How To Save Money & Organize Your Finances: Tales of an Urban Consumer

How do you survive the consumer demands of an urban lifestyle? We rise and shine, hop on the bus or subway and grab a newspaper, cup of coffee, and donut or bagel on the way to work. At lunchtime we dash to the deli to buy a sandwich and drop by the local neighborhood drugstore to purchase a few items. We're too tired to cook by the time we get home and therefore order Chinese take-out for dinner. Before we know it, we've spent 30 bucks, hands down, by the end of the day. Now multiply that by five workdays. Assuming the same daily routine, that's $150 per week and approximately $8,000 per year.money that could have been used to build up savings or pay off debt! Whether you want to or not, regardless of whether you love to shop, are a spendthrift or somewhere in between...you can't help but to spend money as a city dweller. You'd virtually have to be a hermit not to. And even then, you would still have to spend money just to supply even your most basic needs: Electricity. Groceries. Transportation. A roof over your head. In this book, you will learn how to: Save money everyday as an urban consumer Establish a personalized budget Be financially organized Eliminate and stay out of credit card debt Learn how to obtain your credit report-for free Prevent identity theft Prepare to become a homeowner if you rent Redirect money that is unnecessarily, uncontrollably leaking toward uses more meaningful and important to you Set-up your small business (including tips that you're not going to learn in business school) and much more! From one urban consumer, to another! "While Brooks-Rolling targets city dwellers, How To Save Money and Organize Your Finances: Tales of an Urban Consumer is an absolute must-read for anyone who is truly committed to laying the foundation for multigenerational wealth. It is an accessible, easy-to-follow and desperately needed guide to the kind of lasting financial empowerment that can only come from good stewardship, no matter how much-or how little-money we think we have. If you really want to build wealth, buy this book." Alfred A. Edmond Jr. Sr. VP/Editor-in-Chief BLACK ENTERPRISE