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Money guide for women

By Investopedia | May 15, 2012 | COMMENTS [ 26 ]

WHEN we're young, we often think about 30 as the age when we need to have it all figured out.

But when that birthday is approaching, it can seem like we're not nearly as far into adulthood as we might hope.

We may think that there is certain knowledge we ought to have at this point in our lives.

If you're approaching this age, or want to start preparing early, here is a list of things that you should know.

And if you're past 30, it's never too later find out what you need to catch up on.

A woman can make it on her own financially, even if she doesn't have to.

Keep your finger on your finances, even if you have a significant other who handles them.

  • How to deal with a financial crisis, like suddenly losing your job.
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  • How to make a budget and how to stick to it.
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  • How to set up an emergency fund and how to keep it full.
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  • How to read a bank statement and how to complain when something in it is wrong.
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  • How long it will take you to pay off credit cards if you have only been paying the minimum balance.
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  • How debt collection and bankruptcy work, even if you're in a good financial place.
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  • How to get your taxes done every year without going crazy.
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  • How to establish credit in your own name, even if you also share credit cards with a spouse.
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  • How much risk you're prepared to tolerate in terms of investments.
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  • That you're going to need money for retirement at some point and you'll need strategies to save for it.
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  • How you're going to make up for any time you spend out of the work force, at least in terms of retirement.
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  • How much having a family costs, even if you don't have children.
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  • What legal protection there is, specifically for women, such as maternity leave.
  • How to negotiate an increase, even if it feels like you shouldn't ask for more money.
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  • How to leave a job you hate, preferably with another one lined up.
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  • How to get a copy of your credit report and how to dispute incorrect information on it.
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  • What consigning a loan means and when to refuse to do it.
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  • How to recognise the signs of identity theft and how to address them.
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  • What are the pros and cons of owning a house versus renting an apartment.
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  • What your parents' retirement plans are and whether you're going to need to help them.
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  • Who is responsible for you and your finances if something makes you incapable of taking care of yourself.
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  • How to reach a lawyer, an accountant and an insurance agent, even if you don't routinely need their help.
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  • How to negotiate a big purchase (like a car or a house), even when the other side underestimates you.
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  • How to sell something you don't need any longer.
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  • What it would take for you to start your own business, even if you're not ready to make the leap.
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  • What your options for medical insurance are and how to make the most of them, even when they're bad.
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  • Where to get financial information and advice that you trust.
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  • What your financial priorities are and what is the next step you need to take to reach them.

COMMENTS [ 26 ]

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101. Don't depend on men for financial help.

May 15, 2012 12:21 | 0 replies

@itsme4sure

tltltltltltltltltltltltlt. LOL, hi Sweet thing.........

May 15, 2012 2:5 | 0 replies

@MissBhakajuju

*waving*.........how's my apple pie doing vandag......?

May 15, 2012 2:7 | 0 replies

Re tlo jewa bota.la felo moo .......

May 15, 2012 2:10 | 0 replies

@itsme4sure

ek is lekker, my Honeyyyy. hoe voel jy vandag ?

May 15, 2012 2:11 | 0 replies

@MissBhakajuju

i know you lekker.......i can feel the warmth of your soft velvet skin from where i am.

what you busy with.....i hope its not draining your energy....?

May 15, 2012 2:15 | 0 replies

@itsme4sure

nothing hactic @ all my Sugar. only thing draining my energy is thinking about U. lol

May 15, 2012 2:18 | 0 replies

@MissBhakajuju

purfect....keep that energy for laterz m strawberry...gonna sprinkle sum cream all over it......what is stimulating ur mind so much during the thinkink process...*wink*


May 15, 2012 2:27 | 0 replies

@tpaz
101. Don't depend on men for financial help.
_________________________

Do men give financial help? Please I need to be in your circles where men give financial help.

May 15, 2012 2:54 | 0 replies

@JajazQueen

look no further..............come hither ma Queen.....*wink*

May 15, 2012 3:8 | 0 replies

itsme4sure
@MsKinkyakaKamaSutra
@itsme4sure
do woman even know the meaning of budget?
************************************************************************
I will speak for myself......... I know
++++++++++++++++++++++
fantastic....so i will leave you in charge of our finances neh snookums....*wink*
***************************************************************************************************************
I will also keep the bank cards and pin. You will get an allowance

May 15, 2012 3:16 | 0 replies