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Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley.Ten years on from the financial crash, and we are still bad with money.We press ‘cash only’ at ATMs, and accept that we’ll be paying back our student loans with our pension savings.Money: A User’s Guide cuts through all the panic of personal finances. It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you’ve been avoiding including:• Housing (for renters and buyers)• Student Loans• Pensions• Paying off debt• Stocks and shares• Ethical investments• Money and Mental health• Money and LoveThis essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.

This pocketbook will guide you through the wonderful country with its honest people. It contains small and useful phrasebook will teach you what to get at the restaurants, how to deal with Russians and get directions. You will also find travel tips, world cup calendar and a lot more for a safe experience in Russia.