Whether it’s learning about steps to negotiate rent on the subway ride home, or finding out how to save on festivals and events while waiting for your lunch order, Financial Fives will be your handy toolkit. The goal of Financial Fives is to provide easy to follow tips in areas of personal finance that are applicable to the average reader, to absorb ideas effectively, and also refer back to for easy reading.
This book can help you retire early, negotiate a pay raise, save money on home renovations, save money on your wedding, buy a home, become debt free, and more! And unique chapters on things like saving money at festivals, getting the most money out of travel and hotels, even how to make those most of launching your business idea!
Some chapters include:
– 5 Ways to Save Money on Car Maintenance
– 5 Ways Guilt-Free Ways to Invest in Yourself
– 5 Ways to Save Money on Throwing a Party
– 5 Ways Questions to Ask Your Realtor
– 5 Ways to Save Money on the Dating Scene
Targeted Age Group:: 22-45
What Inspired You to Write Your Book?
After graduating early from college, I found public libraries to be a place of relaxation, peace, safety, and discovery. Being able to read various books, magazines, white papers, as well as talk with librarians was absolutely engaging and exciting for me. I spent many weekends at the library and my weekly trip to pick up my holds was like Christmas, having the chance to dive into a new book, to learn something new. I started writing after I realized too many books in the personal finance genre were boring, repetitive, and digressive. I knew I could deliver valuable content in a way that appealed to busy readers, so I decided to write this book.
Five Ways to Protect Yourself against Unauthorized Purchases: There are few things that offend me financially as much as seeing either my credit card information compromised or an unscrupulous vendor trying to take advantage of my patronage. I’m a finance guy, and if there is one thing you don’t mess with, it’s someone’s hard-earned money. Luckily, with most transactions occurring via credit card, you can both track purchases for proof as well as leverage the large credit card companies to dispute transactions on your behalf if it gets to that point.
1) Make Sure Your Credit Card has a Dispute Process: This is a must. Fortunately, most cards do have this program free of charge and will go to bat for you when problems arise. However, always check and read the fine print in this area. Under-stand that process. Is it user-friendly? Do they require all documentation before they even acknowledge it, or do they first make the vendor prove the charge was valid? My card company has a very easy process on their website. You login, find the transaction on your account activity, and then just click Dispute this Transaction. It’s a three-step process to say why you are disputing the transaction and to upload any documentation. The rest is in their hands, and they’ll put a conditional credit back on your account until the claim is resolved.
2) Document Everything: I don’t mean just keep receipts. When you dispute a service, for example, a yoga studio membership you thought you’d canceled, make sure you get a copy of the written cancellation request you’d submit to them or any email from one of the associates that they have received your request. Most vendors have requirements that you must cancel a recurring service several days before your next billing date, so be conscious of this, as well. If you are disputing a product you feel is subpar or something along those lines, document the emails exchanged with the vendor, transaction numbers, dates, photos of the item, etc. You want to make it as easy as possible for your card company to fight the charge on your behalf, and documenting everything you can is the best way to do this.
3) Try to Talk to the Vendor First: As with many conflicts in life, sometimes just having an honest conversation with a company/vendor with whom you are unhappy can rectify the situation. These days, with online reviews and social media, businesses know how quickly their reputation can be damaged. Be honest, respectful and rational in your quest to recover the charge or get a replacement. Rather than deal with intimidating card company representatives or risk bad reviews, businesses may just do what it takes to keep you as a happy customer. It also helps to buy from reputable companies and online sellers, so you know others have had good experiences as well, and they will make you whole if need be.
4) Have Your Card Issuer Send You a New Card: If your card was stolen or you keep getting unauthorized charges, the best thing to do is to get a new card issued with a different card number. If your card was stolen, this will stop the thief from adding charges to your account, and if reported in time, most card companies will relieve you of the responsibility to pay for the unauthorized charges. If the card is being charged for a service you can-celled or are disputing, this will prevent the vendor from being able to keep charging the same card, since a new card will have a different number. A new card is a fresh start, and free, so take advantage of it!
5) Set Reminders for Cancellation Periods: As mentioned above, most companies or subscription services have cancellation periods, usually 7-10 business days prior to the regular billing date, to prevent your card from being charged again. Look up all the services you currently have, such as gym memberships, dating services or magazines, and create reminders in your phone or a note next to each vendor in your budget so you don’t have to worry about remembering those dates, which almost never happens (at least not for me). As soon as you know you are moving or you no longer need a service, look up these services and know these dates. Or if it is a sudden event, reference point #3 above in talking to the vendor about your situation.
Links to Purchase Print Books
Buy Financial Fives: The Top 325 Ways to Save, Earn, and Thrive to Retire Before 65 Print Edition at Amazon
Links to Purchase eBooks – Click links for book samples and reviews
Buy Financial Fives: The Top 325 Ways to Save, Earn, and Thrive to Retire Before 65 On Amazon
All information was provided by the author and not edited by us. This is so you get to know the author better.