Shape Up Your Finances: The Personal Finances Handbook is for Australian
individuals of any age. It is a handy short general guide to help you
get your personal finances into shape. The book offers insights into
managing your personal finances, outlining what you need to consider
through three life stages: early on, working life and retirement. It
describes financial processes in a clear and concise way without the
jargon, and it includes plenty of practical tips and suggestions. It
includes simple overviews of earning income, controlling spending,
building assets, taxes, entitlements, and superannuation. The tax
savings tips alone are worth the price of this book! Also included is an
outline of financial matters in retirement, including organising
retirement income, making wills – and even funeral arrangements. It
is important to learn how to invest in yourself to create and maintain
your income-earning ability. Whatever your goals, Shape Up Your Finances
will help you gain the confidence and know-how to put your own personal
finances into better order so that you can live the lifestyle of your
Chapter 1: Personal Finance Basics; The Life Stages, Income Surpluses, Personal Wealth, Your Financial Goal, Personal Banking,
Getting Financial Advice.
Chapter 2: Invest In Yourself; You – Your Most Important Asset, Learning To Earn, Study Costs Help, Staying Healthy, Managing Health Costs, Find An Outside Interest.
Chapter 3: Earning It; What You Can Do, Wages, Earnings Working For Yourself, Other Support Payments, Income From Investments,
Plan For Income.
Chapter 4: Managing Outgoings; Control Spending, Living Costs, Personal Budgeting, Budget Reviews, Ways To Save Costs, What To Do With Surpluses.
Chapter 5: Building Assets; Asset Investing, Real Estate, Financial Assets, Other Assets, Borrowing To Invest, Insuring Assets.
Chapter 6: Super; Overview Of Super, Contributing, Super Investments, Accessing It, Income In Retirement.
Chapter 7: Tax And You; Your Obligations, Taxable Income, What’s Payable, Tax Saving Tips, Records You Need.
Chapter 8: Your Retirement; Organising Finances, Who Can Decide, Making A Will, Aged Care, Before You Go, Key Points Summary.
About the authors
Ian Birt is an accountant and registered tax agent. He has degrees in accounting and law, as well as postgraduate diplomas in education and psychology. He has worked extensively in small business, at every level, and for an accounting firm specialising in small business clients.
Ian has taught small business financial management and taxation over many years in the vocational training system, and has written several successful books covering all aspects of small business management. The following books by Ian Birt are published by Tilde Publishing: Manage Finances and Develop Financial Plans: Running Your Business Better, Fifth Edition; and Marketing and Promoting Your Business: Products and Services, Second Edition; and Be Your Own Boss: The Practical Self-Employment Handbook.