Financial Literacy Ebooks and Electronic Audiobooks

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Need some Financial Tips?

The Patchogue-Medford Library has compiled a list of Financial Literacy ebooks and Audiobooks for you to read or listen to. For physical resources, feel free to call us or come into the library to see our selections.

20 retirement decisions you need to make right now [electronic resource eBook] / Ray E. Levitre.
Inside are twenty major financial decisions that could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this fully revised and updated edition, you’ll learn how to manage your assets and prepare for the best possible retirement.

America’s cheapest family gets you right on the money [electronic resource eBook] : your guide to living better, spending less, and cashing in on your dreams / Steve and Annette Economides.
Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.

America’s cheapest family gets you right on the money [sound recording audiobook download] : your guide to living better, spending less, and cashing in on your dreams / Steve and Annette Economides.
Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.

Barneys, Bergdorfs & bills [electronic resource eBook] : a girlfriend’s guide to finance / Sydney Hedberg.
Money. They say it doesn’t buy happiness, but it sure buys everything else. As a finance major in college, I felt like I had a pretty good head on my shoulders about money; that was until I began to realize I would be graduating soon and the word «cut-off» began being uttered from my dad. Life isn’t cheap and we, as females, generally are not as well versed at handling money as men. Sad, but true. Far less women are getting business degrees these days therefore many women do not even know the basics of money management. The realization of this is what prompted me to write Barneys, Bergdorfs & Bills. A simple «girlfriend’s guide» to finance tailored towards fabulous college girls ready to take over the world.

Clark Howard’s living large for the long haul [electronic resource eBook] : consumer-tested ways to overhaul your finances, increase your savings, and get your life back on track / Clark Howard ; with Mark Meltzer and Theo Thimou.
The follow-up to Clark Howard’s #1 New York Times bestseller, Living Large in Lean Times, offers no-nonsense financial tips for achieving lifelong prosperity

Clark Howard’s living large in lean times [electronic resource eBook] : 250+ ways to buy smarter, spend smarter, and save money.
Living Large in Lean Times is Clark’s ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. 

CliffsNotes graduation debt [electronic resource eBook] : how to manage student loans and live your life / by Reyna Gobel.
With updated information that reflects the myriad changes in the student loan industry that affect students and their parents burdened with student loan debt, CliffsNotes Graduation Debt, Second Edition provides a step-by-step road map for effectively managing student loan debt and having a successful financial life.

College financing information for teens [electronic resource eBook] : tips for a successful financial life : including facts about planning, saving, and paying for postsecondary education, with information about college savings plans, grants, loans, scholarships, community and military service, and more.
College Financing Information for Teens, Third Edition, explains college costs and describes practical steps middle and high school students can take to begin preparing themselves for future challenges. It discusses choosing among different types of colleges and vocational schools, explains what’s involved in applying for and receiving federal financial aid, and describes other sources of aid.

Cut your grocery bill in half with America’s cheapest family [electronic resource eBook] : includes so many innovative strategies you won’t have to cut coupons / Steve and Annette Economides.
What could the average family do with an extra $3,000 ayear? America’s Cheapest Family® shows you strategies, tips, tools, and tricksin Cut Your Grocery Bill in Half, so you can achieve huge savings year afteryear. It’s a fact, the Economides say, saving money on groceries is one of thequickest ways to start making a positive difference in your family’s financialfuture.

Debt-free U [sound recording audiobook download] : how I paid for an outstanding college education without loans, scholarships, or mooching off my parents / Zac Bissonnette.
These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their financial futures just to get a fancy name on a diploma.

But Zac Bissonnette is walking proof that the assumption is not only false, but dangerous. From his unique double perspective—he’s a personal finance expert (at AOL Money & Finance) AND a current senior at the University of Massachusetts—Zac figured out how too get an outstanding education at a public college, without bankrupting his parents or taking on loans.

Enough bull [electronic resource eBook] : how to retire well without the stock market, mutual funds, or even an investment advisor / David Trahair.
Stop risking everything to make your investment advisor rich. The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn’t work. The risks are too enormous. Trusting the stock market is like gambling with yourfamily’s future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement.

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Family Wealth [electronic resource eBook] : Keeping It in the Family–How Family Members and Their Advisers Preserve Human, Intellectual, and Financial Assets for Generations.
The first edition of this book, privately published, became a word-of-mouth classic. Now, Hughes has updated and substantially expanded it with new chapters that challenge conventional notions of wealth and offer guidelines for conserving family assets in the broadest senses. Filled with tested principles and practices for family governance and joint decision making, it is a rich source of workable wisdom that family members can put into practice today, to the enduring benefit and gratitude of future generations.

Financial independence (getting to point X) [electronic resource eBook] : an advisor’s guide to comprehensive wealth management / John J. Vento.
Discover the ten key issues to achieving your financial goals and how to use them to realize your dream of financial independence From saving to purchase a first car, to putting kids through college to planning for retirement, to preserving your estate for your loved ones, our financial goals change from one stage of life to the next. While those goals and the challenges we face in achieving them may differ, all of them have certain things in common. Saving, budgeting, managing debt, minimizing taxes and living within your means. These are a few of the 10 Key Wealth Management Issues which come into play (to varying degrees) when working toward specific financial goals. But there’s one goal for which success relies on all ten keys coming together in perfect harmony: financial independence, also known as «Point X.» No matter how you define it—whether it’s a retirement income of $25,000 a year, or an estate worth $250 million—your future financial independence requires that you deal effectively with all ten key issues. And now this book shows you how to get it done, along with the guidance of a trusted advisor.

How to get out of credit card debt and stay out [electronic resource eBook] : what they are not telling you about credit card debt / Mitchell Watrous.
If you want to get out of credit card debt fast, then get this book!Credit card debt is a form of unsecured debt taken from a financial tool usually credit cards. These credit card debts are generated when credit card holder purchases products from these cards and accumulates due to the interest charged on it. Difficulty arises because people are not able to repay their loans effectively or in time. When a card holder is unable to pay his debts he is declared as «defaulter».In this book, «Living with Credit Card Debts», we are looking at how we can overcome the obstacle we often face when it comes to managing our credit cards.

Investing 101 [electronic resource eBook] : from stocks and bonds to ETFs and IPOs, an essential primer on building a profitable portfolio / Michele Cagan, CPA.
A crash course in managing personal wealth and building a profitable portfolio—from stocks and bonds to IPOs and more!

Too often, textbooks turn the noteworthy details of investing into tedious discourse that would put even Warren Buffett to sleep. Investing 101 cuts out the boring explanations, and instead provides a hands-on lesson that keeps you engaged as you learn how to build a portfolio and expand your savings. From value investing to short selling to risk tolerance, this primer is packed with hundreds of entertaining tidbits and concepts that you won’t be able to get anywhere else.

Jim Cramer’s get rich carefully [electronic resource eBook] / James Cramer.
Tired of phony promises about getting rich quickly? How about trying something different? How about going for lasting wealth—and doing it the cautious way? In Get Rich Carefully, Jim Cramer draws on his unparalleled knowledge of the stock market to help you navigate our recovering economy and make big money without taking big risks.

In plain English, Cramer lays it on the line. No-waffling, no on-the-one-hand-or-the-other hedging, just the straight stuff. He names names, highlights individual and sector plays, identifies the long-term investing themes—and explains how to develop the discipline you need to exploit them. An invaluable personal finance book, Get Rich Carefully is your guide to turning your savings into real, lasting wealth in a practical, highly readable, and entertaining way.

Jim Cramer’s get rich carefully [sound recording audiobook download] / James J. Cramer.

Life after bankruptcy [electronic resource eBook] : rebuild credit quickly and create wealth / Joshua Ray.
Are you considering bankruptcy? Have you already filed for bankruptcy? «Life After Bankruptcy» is an important tool in your library to create an improved financial future the day after you file. There are a number of things that you must take into consideration before and after filing, and this book addresses those details.

 Live your life for half the price [electronic resource eBook] : without sacrificing the life you love / Mary Hunt.
If you’re tired of working hard just to get by, this user-friendly guide shows how to slash the cost of nearly everything you need without sacrificing joy and quality of life.

Mastering money [electronic resource eBook] : how to beat debt, build wealth, and be prepared for any financial crisis / Norm Champ.
Do you support your family, pay your taxes, get the bills done on time—and yet still struggle to achieve financial security? If so, you’re not alone. About one-third of all Americans have not saved for retirement, another third have no savings at all, and more than half have no budget.

Norm Champ, a former director at the Securities and Exchange Commission (SEC), provides an in-depth primer on how money works, designed just for you—the non-finance reader.

Millennial money makeover [electronic resource eBook] : escape debt, save for your future, and live the rich life now / Conor Richardson.
Over half of Millennials are freaked out by their finances. Luckily, with Millennial Money Makeover readers now have a guide to help them navigate the financial issues of their time. Certified public accountant Conor Richardson offers a refreshingly helpful and elegantly designed program to tackle essential money matters.

Millennial Money Makeover takes readers on a six-step journey to transform their financial life and set them up for lifelong success. From learning how to pay off student loans insanely fast to optimizing a financial ecosystem, Millennial Money Makeover teaches readers how to reclaim their financial future and jump-start the path to the rich life.

The Capitalist Code [electronic resource eBook] : It Can Save Your Life and Make You Very Rich.
In his entertaining and informative style that has captivated generations, beloved New York Times bestselling author, actor, and financial expert Ben Stein sets the record straight about capitalism in the United States—it is not the «rigged system» young people are led to believe. As he reveals in The Capitalist Code, «Life can be faced by moaning and complaining or it can be faced by study, work, optimism, and faith in the free capitalist system. Guess which side gets the happier life?»

The Capitalist code [sound recording audiobook download] : it can save your life and make you very rich / Ben Stein.

The Cheapskate Monthly money makeover [electronic resource eBook] / Mary Hunt.
You don’t need another budget. You need a money makeover that works.

Reformed spendthrift and cred-card junkie Mary Hunt successfully turned her finances around. Now, she shares her own techniques, sound financial principles who went from being in the red to having more money, assets, and financial security than they ever dreamed possible.

The death of the banker [sound recording audiobook download] : the decline and fall of the great financial dynasties and the triumph of the small investor / Ron Chernow.
With the same breadth of vision and narrative elan he brought to his monumental biographies of the great financiers, Ron Chernow examines the forces that made dynasties like the Morgans, the Warburgs, and the Rothschilds the financial arbiters of the early twentieth century and then rendered them virtually obsolete by the century’s end.

The essential credit repair handbook [electronic resource eBook] : [a quick and handy guide for anyone who wants to get and stay out of debt] / by Deborah McNaughton.
The majority of debt-ridden consumers are in desperate need of financial budgeting and credit repair. The Essential Credit Repair Handbook contains all the information you need to walk you through the step-by-step process of repairing your credit and leaving debt behind!

The last chance millionaire [sound recording audiobook download] : it’s not too late to become wealthy / Douglas R. Andrew.
Personal finance bestselling author Doug Andrew shows you a remarkable way of how to plan for your retirement that most financial planners aren’t even aware of!

The lies about money [electronic resource eBook] : achieving financial security and true wealth by avoiding the lies others tell us– and the lies we tell ourselves / Ric Edelman.
Ric Edelman, #1 bestselling author of Ordinary People, Extraordinary Wealth, and the personal finance classic The Truth About Money, offers more great wisdom for investors—and a valuable insert of sample portfolios that outline everything you need to know about building the perfect portfolio.

Ric Edelman has helped more people achieve financial success than any other practicing financial advisor. Now, Ric reveals the deceptive and manipulative business practices occurring in your retail mutual funds—practices that are causing you to suffer higher fees, greater risks, and lower returns than you realize. In The Lies About Money, he offers you a detailed yet easy-to-follow plan that lets you take back control of your investments—and your financial future.

 The little book of the shrinking dollar [sound recording audiobook download] : what you can do to protect your money now / Addison Wiggin, with Samantha Buker.
With the weakening dollar a hot topic for retirees, savers, and investors, this Little Book delves into the economic turmoil in the U.S. and shows how to survive it

The United States dollar is losing value at an alarming rate. According to the Organisation for Economic Co-operation and Development (OECD) index, the U.S. currency is 37 percent below fair value against the Australian dollar and 20 percent versus the Canadian dollar. The decline of the U.S. dollar is one of the biggest threats facing American investors today, but with the Little Book of the Shrinking Dollar: What You Can do to Protect Your Money Now in hand, you have the knowledge and the expertise you need to fight back.

The money class [electronic resource eBook] / Suze Orman.

In nine electrifying, empowering classes, Suze Orman teaches us how to navigate these unprecedented financial times. With her trademark directness, she shows us how to tackle the complicated mix of money and family, how to avoid making costly mistakes in real estate, and how to get traction in your career or rebuild after a professional setback. And in what is the most comprehensive retirement resource available today, Suze presents an attainable strategy, for every reader, at every age.

The money class [sound recording audiobook download] / Suze Orman.

A simplified life [sound recording audiobook download] : tactical tools for intentional living / Emily Ley.
Offers strategies, systems, and methods for simplifying, prioritizing, and living life intentionally, focusing on the areas of living space, style, food, scheduling, finance, hospitality, technology, self care, motherhood, and faith.

Money secrets of the Amish [electronic resource eBook] : finding true abundance in simplicity, sharing, and saving / Lorilee Craker.
Take one thoroughly modern gal with a recessionary income problem, mix with the practices of a culture that has proved to be recession-proof, and what have you got?

A financial planner in a straw hat.

When writer Lorilee Craker learned that the Amish are not just surviving but thriving in the economic downturn, she decided to find out why. What she found was about a dozen tried and true financial habits the Amish have employed for generations that will make your cash last longer and help you build wealth.

Ordinary People, Extraordinary Wealth [electronic resource eBook] : The 8 Secrets of How 5,000 Ordinary Americans Became Successful Investors — and How You Can Too / Ric Edelman.
How did a secretary, a firefighter, a retired naval officer, a housewife, a construction worker, a schoolteacher, and a pharmacist become wealthy? Bestselling author Ric Edelman has studied the wealth-making habits of these and 5,000 other ordinary Americans.What he found is revealed for the first time in this book: the eight great secrets to attaining wealth. This extraordinary book is filled with the advice of everyday people — people like your own friends and neighbors — who entered the world of personal finance, often with no real plan at the start, but who found ways to accumulate astonishing amounts of money.

Personal finance in your 50s all-in-one for dummies [electronic resource eBook] / by AARP, Ray Brown, Bob Carlson, N. Brian Caverly, Esq., Kerry Hannon, Jack Hungelmann, Aaron Larson, Sarah Glendon Lyons, John E. Lucas, Jordan S. Simon, Eric Tyson.
«As you approach your 50s, you’re undoubtedly counting down the days to retirement–lounging on a sandy beach or even in a hammock in your own backyard. This all-in-one reference helps you make informed decisions about how best to spend, invest, and protect your wealth now so you can reap the rewards later. It’s never too late to find out how to manage a budget, limit expenses, find emergency funds, avoid scams, navigate insurance choices, and start a second career either working for yourself or someone else. And it’s never too early to get your affairs in order.» — Back cover.

Pound foolish [sound recording audiobook download] : exposing the dark side of the personal finance industry / Helaine Olen.
If you’ve ever bought a personal finance book, watched a TV show about stock picking, listened to a radio show about getting out of debt, or attended a seminar to help you plan for your retirement, you’ve probably heard some version of these quotes: «What’s keeping you from being rich? In most cases, it is simply a lack of belief.» –Suze Orman, The Courage to Be Rich. «Are you latte-ing away your financial future?» –David Bach, Smart Women Finish Rich. «I know you’re capable of picking winning stocks and holding on to them.» –Jim Cramer, Mad Money They’re common refrains among personal finance gurus. There’s just one problem: those and many similar statements are false. For the past few decades, Americans have spent billions of dollars on personal finance products. As salaries have stagnated and companies have cut back on benefits, we’ve taken matters into our own hands, embracing the can-do attitude that if we’re smart enough, we can overcome even daunting financial obstacles. But that’s not true. In this meticulously reported and shocking audiobook, journalist and former financial columnist Helaine Olen goes behind the curtain of the personal finance industry to expose the myths, contradictions, and outright lies it has perpetuated. She shows how an industry that started as a response to the Great Depression morphed into a behemoth that thrives by selling us products and services that offer little if any help. Olen calls out some of the biggest names in the business, revealing how even the most respected gurus have engaged in dubious, even deceitful, practices– from accepting payments from banks and corporations in exchange for promoting certain products to blaming the victims of economic catastrophe for their own financial misfortune. Pound Foolish also disproves many myths about spending and saving. Weaving together original reporting, interviews with experts, and studies from disciplines ranging from behavioral economics to retirement planning, Pound Foolish is a compassionate and compelling audioook that will change the way we think and talk about our money.

Retirement planning for dummies [electronic resource eBook] / by Matt Krantz.
«Advice and guidance on planning for retirement … Retirement Planning For Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury— or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides readers while they plan the largest financial obligation of their life. Take stock of your finances, proactively plan for your financial future, seek the help of professionals or go it alone, use online tools to make retirement planning easier. Whether you’re just starting out with a 401(k) or youre a seasoned vet with retirement in your near future, this book helps younger and older generations alike how to plan their retirement.» — Description provided by publisher.

Rich Dad’s Guide To Investing – Robert Kiyosaki and Sharon Lechter [electronic resource eBook]
This work offers a summary of the book «RICH DAD’S GUIDE TO INVESTING: What The Rich Invest In That The Poor And Middle Class Do Not!» by Robert Kiyosaki and Sharon Lechter.

Rich Dad’s Guide To Investing shows that the rich focus on positioning themselves advantageously as one of three general types of investors: the sophisticated investors, the inside investors and the ultimate investors.

Stop acting rich [electronic resource eBook] : –and start living like a real millionaire / Thomas J. Stanley.
«A leading expert on the affluent reveals the real way to build wealth With well over two million of his books sold, and huge praise from many media outlets, Dr. Thomas J. Stanley is a recognized and highly respected authority on the wealthy, their behavior, and their thinking. Now, in Stop Acting Rich, he details how the less affluent have fallen into the elite luxury brand trap that keeps them from truly acquiring wealth and details how to get out of it by emulating the working rich as opposed to the super elite.

The next millionaire next door [electronic resource eBook] : enduring strategies for building wealth / Thomas J. Stanley, PhD, and Sarah Stanley Fallaw, PhD.
Is the millionaire next door still out there today? The latest research from Dr. Thomas J. Stanley and his daughter, Dr. Sarah Stanley Fallaw, confirms that, yes, the millionaire next door is alive and well. And he’s achieving his financial objectives much the same way he always has: by living below his means, being a contrarian in a maelstrom of hyper-consumption, and being disciplined in reaching his financial goals. The book examines wealth in America 20 years after Dr. Stanley’s groundbreaking work on self-made affluence. While a new generation of household financial managers are being inu.

 The next millionaire next door [sound recording audiobook download] : enduring strategies for building wealth / Thomas J. Stanley, PhD, and Sarah Stanley Fallaw, PhD.
Is the millionaire next door still out there today? The latest research from Dr. Thomas J. Stanley and his daughter, Dr. Sarah Stanley Fallaw, confirms that, yes, the millionaire next door is alive and well. And he’s achieving his financial objectives much the same way he always has: by living below his means, being a contrarian in a maelstrom of hyper-consumption, and being disciplined in reaching his financial goals. The book examines wealth in America 20 years after Dr. Stanley’s groundbreaking work on self-made affluence. While a new generation of household financial managers are being inu.

The overspent American : why we want what we don’t need / with Juliet Schor [videorecording download]
This powerful video scrutinizes what Juliet Schor calls «the new consumerism» – a national phenomenon of upscale spending shaped and reinforced by a media system driven by commercial interests.  Illustrated with hundreds of media examples, The Overspent American draws attention to the costs (both financial and social) of the relentless search for happiness and identity through spending.

The smartest retirement book you’ll ever read [electronic resource eBook] / Daniel R. Solin.

Follow the advice in The Smartest Retirement Book You’ll Ever Read and you will: Find simple strategies to maximize your retirement nest egg, Steer clear of scams that rob you of your hard-earned savings, Ensure that your money lasts longer than you do, Avoid the common mistakes that can leave your spouse impoverished, Discover financial lifelines no matter how desperate the economy, «If you want a handy guide that provides information in small chunks, Solin’s book is it.» -Newark Star-Ledger

Who’s watching your money? [electronic resource eBook] : the 17 paladin principles for selecting a financial advisor / Jack Waymire.
The financial planner is becoming as important as the family doctor. Yet, as is often the case with other professions, it is difficult to know how to select a good advisor. This problem is compounded by the fact that, unlike doctors and lawyers, anyone can call themselves a financial planner/advisor. Blind Trust and its complimentary Web site, can be considered theConsumer Reportsfor financial advisors. It will tell readers what to look for, what to ask, and what to avoid when searching for a proper financial advisor.

Women & money [electronic resource eBook] / Suze Orman.
«The million-copy #1 New York Times bestseller, revised and updated with a whole new financial plan for 2018, for women who want short-term clarity and long-term security.  The message of Suze Orman’s phenomenal bestseller Women & Money resonates as deeply today as it did when it was first published: Why is it that women have such a complicated, dysfunctional relationship with money? With her signature mix of insight, truth-telling, and compassion, Suze hits home with advice that is at once intuitive and pragmatic. There is still no more trusted money expert than Suze Orman–and she’s making a comeback with a new, streamlined 2018 financial plan and some straight-talk for these tough times, when none of us can afford to sit back and relax when it comes to our money»– Provided by publisher.

Women & money [electronic resource eBook] : owning the power to control your destiny / Suze Orman.
Suze Orman investigates the complicated, dysfunctional relationship women have with money. With her signature mix of insight, compassion, and soul-deep recognition, she equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from making more out of the money they make. At the center of the book is The Save Yourself Plan–a streamlined, five-month program that delivers genuine long-term financial security. But what’s at stake is far bigger than money itself: It’s about every woman’s sense of who she is and what she deserves, and why it all begins with the decision to save yourself.

Your score [electronic resource eBook] : an insider’s secrets to understanding, controlling, and protecting your credit score / Anthony Davenport with Matthew Rudy.

«The most comprehensive insider’s look at what every consumer needs to know about their credit score–and most importantly, how to fix it If you, like so many millions of Americans, are terrified by the daily headlines regarding Equifax and identity theft, and how all of this can directly affect your basic credit score, then this book should be considered as mandatory reading.   Like it or not, a healthy credit score is essential if you want to participate in today’s financial world. But very few people actually understand how their credit score is determined. Worse yet, most don’t know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, here is a road map for navigating the confusing world of consumer credit. Drawing on the real stories of his own firm’s high-profile clients, as well as the stories of middle-class Americans, he reveals the hidden credit pitfalls that await even the most careful consumer and shares smart strategies to avoid them. An accessible but detailed manual, Your Score finally lets readers take control of their credit score, understand how to play the game, and gain an insider’s knowledge of how to better navigate the most important financial decisions of their lives»– Provided by publisher.