Where to Spend, Where to Save

Author Danny Kofke provides practical tips on budgeting, saving, and spending wisely. This practical guide walks readers through foundational steps--from structuring a working budget to planning to buy a home--to help build savings, improve credit, and knock out debt. With advice on loans, insurance, and retirement, this is the go-to guide for educators to build lasting financial success. Beginning K-12 teachers can use this book to: Create a working budget to facilitate comfortable living on a limited salary Understand how their credit score impacts their finances and how they can improve their score Develop effective savings to accomplish long- and short-term financial goals Strategize to reduce student loan debt without compromising necessary cash flow Plan more effectively for major future investments and significant life events Contents: Introduction Chapter 1: Budget on a Teacher's Salary Chapter 2: Save More in the Short and Long Term Chapter 3: Spend Less Chapter 4: Protect What Matters Chapter 5: Understand Your Credit Score Chapter 6: Eliminate Your Debt Chapter 7: Understand How to Buy a House and Manage a Mortgage Chapter 8: Plan Your Legacy Conclusion: What Really Matters References Index