Home > Store

You and Your Money: A No-Stress Guide to Becoming Financially Fit

Register your product to gain access to bonus material or receive a coupon.

You and Your Money: A No-Stress Guide to Becoming Financially Fit

Book

  • Sorry, this book is no longer in print.
Not for Sale

About

Features

Based on extensive research to determine what people need to become more financially informed and self sufficient.

  • Lois Vitt is the leading authority in the US on financial education and has been quoted by Alan Greenspan in testimony before Congress on the state of financial literacy in the US.
  • The book begins with the Life Values Profile, placing the reader at the center of the "story".
  • Foreword by Dallas L. Salisbury, President and CEO of the Employee Benefit Research Institute.
  • Description

    • Copyright 2007
    • Dimensions: 6" x 9"
    • Pages: 336
    • Edition: 1st
    • Book
    • ISBN-10: 0-13-100310-0
    • ISBN-13: 978-0-13-100310-1

    “With over 70% of American workers living paycheck to paycheck, basic money management skills are needed desperately. This is a masterful work that guides us to discover our own money dysfunctions and takes us on a journey to healthy financial behaviors.”

           –Sally Hass, Employee Benefits Life Planning Manager, Weyerhaeuser Company

    “This book combines solid knowledge of societal trends in personal finance with guidance on how to develop a sense of purpose about money and get financially fit for a lifetime. I heartily recommend it.”

           –Kelvin Boston, host Moneywise PBS Series and author of Who's Afraid To Be A Millionaire?

    “The rules have changed on how to achieve the American Dream. What many of us consider a fundamental right will be out of reach unless we get smart and take action now. The authors get right to the point by helping readers define what they care most about and then set them on a path to achieving true financial well-being.”

           –Carol Anderson, President and CEO of Money Quotient, specialists in financial planning education

    “The authors have looked at the current disastrous consumer model and envision a ‘New’ American Dream. They break the rules, set up a new framework for humanized finances, and challenge consumers to change the future by changing their habits, now.”

           –Dean Brassington, Financial Educator and U.S. Navy Quality of Life Program and Design Consultant

    “The great merit of this book is that it reads like an engaging conversation. Given the mass of undigested financial information, everyone needs this discourse that helps to position and orient oneself in the money universe, and then act. It bridges the gap between a complicated world out there and one's personal and family orbit.”

           –Jurg Siegenthaler, Professor Emeritus of Sociology, American University

    Based on extensive nationwide research conducted by the author and the Institute for Socio-Financial Studies about what people need to learn and do to become financially savvy, You and Your Money gives you the skills you need to be financially competent and self-sufficient...so you can make the right decisions about money–today, tomorrow, always!

    You don’t need to know everything about personal finance. You do need to know three things: where you stand today, what you can do now, and how to become more financially secure for the rest of your life.

        This book helps you answer those three questions. It’s easy, readable, practical, and quick.

        It gives you simple, common-sense tools for achieving financial success...tools you can use in every part of your life, not just finance!

        It brings together real stories from real people. People like you. People who know what they want, and just need to know how to get there. 

    •  CREATE YOUR OWN PERSONAL LIFE VALUES PROFILE: The book helps you develop your unique personal profile so you can better assess your own goals and know how to achieve them
    • GET SAVVY, AND FEEL MUCH MORE IN CONTROL: Easy, quick ways to take charge of your financial well-being
    • GROW YOUR FINANCIAL SUPPORT SYSTEM, STEP-BY-STEP: Learn to communicate about money–and find objective, honest help when you need it
    • PLAN YOUR FINANCES AROUND THE CHANGES IN YOUR LIFE: Plan for life transitions, prepare for disasters, and learn how to recover from financial setbacks

    Foreword xvi

    Preface xviii

    Acknowledgments xx

    About the Authors xxi

    PART I: MAINTAINING A POSITIVE OUTLOOK 1

    Chapter 1: The Right Stuff 3

    Chapter 2: The “New” American Dream 13

    Chapter 3: How We Decide 25

    Chapter 4: Your Life Values Profile 33

    Chapter 5: Moving to Secure Money Management 51

    Chapter 6: A Word About Fear 63

    PART II: BEING ACTIVE IN FINANCIAL AFFAIRS 75

    Chapter 7: Who’s in Charge of Your Financial Well-Being? 77

    Chapter 8: Becoming a Savvy Consumer 89

    Chapter 9: Getting and Keeping Good Credit 103

    Chapter 10: Staying Ahead of Scammers and Thieves 119

    Chapter 11: Committing to a Savings Plan 133

    PART III: BUILDING A FINANCIAL SUPPORT SYSTEM 145

    Chapter 12: Communicating About Money–Count the Ways 147

    Chapter 13: Tapping Into the Financial Marketplace 165

    Chapter 14: Building Your Assets 181

    Chapter 15: Choosing Housing Wisely 201

    PART IV: COPING WELL WITH CHANGE AND LOSS 221

    Chapter 16: Planning for Life Transitions 223

    Chapter 17: Preparing for Disasters 239

    Chapter 18: Recovering from Adversity 253

    Chapter 19: Finding the Help You Need 265

    Appendix: Personal Finance Education Internet Sites 277

    Endnotes 293

    Index 299

    Sample Content

    Online Sample Chapter

    You and Your Money: Building Your Assets

    Downloadable Sample Chapter

    Download Chapter 1

    Sample Pages

    Download the sample pages (includes Chapter 1 and Index)

    Table of Contents

    Foreword xvi

    Preface xviii

    Acknowledgments xx

    About the Authors xxi

    PART I: MAINTAINING A POSITIVE OUTLOOK 1

    Chapter 1: The Right Stuff 3

    Chapter 2: The “New” American Dream 13

    Chapter 3: How We Decide 25

    Chapter 4: Your Life Values Profile 33

    Chapter 5: Moving to Secure Money Management 51

    Chapter 6: A Word About Fear 63

    PART II: BEING ACTIVE IN FINANCIAL AFFAIRS 75

    Chapter 7: Who’s in Charge of Your Financial Well-Being? 77

    Chapter 8: Becoming a Savvy Consumer 89

    Chapter 9: Getting and Keeping Good Credit 103

    Chapter 10: Staying Ahead of Scammers and Thieves 119

    Chapter 11: Committing to a Savings Plan 133

    PART III: BUILDING A FINANCIAL SUPPORT SYSTEM 145

    Chapter 12: Communicating About Money–Count the Ways 147

    Chapter 13: Tapping Into the Financial Marketplace 165

    Chapter 14: Building Your Assets 181

    Chapter 15: Choosing Housing Wisely 201

    PART IV: COPING WELL WITH CHANGE AND LOSS 221

    Chapter 16: Planning for Life Transitions 223

    Chapter 17: Preparing for Disasters 239

    Chapter 18: Recovering from Adversity 253

    Chapter 19: Finding the Help You Need 265

    Appendix: Personal Finance Education Internet Sites 277

    Endnotes 293

    Index 299

    Preface

    Download the Preface

    Foreword

    Download the Foreward

    More Information

    InformIT Promotional Mailings & Special Offers

    I would like to receive exclusive offers and hear about products from InformIT and its family of brands. I can unsubscribe at any time.

    Overview


    Pearson Education, Inc., 221 River Street, Hoboken, New Jersey 07030, (Pearson) presents this site to provide information about products and services that can be purchased through this site.

    This privacy notice provides an overview of our commitment to privacy and describes how we collect, protect, use and share personal information collected through this site. Please note that other Pearson websites and online products and services have their own separate privacy policies.

    Collection and Use of Information


    To conduct business and deliver products and services, Pearson collects and uses personal information in several ways in connection with this site, including:

    Questions and Inquiries

    For inquiries and questions, we collect the inquiry or question, together with name, contact details (email address, phone number and mailing address) and any other additional information voluntarily submitted to us through a Contact Us form or an email. We use this information to address the inquiry and respond to the question.

    Online Store

    For orders and purchases placed through our online store on this site, we collect order details, name, institution name and address (if applicable), email address, phone number, shipping and billing addresses, credit/debit card information, shipping options and any instructions. We use this information to complete transactions, fulfill orders, communicate with individuals placing orders or visiting the online store, and for related purposes.

    Surveys

    Pearson may offer opportunities to provide feedback or participate in surveys, including surveys evaluating Pearson products, services or sites. Participation is voluntary. Pearson collects information requested in the survey questions and uses the information to evaluate, support, maintain and improve products, services or sites, develop new products and services, conduct educational research and for other purposes specified in the survey.

    Contests and Drawings

    Occasionally, we may sponsor a contest or drawing. Participation is optional. Pearson collects name, contact information and other information specified on the entry form for the contest or drawing to conduct the contest or drawing. Pearson may collect additional personal information from the winners of a contest or drawing in order to award the prize and for tax reporting purposes, as required by law.

    Newsletters

    If you have elected to receive email newsletters or promotional mailings and special offers but want to unsubscribe, simply email information@informit.com.

    Service Announcements

    On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account information. However, these communications are not promotional in nature.

    Customer Service

    We communicate with users on a regular basis to provide requested services and in regard to issues relating to their account we reply via email or phone in accordance with the users' wishes when a user submits their information through our Contact Us form.

    Other Collection and Use of Information


    Application and System Logs

    Pearson automatically collects log data to help ensure the delivery, availability and security of this site. Log data may include technical information about how a user or visitor connected to this site, such as browser type, type of computer/device, operating system, internet service provider and IP address. We use this information for support purposes and to monitor the health of the site, identify problems, improve service, detect unauthorized access and fraudulent activity, prevent and respond to security incidents and appropriately scale computing resources.

    Web Analytics

    Pearson may use third party web trend analytical services, including Google Analytics, to collect visitor information, such as IP addresses, browser types, referring pages, pages visited and time spent on a particular site. While these analytical services collect and report information on an anonymous basis, they may use cookies to gather web trend information. The information gathered may enable Pearson (but not the third party web trend services) to link information with application and system log data. Pearson uses this information for system administration and to identify problems, improve service, detect unauthorized access and fraudulent activity, prevent and respond to security incidents, appropriately scale computing resources and otherwise support and deliver this site and its services.

    Cookies and Related Technologies

    This site uses cookies and similar technologies to personalize content, measure traffic patterns, control security, track use and access of information on this site, and provide interest-based messages and advertising. Users can manage and block the use of cookies through their browser. Disabling or blocking certain cookies may limit the functionality of this site.

    Do Not Track

    This site currently does not respond to Do Not Track signals.

    Security


    Pearson uses appropriate physical, administrative and technical security measures to protect personal information from unauthorized access, use and disclosure.

    Children


    This site is not directed to children under the age of 13.

    Marketing


    Pearson may send or direct marketing communications to users, provided that

    • Pearson will not use personal information collected or processed as a K-12 school service provider for the purpose of directed or targeted advertising.
    • Such marketing is consistent with applicable law and Pearson's legal obligations.
    • Pearson will not knowingly direct or send marketing communications to an individual who has expressed a preference not to receive marketing.
    • Where required by applicable law, express or implied consent to marketing exists and has not been withdrawn.

    Pearson may provide personal information to a third party service provider on a restricted basis to provide marketing solely on behalf of Pearson or an affiliate or customer for whom Pearson is a service provider. Marketing preferences may be changed at any time.

    Correcting/Updating Personal Information


    If a user's personally identifiable information changes (such as your postal address or email address), we provide a way to correct or update that user's personal data provided to us. This can be done on the Account page. If a user no longer desires our service and desires to delete his or her account, please contact us at customer-service@informit.com and we will process the deletion of a user's account.

    Choice/Opt-out


    Users can always make an informed choice as to whether they should proceed with certain services offered by InformIT. If you choose to remove yourself from our mailing list(s) simply visit the following page and uncheck any communication you no longer want to receive: www.informit.com/u.aspx.

    Sale of Personal Information


    Pearson does not rent or sell personal information in exchange for any payment of money.

    While Pearson does not sell personal information, as defined in Nevada law, Nevada residents may email a request for no sale of their personal information to NevadaDesignatedRequest@pearson.com.

    Supplemental Privacy Statement for California Residents


    California residents should read our Supplemental privacy statement for California residents in conjunction with this Privacy Notice. The Supplemental privacy statement for California residents explains Pearson's commitment to comply with California law and applies to personal information of California residents collected in connection with this site and the Services.

    Sharing and Disclosure


    Pearson may disclose personal information, as follows:

    • As required by law.
    • With the consent of the individual (or their parent, if the individual is a minor)
    • In response to a subpoena, court order or legal process, to the extent permitted or required by law
    • To protect the security and safety of individuals, data, assets and systems, consistent with applicable law
    • In connection the sale, joint venture or other transfer of some or all of its company or assets, subject to the provisions of this Privacy Notice
    • To investigate or address actual or suspected fraud or other illegal activities
    • To exercise its legal rights, including enforcement of the Terms of Use for this site or another contract
    • To affiliated Pearson companies and other companies and organizations who perform work for Pearson and are obligated to protect the privacy of personal information consistent with this Privacy Notice
    • To a school, organization, company or government agency, where Pearson collects or processes the personal information in a school setting or on behalf of such organization, company or government agency.

    Links


    This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects Personal Information. This privacy statement applies solely to information collected by this web site.

    Requests and Contact


    Please contact us about this Privacy Notice or if you have any requests or questions relating to the privacy of your personal information.

    Changes to this Privacy Notice


    We may revise this Privacy Notice through an updated posting. We will identify the effective date of the revision in the posting. Often, updates are made to provide greater clarity or to comply with changes in regulatory requirements. If the updates involve material changes to the collection, protection, use or disclosure of Personal Information, Pearson will provide notice of the change through a conspicuous notice on this site or other appropriate way. Continued use of the site after the effective date of a posted revision evidences acceptance. Please contact us if you have questions or concerns about the Privacy Notice or any objection to any revisions.

    Last Update: November 17, 2020