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Who says you can't have fun on just pennies a day? Dale and Sandy Larsen's home-tested tips on no-frills feasts, garage- sale shopping sprees, cashless decorating, bargain entertainment and low-budget (but not lukewarm!) hospitality will chase away your empty-bank-account blues. A Saltshaker(R) book. 140 pages, paper
“If you struggle to simplify your life and wish you could savor the here and now, this book is a must-read.” —Crystal Paine, founder of MoneySavingMom.com and New York Times–bestselling author Have you ever felt that your life—and budget—is spiraling out of control? Do you sometimes wish you could pull yourself together but wonder exactly how to manage all the scattered pieces of a chaotic life? Is it possible to find balance? In a word, yes. Ruth Soukup knows firsthand how stressful an unorganized life and budget can be. Through personal stories, biblical truth, and practical action plans, she will inspire you to make real and lasting changes to your personal goals, home, and finances. With honesty and the wisdom of someone who has been there, Ruth will help you: Discover your “sweet spot” —that place where your talents and abilities intersect. Take back your time and schedule by making simple shifts in your daily habits. Reduce stress in your home and family by clearing out the clutter. Stop busting your budget and learn to cut your grocery bill in half. This book provides real and practical solutions from someone who has been there. Ruth doesn’t just offer advice, she walks it with you, and shares with brutal honesty her own mistakes, failures, and shortcomings. It is encouraging, motivating, and life-changing. “An inspiring book full of step-by-step instructions and spiritual wisdom. I love how Ruth is transparent about her mistakes as she leads us to reevaluate our priorities. This book is a great biblical guide to living well and finding joy!” —Courtney Joseph, founder of Women Living Well Ministries
Achieve stellar savings with the techniques used on bradsdeals.com Do More, Spend Less provides tips, advice, real-world examples, and strategies consumers need to know to compete in the consumer world. Author Brad Wilson, founder of BradsDeals.com, explains the techniques and buying strategies that are used on his site, which have saved 19 million consumers more than $200 million on BradsDeals.com in the past year alone. The majority of deals on his site provide free, or nearly free, products and services. This book provides tips, advice, real-world examples, and strategies consumers need to know to compete in the consumer world. Shares why you should never buy an Apple product from the Apple store Details how to spend three weeks in a suite at the Park Hyatt Paris for $20 Shares the unknown way to clean up your credit report and add at least 20 points to your score The entire basis for thinking about how best to shop, spend, travel, bank—essentially all aspects of being a consumer—has fundamentally changed. The power is now in your hands, and Do More, Spend Less shows you how to master your savings.
Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.
It used to be that “stuff” made you cool. That is so twentieth century. Jeff Yeager, the man dubbed The Ultimate Cheapskate by Matt Lauer on Today, offers a completely fresh take on personal finance, teaching us how to enjoy life more by spending less. He will show you how to buy less stuff, retire young, and live financially free, while you make a positive difference in people’s lives and save the planet along the way. The Ultimate Cheapskate’s Road Map to True Riches lays out the practices and principles that have made cheap the new cool. Live within your means at thirty and stay there. The Ultimate Cheapskate was living well on what he earned at thirty, so when he made more money, he saved every penny. Now he is “selfishly” employed, doing work he loves and helping others. Do for yourself what you could have others do for you. Cheapskates are die-hard do-it-yourselfers. It’s all about having the right tools, and The Ultimate Cheapskate will get you started. Pinch the dollars and the pennies will pinch themselves. It’s not the $3 cup of coffee; it’s the big-ticket decisions that determine whether you’ll be financially free. So buy a house, not a castle. The Ultimate Cheapskate’s Road Map to True Riches promises a quality of life you cannot buy, a sense of satisfaction you cannot fake, and an appreciation for others and for the planet that gives life value. Open your road map and prepare to discover the true joys of financial freedom.
Frugal Living Tips Spend Less and Enjoy Life More (Frugal Living, Frugal Living Tips, Money Spending Tips) (Minimalist Living, Simple Living, Save Money - Save Your Energy - Save Your Life) Thank you for downloading Frugal Living Tips and congratulations for taking the right steps towards getting empowering ideas and information that can enable you to realize your financial freedom and a life that is more fulfilling if the tips are well implemented. Just like making sufficient amount of money can be an uphill task, the same applies to spending less than you make. Spending below what you earn is a practice that requires commitment and discipline and if not well monitored, one can easily drift to the old patterns of spending far above what they earn which may lead to a life of discomfort, debts, and anxiety.Frugal Living Tips is a book that is designed to help people understand the impact small savings can have on one's finances whether it is on foodstuff, grocery, cleaning, travel, entertainment and others. By implementing the tips shared in the book, you set yourself up to realizing your goals in a much faster way whether it is buying a home, a car, investing in your education, repaying debts and more. There is nothing that can be more refreshing than having a much better life as you continue to advance in age with more freedom to enjoy the family and things life has gifted you with. This book shared deep insight on frugal living tips and small changes that if well practiced, one is definitely bound to experience positive results and a big change in their financial freedom. Many people have found themselves experiencing more stress, being anxious and feeling hopeless as they advance in age, as they find themselves with too little money to retire in the fashion they want. This could be that they did not make enough money or just because they failed to plan and as a result spent too much money when they were active and earning good money. That is something that you can avoid by implementing the tips and adjusting your lifestyle to suit the kind of path you intend to take. As much as staying within a budget can be tempting, with clear intentions and discipline one can get ways of saving money so that your frugal lifestyle empowers you to have some savings you can use for emergency and even retire when you want to.Many people set both long-term and short-term goals but fail to realize them because they fail to take charge of their spending and even dedicating time to review their finances. Frugal Living Tips is a book packed with actionable tips that will help you stay on course with whichever goal you intend to achieve as the guidelines shared help in providing you with the insight necessary for the realization of your intended goals. The Do it Yourself tips shared in this book provides detailed information on how you can save huge amounts by engaging in small and simple exercises that are quite easy to handle.You have to start asking yourself better questions, such as do I really need this. Do I need that much of everything? Food, clothing? According to statistics approximately half of all food production worldwide is wasted and thrown in the garbage.We spend time and energy, which is literally our life, at work to make that money, then we buy food and clothes and they end up in garbage cans or in thrift stores often still with labels on them. If to take up the first and the last part of the equation, it means that we throw our life into the garbage can, instead of spending our time with loved ones or doing things we love.
Drake, who successfully downshifted his own work life, gives timely advice to help people move from the "fast track" to a more satisfying, less-focused lifestyle.
Are you struggling under the burden of debt without a financial cushion to fall back on? Do you long for financial freedom—to live comfortably, pay for your children’s education, or retire while you’re still young enough to enjoy it? Sam and Rob Fatzinger can help you cultivate the values and virtues you need to achieve your financial goals. In A Catholic Guide to Spending Less and Living More, the husband-and-wife team shares their extraordinary story of raising fourteen children on a modest income while living in an expensive metropolitan region. Their practical wisdom, hard-won spiritual insights, and Catholic perspectives on how they have created their own plan based on the financial advice of popular experts such as Dave Ramsey, Chris Hogan, and Brandon “Mad Fientist” Ganch will help you achieve your financial goals: Break free of debt—even if your family lives on one income. Pay off your mortgage and other big-ticket expenditures. Save for long- and short-term goals. Enjoy fun family vacations without going into debt. Cultivate interior virtues such as gratitude and generosity to prevent resentment and hoarding. Help your kids become good money managers and discerning consumers. Achieve a happier marriage and family life through Catholic principles of good stewardship.
A treasury of top-selected submissions to the popular personal finance blog WiseBread.com shares insights on how to enjoy life while living responsibly, in a resource that organizes entries under such headers as shopping in bulk, saving money while going green, and reducing one's mortgage and rent costs. Original.
Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head. If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning. Spend 'Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff. Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.