Hi Everywhere!
- Volunteer Adventures
- Volunteers for Peace
- Se7en
- WWOOF
- Orbitz
- Expedia
- Travelocity
- Priceline
- Kayak
- Momondo
- Mobissimo
- Skyscanner
- WhichBudget
- Budget Flight Finder
- Travelzoo
- TripAdvisor
- Airfare Watchdog
- Student Universe
- EF College Break
- VacationsToGo
- CruiseCompete
- SeatGuru
- Yapta
- PriceProtectr
- Finance for a Freelance Life
Books
- All Your Worth by Elizabeth Warren and Amelia Tyagi
- America's Cheapest Family by Steve and Annette Economides
- How to Live Well Without Owning a Car by Chris Balish
- Stop Acting Rich by Thomas Stanley
- You Can Negotiate Anything by Herb Cohen
Chapter 10: House and Home
Websites and Articles
The Eternal Question: Rent or Buy?
- Newsweek "The Trouble With Homeownership" article
- Kiplinger "What Your Home Is, and Isn't" article
- New York Times "Is It Better to Buy or Rent?" article
- New York Times "As Home Prices Drop Low Enough, a Committed Renter Decides to Buy" article
- Walk Score
- Rentometer
- Get Rich Slowly "9 Ways You Can Knock the Socks off Your Next Landlord" article
- Get Rich Slowly "Renters Insurance" article
- Get Rich Slowly "What if You're Frugal But Your Roommates Aren't?" article
- U.S. Department of Housing and Urban Development tenant rights info
- RentLaw
Buying a Home
- Down payment calculator
- The Mortgage Professor
- BankRate
- ShopRate
- Money-Rates
- Up-Front Mortgage Brokers Association
- The Fed's "A Consumer's Guide to Mortgage Settlement Costs
- Good faith estimates
- LendingTree mortgage-comparison calculator
- Vertex42 home ownership expense calculator
- CLUE reports
Owning a Home
- Kiplinger "The True Cost of Owning a Home" article
- Mississippi State University Extension Service
- The National Center for Healthy Housing
- Big List of Home Maintenance Tasks
- MSN Money "5 Tips for Wisely Tapping Your Home Equity" article
- Omninerd "Cancel Private Mortgage Insurance Early to Save Money" article
- Get Rich Slowly "Is It Better to Invest or to Prepay a Mortgage" article
- Get Rich Slowly "The Thrill of Paying Off a Mortgage" article
- Refinance calculator
- Bankrate mortgage calculator
- Get Rich Slowly "Mortgage Prepayment Made Easy" article
Books
- The Automatic Millionaire Homeowner by David Bach
- Buying a Home: The Missing Manual by Nancy Conner
- The Money Book for the Young, Fabulous & Broke by Suze Orman
- Reader's Digest Complete Do-It-Yourself Manual
- Renters' Rights by Janet Portman and Marcia Stewart
Chapter 11: Death and Taxes
Websites and Articles
An Introduction to Insurance
- Wikipedia article on insurance
- National Association of Insurance Commissioners
- Insweb
- Insurance
- Insure
- Washington Post "Unwarranted" article
- Car insurance coverage definitions
- KnowYourStuff
- StuffSafe
- Insurance Information Institute
- Consumer Federation of America
- LIFE Foundation life insurance calculator
- AccuQuote
- DirectInsuranceServices
- SelectQuote
- Get Rich Slowly "The Disability Insurance Maze" article
What You Need to Know About Taxes
- IRS Form 1040
- IRS standard deductions article
- IRS individual itemized deductions article
- IRS withholding calculator
- Salary paycheck calculator
- Free income-tax planning
- USA Today "Tracking Taxes" article
- IRS Free File
- Tax preparer choices
- IRS website
- IRS deductions article
- MSN Money advice on avoiding an audit
- IRS extension to file taxes article
- IRS Form 9465
- IRS Topic 202
- IRS Refund Status
- Estimated Taxes
- IRS Tax Topic Index
- BankRate annual tax guide
- Taxvisor income tax planning spreadsheets
- June Walker's site
A Brief Overview of Estate Planning
- MSN Money "14 Mistakes Not to Make With Your Will" article
- MayoClinic's living wills advice
- AARP "Understanding Power of Attorney" article
- Living trust FAQ
- LegalZoom
- LawDepot
- Nolo
- New York Times online wills article
- Get Rich Slowly will-planning document
Books
Chapter 12: An Intro to Personal Investing
Websites and Articles
Why Invest?
- College Board's Trends in College Pricing report
- Get Rich Slowly "How Much Does the Stock Market Actually Return?" article
The Tools of Investing
- Get Rich Slowly "How Bonds Work" article
- U.S. Securities and Exchange Commission
- Mutual fund fees and expenses
- Get Rich Slowly "How to Read a Mutual Fund Prospectus" article
- Yahoo! Finance Exchange-Traded Funds
- Index fund advice
- The Arithmetic of Active Management
Being on Your Best Behavior
- Quantitative Analysis of Investor Behavior
- "The Behavior Gap: A Snapshot" article
- The Quarterly Journal of Economics "Gender, Overconfidence, and Common Stock Investment" article
- SEC's "Beginner's Guide to Asset Allocation" article
- Get Rich Slowly "An Introduction to Asset Allocation" article
- Creating Your Investment Policy Statement
- Morningstar Mutual Fund Screener
- Predicting Mutual Fund Performance
- The New York Times "Buy American. I Am." article
- Warren Buffet's letter to Berkshire Hathaway shareholders
Common-Sense Investing
- Couch Potato Investing
- Couch Potato Cookbook
- Vanguard Company
- William Bernstein's no-brainer portfolios
- The Coffeehouse Portfolio
- Bogleheads
- MarketWatch
- The Kirk Report
- The New York Times "In Target-Date Funds, Hidden Homework" article
- ETrade
- TradeKing
- Scottrade
- SmartMoney's annual broker survey
- The Digerati Life "Online Discount Brokers" article
- MSN Money "The Costly Myth of Dollar-Cost Averaging" article
- Fidelity Investments
- T. Rowe Price
- The Vanguard Group
Books
Chapter 13: Retirement: The Final Frontier
Websites and Articles
Figuring Out How Much to Save
- How Long Will You Live? calculator
- Social Security Quick Calculator
- Retirement Confidence Survey
- T. Rowe Price retirement income calculator
- The Motley Fool retirement expenses calculator
- The Motley Fool retirement savings calculator
- Bankrate retirement calculator
- MoneyChimp
- Choose to Save
- FireCalc
- Analyzenow
Why You Should Start Saving Today
A Brief Guide to Retirement Accounts
- Congressional Research Service "Retirement Savings and Household Wealth in 2007" article
- 401K Retirement Plans
- CNN Money "How to Deal With a Bad 401(k) Plan" article
- IRS rollover chart
- Get Rich Slowly "I Quit My Job Ð What Should I Do With My 401K" article
- Choosing between traditional and Roth 401(k)s article
- IRS publication 590
- All About IRAs For First-Time Home Buyers
- Certified Financial Planner "How to Choose a Planner" article
- The Garrett Planning Network
- The National Association of Personal Financial Advisors
- Fidelity Investments
- T. Rowe Price
- The Vanguard Group
- IRA contribution and deduction limits
- Roth IRA vs. traditional IRA calculator
Early Retirement and Other Dreams
- Philip Greenspun's "Early Retirement" article
- MSN Money "Retire by 50: What it Really Takes" article
- MSN Money "Retire by 50: Real-life Stories" article
- Early Retirement Forum
Books
- How to Retire Early and Live Well by Gillette Edmunds
- The Random Walk Guide to Investing by Burton Malkiel
- Retire on Less Than You Think by Fred Brock
- Work Less, Live More Robert Clyatt
Chapter 14: Friends and Family
Websites and Articles
Friends with Money
Love and Money
- New York Times "Money Talks to Have Before Marriage" article
- Expenditures on Children by Families
- Cost of Raising a Child Calculator
- Parents.com Stay-at-Home Calculator
- Get Rich Slowly "Using an Allowance to Teach Kids About Money" article
- Money Savvy Generation Piggy Bank
Church, Charity, and Community
True Wealth
Books
