{"product_id":"the-average-familys-guide-to-financial-freedom-paperback-softback-9780471416272","title":"The Average Family's Guide to Financial Freedom (Paperback \/ softback) 9780471416272","description":"\u003cfont face=\"Georgia\"\u003e\r\n\u003cp\u003e\u003cfont size=\"6\"\u003eThe Average Family's Guide to Financial Freedom\u003c\/font\u003e\u003cbr\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003c\/p\u003e\n\u003cp\u003e\u003cfont size=\"4\"\u003eBill Toohey (Author), Mary Toohey (Author)\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e9780471416272, Wiley\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003ePaperback \/ softback, published 20 July 2001\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003e256 pages\u003cbr\u003e22.2 x 14.2 x 1.7 cm, 0.331 kg\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\r\n\r\n\r\n\u003cp align=\"justify\"\u003e\u003cstrong\u003e\u003cfont size=\"3\"\u003eBill and Mary Toohey are average middle income people from a small Iowa town. Bill has been employed for 23 years as a Vocational Rehabilitation Counselor and Mary has worked for 20 years as an Office Manager for a small psychological firm. They started saving and investing in 1991 when their net worth was $63,000. Eight years later their net worth was $467,000. In other words, their assets increased by an average of more than $50,000 per year during that period while their income (not counting dividends and capital gains) averaged about $65,000 per year. But it wasn't always easy. They have three children, Colleen (24), Tim (22), and Meghann (14). Tim has been severely disabled since birth and despite the challenges of helping Tim cope with his chronic illnesses, the Toohey family has been able to achieve financial freedom on a modest income. They were able to build a sizable nest egg in eight years while encountering some of life's biggest expenses during the period. They helped to pay for their daughter's college education and wedding, paid cash for a new car, and made several expensive home improvements. Despite those major expenses the Tooheys still managed to save 46% of their gross income and were listed among the \"Best Personal Finance Managers in America\" in the December 1994 issues of Money magazine. The Tooheys' story, in an article written by Bill, appeared in the April 1997 issue of Money magazine. Mary co-authored an article published in the February 1998 issue of McCall's magazine. In May, 1997 Bill was invited to speak at Money magazine's Elgin Project seminar series. Money magazine \"adopted\" Elgin, Illinois and brought in speakers with expertise in personal finance. Former President Bush kicked off the event.\u003cbr\u003e \u003cbr\u003e How did they do it? How do they think? How do they live? Is it possible to save so much and still have a decent life? Can my family do this? Get the answers to all these questions and more in a book written specifically for families with children who don't earn big bucks.\u003c\/font\u003e\u003c\/strong\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eBUILDING A MONEY-SAVING MINDSET.\u003cbr\u003e \u003cbr\u003e Love: The Impact of Money on Relationships.\u003cbr\u003e \u003cbr\u003e Crisis: Maintaining Normalcy in a Crisis.\u003cbr\u003e \u003cbr\u003e Comfort: How to Be Comfortable in a Modest Home.\u003cbr\u003e \u003cbr\u003e SPENDING LESS IS EASIER THAN SAVING MORE.\u003cbr\u003e \u003cbr\u003e Saving: Why Saving Doesn't Work.\u003cbr\u003e \u003cbr\u003e Spending: The Double Whammy of Spending Control.\u003cbr\u003e \u003cbr\u003e Borrowing: Despising Debt.\u003cbr\u003e \u003cbr\u003e NECESSITIES AND A FEW EXTRAS.\u003cbr\u003e \u003cbr\u003e Home: Choosing the Right House Will Make You or Break You.\u003cbr\u003e \u003cbr\u003e Wheels: Car-Buying Secrets.\u003cbr\u003e \u003cbr\u003e Entertainment: Having Fun Without Breaking the Bank.\u003cbr\u003e \u003cbr\u003e Splurge: Coming Up for Air.\u003cbr\u003e \u003cbr\u003e BIG TICKET MONEY SAVERS.\u003cbr\u003e \u003cbr\u003e Research: Money-Saving Strategies for Big Ticket Purchases.\u003cbr\u003e \u003cbr\u003e Scholarship: A Debt-Free College Education for $7000!\u003cbr\u003e \u003cbr\u003e Taxes: Taking Advantage of Tax Breaks.\u003cbr\u003e \u003cbr\u003e SIMPLIFY YOUR LIFE.\u003cbr\u003e \u003cbr\u003e Supplies: Office Supplies You Must Have.\u003cbr\u003e \u003cbr\u003e Files: Building a Bulletproof Filing System.\u003cbr\u003e \u003cbr\u003e Sleep: The Costs of Losing Sleep.\u003cbr\u003e \u003cbr\u003e PRACTICAL MONEY-SAVING SKILLS.\u003cbr\u003e \u003cbr\u003e Maintenance: Make Your Things Last Forever.\u003cbr\u003e \u003cbr\u003e Skills: Do It Yourself and Save.\u003cbr\u003e \u003cbr\u003e BE YOUR OWN FINANCIAL EXPERT.\u003cbr\u003e \u003cbr\u003e Planners: The Best Financial Planner for You Is You.\u003cbr\u003e \u003cbr\u003e Foundation: Building Your Financial Future on Solid Footing.\u003cbr\u003e \u003cbr\u003e Homework: Investing Knowledge ... Where to Get It.\u003cbr\u003e \u003cbr\u003e INVESTING.\u003cbr\u003e \u003cbr\u003e Bonds: Smoothing Out the Dips.\u003cbr\u003e \u003cbr\u003e Cash: A Risky Investment.\u003cbr\u003e \u003cbr\u003e Choosing: Drowning in a Sea of Choices.\u003cbr\u003e \u003cbr\u003e Dumb Moves: Our Investment Mistakes.\u003cbr\u003e \u003cbr\u003e RETIREMENT.\u003cbr\u003e \u003cbr\u003e Plans: IRAs, Roths, 403(b)s, 401(k)s, SIMPLES, SEPs, Keoghs ...\u003cbr\u003e \u003cbr\u003e Enough: Keeping Our Money from Petering Out Before We Do.\u003cbr\u003e \u003cbr\u003e Threats: A Sample of Things That Can Go Wrong.\u003cbr\u003e \u003cbr\u003e PARENTING.\u003cbr\u003e \u003cbr\u003e Supper: We Raise Our Kids at Dinner.\u003cbr\u003e \u003cbr\u003e Indulge: Spending Money on Kids.\u003cbr\u003e \u003cbr\u003e Discipline: Chaos Poses a Threat to Your Family's Financial Health.\u003cbr\u003e \u003cbr\u003e Afterword.\u003cbr\u003e \u003cbr\u003e Index.\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\u003cp\u003e\u003cfont size=\"3\"\u003eSubject Areas: Finance \u0026amp; accounting [\u003ca title=\"See our other books on Finance \u0026amp; accounting\" href=\"https:\/\/freshlyprintedbooks.co.uk\/search?q=%22Finance%20\u0026amp;%20accounting%20%5BKF%5D%22\"\u003eKF\u003c\/a\u003e]\u003c\/font\u003e\u003c\/p\u003e\r\n\r\n\r\n\u003c\/font\u003e","brand":"Wiley","offers":[{"title":"Brand New","offer_id":52293471764760,"sku":"9780471416272","price":19.19,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0730\/2037\/5320\/files\/9780471416272.jpg?v=1781640911","url":"https:\/\/freshlyprintedbooks.co.uk\/products\/the-average-familys-guide-to-financial-freedom-paperback-softback-9780471416272","provider":"Freshly Printed Books","version":"1.0","type":"link"}