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Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.
Over half of Millennials are freaked out by their finances. Luckily, with Millennial Money Makeover readers now have a guide to help them navigate the financial issues of their time. Certified public accountant Conor Richardson offers a refreshingly helpful and elegantly designed program to tackle essential money matters. Millennial Money Makeover takes readers on a six-step journey to transform their financial life and set them up for lifelong success. From learning how to pay off student loans insanely fast to optimizing a financial ecosystem, Millennial Money Makeover teaches readers how to reclaim their financial future and jump-start the path to the rich life. Built for readers in their twenties and thirties, this book gives Millennials a proven playbook. Learn new hacks like how using robo-advisors can increase your returns and how leveraging delayed gratification when buying your first home can save you thousands. Whether you are planning a passion budget, figuring out how to finally purchase that big-ticket item, or thinking about taking your first dip into investing, Conor will show you the way.
Find out what thousands of women have learned about achieving wealth Take the money personality test that can change your life Uncover your hidden financial talents Learn to invest without fear Between one third and two thirds of women now aged thirty-five to fifty-five will be impoverished after age sixty-five if they do not immediately start to prepare financially for their later years. It is Christopher Hayes's mission to change that frightening statistic. Women are less psychologically inclined than men to save on a regular basis. Women are less likely than men to benefit from Social Security and pension plans. Women are at increased financial risk because of widowhood and divorce. For these reasons alone, Money Makeovers provides information no woman can afford to be without. In a book that is at once a wake-up call and a practical guide, Dr. Christopher L. Hayes, Founder and Executive Director of the National Center for Women and Retirement Research, teaches women to understand their own "financial personality profile," overcome gender-based resistance, and take charge of their economic security. By addressing the specific links between money attitudes and personality types, Money Makeovers offers targeted advice that speaks to the unique concerns and fears of the individual reader. Each woman will be able to recognize herself in the specially designed "Women Cents Self-Test," as well as in the anecdotes and case histories throughout the text, and will be empowered to move forward with a practical financial plan. By learning why she has been reluctant or unable to save; by learning how to overcome her own psychological barriers; and by following Hayes's savvy, specific financial advice, each woman will be able to plan her own future, free of economic anxiety. From the Hardcover edition.
Amid a mood of collective belt-tightening, instead of moving out or moving up, Americans today are staying home and staying put. But just because they're keeping the homes they have, doesn't mean they have to compromise the way they live. In fact, now that new home construction is down, suppliers, contractors and craftspeople are more available and more amenable to negotiating their rates-even for small projects-than ever before. So, if you want to upgrade your home and improve its value without spending a lot, now is the perfect time to do so. Clearly organized room-by-room, including outdoor spaces, and filled with evocative before and after photos, the book shows readers how they can change the spirit of a room at various budgets, either with DIY decorative changes or modest remodeling efforts that transform their spaces for contemporary lifestyle needs. This sequel to last year's popular title Staged to Sell (or Keep) will contain a selection of DIY project ideas with how-tos in each chapter, as well as sidebars including practical tips on space-saving ideas and storage solutions. Appendices will include a section on informative tips on Choosing a Contractor and advice on Creating a Punch List and Establishing a Budget.
Transform tired furniture into stunning showpieces: “A fabulous how-to volume for everything from sanding to decoupage and beyond.” —The City Sage blog You’ll never look at a hand-me-down dresser the same way again! This book offers twenty-six easy-to-follow techniques that can be applied to all different types of pieces, from bookshelves to desks: painting, applying gold leaf, wallpapering, distressing, dip dyeing, and more. In addition to the core techniques, author and Knack Studios founder Barb Blair shares thirty beautiful before-and-after makeovers from her studio and outlines how to achieve each look. With helpful step-by-step photographs, a visual glossary explaining all the tools and materials needed, and a lovely contemporary aesthetic, Furniture Makeovers is a treasure trove of ideas and instruction for the home decorator. “Her amply illustrated book shows why her repurposed furniture is in demand.” —Publishers Weekly
The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.
This New York Times bestselling book is filled with hundreds of fun, deceptively simple, budget-friendly ideas for sprucing up your home. With two home renovations under their (tool) belts and millions of hits per month on their blog YoungHouseLove.com, Sherry and John Petersik are home-improvement enthusiasts primed to pass on a slew of projects, tricks, and techniques to do-it-yourselfers of all levels. Packed with 243 tips and ideas—both classic and unexpected—and more than 400 photographs and illustrations, this is a book that readers will return to again and again for the creative projects and easy-to-follow instructions in the relatable voice the Petersiks are known for. Learn to trick out a thrift-store mirror, spice up plain old roller shades, "hack" your Ikea table to create three distinct looks, and so much more.
Your easy guide to planning a backyard makeover. This book giv es you information on a range of issues including: planning and designing your backyard makeover working out the value a m akeover will add clarifying your needs and wants cater ing for both present and future needs doing it yourself or call ing in the professionals costs, and how you can reduce them sourcing materials and plants on a budget
Financial transformation in just one hour a week! You can revolutionize your finances in only sixty minutes! Looking for long-term economic stability and not common quick-fix schemes? Discover the secrets that Ellie Kay used to deliver her family from $40,000 in consumer debt. Now a nationally recognized financial expert and best-selling author, Ellie shares her one-hour-a-week program that has made it possible to take care of her family and do it all debt-free! With entertaining anecdotes, easy-to-follow charts, and practical advice, The 60-Minute Money Workout is both fun and feasible. You’ll be able to: br” Get out of debt and save for your kids’ collegebr” Have meaningful and debt-free vacationsbr” Pay cash for your carsbr” Make a difference in the world by giving generouslybr” Find financial peace with your spouse
Explore different perspectives and approaches to create more effective visualizations #MakeoverMonday offers inspiration and a giant dose of perspective for those who communicate data. Originally a small project in the data visualization community, #MakeoverMonday features a weekly chart or graph and a dataset that community members reimagine in order to make it more effective. The results have been astounding; hundreds of people have contributed thousands of makeovers, perfectly illustrating the highly variable nature of data visualization. Different takes on the same data showed a wide variation of theme, focus, content, and design, with side-by-side comparisons throwing more- and less-effective techniques into sharp relief. This book is an extension of that project, featuring a variety of makeovers that showcase various approaches to data communication and a focus on the analytical, design and storytelling skills that have been developed through #MakeoverMonday. Paging through the makeovers ignites immediate inspiration for your own work, provides insight into different perspectives, and highlights the techniques that truly make an impact. Explore the many approaches to visual data communication Think beyond the data and consider audience, stakeholders, and message Design your graphs to be intuitive and more communicative Assess the impact of layout, color, font, chart type, and other design choices Creating visual representation of complex datasets is tricky. There’s the mandate to include all relevant data in a clean, readable format that best illustrates what the data is saying—but there is also the designer’s impetus to showcase a command of the complexity and create multidimensional visualizations that “look cool.” #MakeoverMonday shows you the many ways to walk the line between simple reporting and design artistry to create exactly the visualization the situation requires.