“The Little Black Book of Common Cents” by Te-erra S Davis

Money management is an important part of life. Saying that money makes the world go around is an amusing overstatement, but there is some truth to it! To get the things you want in life, you need money. Knowing how to handle your finances will make it easier, while also leading to a more comfortable lifestyle. Effectively managing your money is all about gaining the necessary skills, implementing the strategies, and exercising self-control. It may seem intimidating at first, but once you get into the habit of saving, making, and managing your money, you will enjoy the freedom from fear, stress, and worry! In the Little Black Book of Common Cents, we will go over several key areas including but not limited to:

• Creating and sticking with a budget
• Cutting expenses without sacrificing your lifestyle
• Saving money every day
• Getting out of debt
• Boosting your income
• Refinancing your mortgage
• Boosting your credit score
• Protecting your identity

Take time at the end of each chapter to reflect and implement the steps. After all, your financial success is up to you!

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