Best Free Personal Finance PDF Guides and Ebooks

By managing your personal finances well, you will be able to get more out of every dollar that you earn - regardless of what your income or your lifestyle is.

Managing personal finance involves the ability to set financial goals, work towards them and secure your financial future.

However, reliable and unbiased financial advice is not easy to come by. As a result, many people keep making the same mistake over and over again. They do not plan well in advance, give in too often to temptation and spend unnecessarily, listen to dubious advice given by enthusiastic financial salespeople and most importantly do not do sufficient research before making decisions of a financial nature.



Further, personal finance includes all aspects of one’s financial life: tracking income and expenses, saving and investing, understanding taxes and insurance as also planning for long-term goals like retirement, college education for one’s children or buying a house.

It is therefore very important that a personal finance guide helps you think about your finances in a holistic way so that you can work on a comprehensive plan for your present and financial future.

Here are some of the best free personal finance PDF guides and ebooks that will allow you identify your financial goals and that will give you advice on how best to achieve them.

Building Wealth: A Beginner’s Guide to Securing Your Financial Future.
(http://www.dallasfed.org/ca/wealth/pdfs/wealth.pdf)

This guide from the Federal Reserve Bank of Dallas contains excellent financial advice for both individuals as well as families. It helps them understand various wealth-building strategies like financial planning, saving and investing, budgeting and managing debt. It also helps the reader work out a personalized plan for building personal wealth.

Money Matters: Your Guide to Financial Security.
(http://www.pueblo.gsa.gov/cic_text/money/moneymatters/moneymatters.pdf)

This ebook will give you plenty of tips on how to set financial goals for yourself, organize all your financial papers, choose a reliable financial professional, understand various investment options and learn to invest safely and plan for a financially secure future.

Pathways to Getting Ahead.
(http://www.bos.frb.org/consumer/pathways/index.htm)

Contrary to what many young people believe, it is never too early to start understanding and taking charge of one’s personal finances. This booklet is meant especially for young adults and aims to make them aware of the importance of managing one’s personal finances and managing them well. Along with educating them on the kind of benefits that jobs can bring, other than a simple paycheck, it also provides them with information about other financial resources that can be used when there are no jobs or if there is a financial emergency.

Be Prepared, Be Informed, Be In Charge: Simple Strategies for Managing Your Money.
(http://www.fdic.gov/consumers/consumer/news/cnwin0607/winter06-07.pdf)

This guide from the Federal Deposit Insurance Corporation provides help with some of the most important money matters affecting consumers today. It offers advice on how to stay financially fit, avoid unhealthy debts and also importantly, on how to protect one’s deposits with FDIC insurance.

10 Questions to Ask When Choosing A Financial Planner.
(http://www.mint.com/blog/10questions.pdf)

There is no doubt that a good financial planner can provide you with valuable advice and assist you immensely in managing your personal finance as well as in planning for long-term financial security. However, how do you know if the financial planner you are about to hire will give you reliable and unbiased advice? This simple brochure lists the most important questions that you should ask before choosing any financial planner.

66 Ways to Save Money.
(http://www.pueblo.gsa.gov/cic_text/money/66ways/66ways.pdf)

As the title indicates, this ebook lists not a mere ten or twenty but a remarkable 66 ways in which you can save money. From simple ways to save costs of food, transportation, housing and utilities, the ebook also lists some helpful ways of saving money on insurance, banking and loans.

Get the Facts on Saving and Investing.
(http://www.sec.gov/pdf/facts.pdf)

This excellent ebook from the SEC helps you understand the fundamentals about saving and investing. It explains how by taking simple, small steps one can plan for one’s financial security through saving and investing. The book contains plenty of tips and more importantly worksheets aimed at helping you track your income and expenses as also to calculate your net worth.


This is a guest post written by Hadar Kadar. Hadar works for Cogniview, world-leaders in _PDF to excel conversion tools_