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I would love to read some books that really get to the facts about earning money by using some techniques that the rich use. Leveraging with the banks money, aggressive moves in the stock market, etc. I hate hearing save your pennies and compound the savings over forty years. I’m 40 and I need to get faster results.

Suze Orman writes pretty useful books. Here is one my students enjoyed reading:

http://www.amazon.com/gp/product/1573221813?ie=UTF8&tag=futurefictioncom&linkCode=as2&camp=1789&creative=9325&creativeASIN=1573221813

I stumbled across this personal finance blog the other day that is all about how to become a millionaire – http://www.i-endeavors.com.

I’ve been pouring through it and found some really neat stuff. I’m pretty young and want to learn how to invest and save a lot of money. What other good sites are there like this one?
Joey C, I’m not looking for a "How to make money online" site like yours, i’m asking about personal finance. The site I listed is purely an informational site, so I can’t imagine it is a scam.

Please go post your link more places quickly and spam this site some more so your account can be banned.

http://www.londonstockexchange.com/en-gb/pricesnews/education/firsttimeinvestors/investmentfactsheets/whyinvestinshares/investfunds.htm
London Stock Exchange – Investing in funds this one there is alot to learn.

I have a mate who knows he’s a bit crap at looking after his paperwork, late work expenses, ATM slips in a big pile, unclaimed receipts, you know the sort of thing. The issue is not one of cash, it’s a subtle and painless behavioural shift required. If I try to help, I’m sure he will "glaze over" – So, does anyone know a free basic/practical advice website that’s light and simple enough to follow (maybe even with a bit of humour), with useful and practical tips on managing personal finances, so he might get the enthusiasm to sort out the bills and paperwork?

Does he have Excel? If so, I can send you my budget worksheet. It’s very simple and easy to use. It has the monthly and annual budgets on one page. It’s easy to update as new info comes available, and you can add/delete rows as needed.

If you’d like a copy, just email me!

I am working on an article for a personal finance newsletter. I was wondering what real people are doing to brave the economy. Do you have any money-saving tips that may help other people. I’d prefer if your Yahoo preferences are set up to accept email. I may want to contact you for more information if i choose to use your answer. I’d appreciate your help. Thanks.

I’ve quit spending altogether on non-essentials: eating out, gym memberships, unnecessary insurance, premium coffee, clothes, etc. For entertainment, I’ve switched to "indoor versions" wherever possible – using Netflix instead of the movie theater, cooking-in instead of eating-out. I now turn off lights I’m not using, and replace my home-phone with Skype while also reducing the plan on my cell phone. I make sure grocery shopping is more organized so I only have one trip per week, and I’m quitting all Christmas cards this year (replacing with e-cards). No gifts to my family (except for the kids, since the adults understand).

I also have started using a spreadsheet (Google Docs) to track my bank account and all expenses. Even though things are tight, I still want to move forward every month and pay off outstanding cards, even though it means we’re eating a lot of pasta! We have a crapload of card debt so I canceled all the cards and aim to pay everything off by the end of next year. We talked about replacing our car, but I’m pushing that to 2010 (at least).

I think things will get uglier before we turn the corner, so I’m preparing to make sure my family’s ok!

jbeswick <,AT.> yahoo.com

Can anyone recommend a budgeting software/family finance program that is easy to use and that they like very much? Whatever is recommended I will see if I can download it for free on www.download.com Thanks!
Wow thank you Greeter, I never thought I needed a budget. That concept was totally foreign to me. (rolling eyes) My finances is a more little complex than just "Income less expenditures = whats left over." However, thank you for your useless and insulting comment.

Quicken is the best. You can find it at www.quicken.com or any store that sells software. But it is not free.

I’m trying to find a good basic financial planning software program that can help me keep up with household accounts and expenses. I would also like to learn about (beginner level) investing. I am looking for a software program or programs that can do this that other people like and have tried successfully. I’ve read reviews of various programs on a few major consumer sites and I find myself more confused than when I started. I need to balance the checkbooks, do taxes, calculate interest, watch regular payments and try some beginning investments. I’d really appreciate any ideas and direction you can point me in. Thank you!

we use microsoft Money and it seems to do everything that you are looking for. I think we have the step up version and not just the basic one though because of the investments.

I just finished a Personal Finance course this past semester that briefly covered investing and the stock market, and I would like to learn more on my own. Does anyone know of any good books for someone in my position? I already know some of the basics thanks to the class, so I don’t want a "Beginner’s guide for kids" kind of thing, but at the same time one of those huge monotonous investment guides won’t be that helpful either. Any suggestions for books that fall somewhere inbetween? Especially those geared for people in my age group? Thanks

I’d forget about "When Genius Failed". It’s a great book but it’s not what YOU are looking for. I do like "The Millionaire Next Door" by Stanley and Danko. I also like "A Random Walk Down Wall Street" by Burton Malkiel. I’d agree that Peter Lynch and Benjamin Graham’s books are good too.

How do I find someone to talk to in person about learning to manage my money better? I’ve seen a few investment offices around where I live, but I don’t know if I can call those people about basic money-management techniques. I’d like to talk to someone in-person instead of on-line or over the phone.

That’s a great question. There are a number of different types of people.

Accountants are great, especially for business related issues. Keep in mind that their fees are fairly high, so your chat will be expensive. Investment advisers are also good, but they’re going to want you to open an account.

Do you have any friends who are good with money? That’s obviously the best resource because it’s free and comfortable. A word of caution: don’t take every piece of investment advice your friends tell you, use your own judgment and always get a second opinion.

Some other good options are:
1) Continuing ed classes run by your town or county, often there are basic money management classes that will have teachers you can talk to.
2) Know any teachers or professors in business disciplines? Always a good option.
3) If your questions are tax related, you may find help at HR Block.

Good luck!

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