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    Everyday Money Management
    Everyday Money Management
    Everyday Money Management
    Ebook48 pages1 hour

    Everyday Money Management

    By Peter Mulraney

    ()

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    About this ebook

    If you never seem to have enough money or you're thinking about starting a small business - this is a book for you.
    The problem with money is never the money.
    Money is simply a tool. The problem with money management always comes down to one thing: the money manager. In your case, if you're having money problems, that's you.
    Money management is a simple task that is easy to understand but it requires a plan and self-discipline.
    In Everyday Money Management, retired banker and auditor, Peter Mulraney, gives you the money management education you missed.
    Study the four basic principles, follow the money management strategy, and take charge of your money.

    LanguageEnglish
    PublisherPeter Mulraney
    Release dateMar 30, 2017
    ISBN9780994562463
    Everyday Money Management
    Author

    Peter Mulraney

    Peter grew up in country South Australia, before going to Adelaide to complete high school and attend university. While he was studying in the city, he met an Italian girl and forgot to go home. Now he’s married and has two grown children.He worked as a teacher, an insurance agent, a banker and a public servant. Now, he gets to write every day instead.He is the author of the Inspector West and Stella Bruno Investigates crime series; the Living Alone series, for men who find themselves alone at the end of a long term relationship; and the Everyday Business Skills series for people looking to take advantage of his knowledge and skills.As a mystic, he has written several books which explores some of life's deeper questions, including Sharing the Journey: Reflections of a Reluctant Mystic, and My Life is My Responsibility: Insights for Conscious Living.

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      Book preview

      Everyday Money Management - Peter Mulraney

      Everyday Money Management

      Everyday Money Management

      Peter Mulraney

      Copyright © 2017 Peter Mulraney

      All rights reserved.

      No part of this book may be reproduced in any form or by any electronic or mechanical means, including information storage and retrieval systems, without written permission from the author, except for the use of brief quotations in a book review.

      Disclaimer: Information provided is from the author’s perspective. The author assumes no responsibility for your financial success or failure.

      Cover images from OpenClipArt.org.

      ISBN: 978-0-9945624-6-3

      Vellum flower icon Created with Vellum

      Everyone is entitled to this information.

      You’re invited to apply it.

      Contents

      Introduction

      Glossary of terms

      Principles of money management

      Understanding your cash flow

      Taking control of your personal cash flow

      Do some long-term planning

      Wealth creation

      Planning to start a small business

      Business cash flow analysis

      Final word

      A note from Peter

      Other titles by Peter Mulraney

      Introduction

      This is a book for you if you're looking for ideas on money management because:

      you never seem to have enough money, or

      you’re thinking of starting a small business.

      Money

      The stuff that makes the world go around or, at least, the stuff that greases the axles of whatever mechanism it is that makes things happen in our society.

      Officially, money is a medium of exchange, something created to facilitate the buying and selling of goods and services. It could be anything, and in past eras many things have been the agreed medium of exchange. Once upon a time, for example, you needed to have gold in your purse. At other times, and in other places, you needed bags of barley seeds or various types of shells. You can read the complete history of money in Wikipedia, if you're interested in the historical details, but you don't need to know any of that stuff.

      Money is also regarded as a store of value or measure of wealth. That's why you see the price of things expressed in dollars, for example, and we think people with lots of money, like billionaires, are rich.

      In modern societies, money is represented as a paper based currency or, increasingly, as a string of digits in electronic bank accounts connected to smart chip enabled plastic cards.

      Money Management

      Whatever form it takes, money needs to be managed or, to put it bluntly, your use of

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