Does Personal Finances For Dummies Pdf Include Budgeting Tips?

Vanessa has always dreamed of having a perfect life with her one and only fiance, Nicholas. But, her dream was turned upside down when the one she loved and wanted to marry, betrayed her at her darkest moment. Vanessa’s company was on the brink of going bankrupt, but surprisingly, a feared zillionaire bachelor who was every ladies dream came out of nowhere to set things right for her! And guess what? The hot feared bachelor is also her jerk ex fiance’s uncle! To Vanessa, she signed a marriage contract with the feared bachelor and was only playing her part as his wife in public. But little did she know, to the zillionaire bachelor, it was the real deal! And he made his decision to spoil her beyond her wildest imagination!.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

My mother-in-law is extremely frugal. She reuses paper others have discarded, carefully saving the unmarked portions. She even takes the black waste oil from the kitchen range hood and uses it to cook our meals. She says, "Frugality is a virtue—it brings blessings!" I try tirelessly to convince her otherwise, throwing out all her filthy items to protect my family's health. But while she praises me to my face, behind my back, she uses my baby's food scissors to clip her grimy toenails. My child eventually dies of a lung infection, leaving me heartbroken. My mother-in-law, however, points her finger at me, saying I'm unlucky and that I've brought misfortune to their family. Even my husband blames me. In the end, they use a knitting needle to pierce my throat and stab me to death. When I open my eyes again, I find myself back on the day I first see her picking up dirty paper. The first thing I do is hide all the high-quality tissue paper I had stocked up on before my pregnancy, pretending I knew nothing. She calls these blessings, right? Fine. The blessings of this miserly frugality—she can reap them all herself!

My mom is an HR professional. She uses KPI to determine my entire life. "If you get into the top ten of your grade, you'll receive a B grade as well as a bonus of 500 dollars. If you can achieve a ranking at a state-level competition, you'll receive an A grade as well as a bonus of 1,000 dollars. Of course, if you can get into a top-tier university after scoring well in your SATs, I'll give you an S+ grade as well as a year-end bonus of ten thousand dollars!" I work my ass off in my studies and manage to earn the offer letter to a top-tier university. But that's when my mom puts a contract in front of me. "Congratulations on getting hired. From today onward, your allowances will be determined by the total of your base salary, KPI, as well as your full attendance award. "Your base salary is 500 dollars. It's to make sure that you won't starve to death, at the very least. In order to help you adapt to workplace stress in advance, I'll check on your progress randomly. If you don't meet my requirements, I'll deduct your salary." When I'm down with a fever of 104 degrees Fahrenheit, my mom deducts my full attendance award, claiming that my physical attributes aren't up to par. In order to catch up on my studies, I've completely forgotten to submit my weekly report to my mom. Because of that, she suspends my allowances. So, I have to sell my blood to a hospital behind her back just so I can survive. At the end of the school term, I show my mom my grades as well as the certificate to my scholarship, thinking that I'll be eligible for the highest KPI and the bonus. But that's when my mom tells me coldly, "The company has decided to give your S+ bonus to your younger brother as a form of investment. After all, he has more potential to achieve better results compared to you." As I gaze down at the 200-dollar consolation prize, I can't help but laugh. It turns out that I'm not even worthy of being recognized as a good employee in my mom's company.

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

My mom wants me to report every single detail in my life to her every day. I only get to receive my allowance once I do so. One phone call is equivalent to me receiving one cent. "My dear daughter, I love you so much, you know. Just let me know whatever you're doing every day. Only then can I relax." I don't have the heart to let my mom down, so every day I put all of my effort into coming up with something. That way, I can only gather enough money to buy the cheapest food in the cafeteria. But the food isn't enough to sustain me, leaving me hungry every day. Finally, I break down emotionally. That is, until I receive an allowance from my dad, who's supposed to be dead for many years…