tailieunhanh - Don't Spend Your Raise

Consider these facts. The average college student graduates owing almost $20,000 in student loans. In addition, nearly 10 percent of undergraduates owe more than $7,000 in credit card debt. Young Americans aged 15-­25 filed bankruptcy at a record rate in 2000, accounting for nearly 7 percent of the nation's personal bankruptcies. Clearly, young people today need help managing their money better. | 36 uj cn 1 IỈ tn f ID in gạ - gm - DON T SPEND YOUR RAISE F WL __an Extraordinary Praise for Dara Duguay and Don t Spend Your Raise If you quickly scan the chapter titles you ll discover that you re doing the exact opposite of what Dara Duguay recommends in this book which is exactly why you need to read it. If you adopt Duguay s commonsense ideas you ll live a happier richer life. Ric Edelman author of the 1 New York Times bestseller Ordinary People Extraordinary Wealth I cannot think of an easier and better way to educate young people financially than to read and discuss with them a money rule a day for two months. Don t Spend Your Raise is a uniquely valuable guide to financial well-being. Stephen Brobeck Executive Director Consumer Federation of America The author s conversational narrative style peppered with real-life anecdotes makes this an easy yet informative read. You can pick and choose from the situations that sound familiar and learn from them. Reading and heeding the advice in this book is a great way to avoid making future money mistakes without feeling judged. M. Kathryn Kelly Assistant Director American Bankers Association Education Foundation As the NASDAQ Educational Foundation strives to promote education about financial markets the free enterprise system and smart investing it helps to find young consumers who already have a good understanding and appreciation of basic personal finance. Dara Duguay s frank and sensible new book goes a long way toward laying this foundation of financial knowledge. Through examples and anecdotes to which young people will surely relate she offers advice and warnings that will resonate with anyone who has ever saved spent borrowed or invested. Laura Levine Director NASDAQ Education Foundation This page intentionally left .