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Want to save thousands without feeling like you’re cutting corners? Find the hidden dollars in your daily routines? Live happily on a smaller budget? With tips, tricks and ideas that range from long-term savings to instant cash in your pocket, 397 Ways to Save Money makes living within a budget easy—and even fun. Written by an average Canadian whose frugal ways have saved her thousands, this accessible guide offers saving savvy that you don’t need to be a financial planner to understand. By looking in every corner of every room in your house, from the kitchen to the closet, and by considering the needs of every member of your family, from your toddler to your dog, 397 Ways to Save Money will help you find thousands of dollars in savings without changing your lifestyle.
“Humorous and forthright...[Gaby] Dunn makes facing money issues seem not only palatable but possibly even fun....Dunn’s book delivers.” —Publishers Weekly The beloved writer-comedian expands on his popular podcast with an engaging and empowering financial literacy book for Millennials and Gen Z. In the first episode of his Bad With Money podcast, Gaby Dunn asked patrons at a coffee shop two questions: First, what’s your favorite sex position? Everyone was game to answer, even the barista. Then, she asked how much money was in their bank accounts. People were aghast. “That’s a very personal question,” they insisted. And therein lies the problem. Dunn argues that our inability to speak honestly about money is our #1 barrier to understanding it, leading us to feel alone, ashamed, and anxious, which in turns makes us feel even more overwhelmed by it. In Bad With Money, he reveals the legitimate, systemic reasons behind our feeling of helplessness when it comes to personal finance, demystifying the many signposts on the road to getting our financial sh*t together, like how to choose an insurance plan or buy a car, sign up for a credit card or take out student loans. He speaks directly to her audience, offering advice on how to make that #freelancelyfe work for you, navigate money while you date, and budget without becoming a Nobel-winning economist overnight. Even a topic as notoriously dry as money becomes hilarious and engaging in the hands of Dunn, who weaves his own stories with the perspectives of various comedians, artists, students, and more, arguing that—even without selling our bodies to science or suffering the indignity of snobby thrift shop buyers—we can all start taking control of our financial futures.
Use cold water for most clothes washing and save up to $63 a year. Minimize your carload and reduce your gas mileage by as much as 5 percent. Invest in a deep freezer and fill it up with meat discounted at 30 percent or more. Take a look at your life and you'll realize that there's almost always a way to make do on less. This book offers up a bevy of ways to cut down on costs and still enjoy a satisfying lifestyle in any situation. From practicing good gas conservation habits to learning to love leftovers, this book will help every aspiring penny pincher stop the unnecessary spending and find the fun in frugality!
Everything for the person moving out for the first time including laundry hints, living on a budget, proper eating habits, buying groceries, etc.
HOW DOES MONEY HELP IN CREATING A HAPPY LIFE? In The Geometry of Wealth, behavioral finance expert Brian Portnoy delivers an inspired answer based on the idea that wealth, truly defined, is funded contentment. It is the ability to underwrite a meaningful life. This stands in stark contrast to angling to become rich, which is usually an unsatisfying treadmill. At the heart of this groundbreaking perspective, Portnoy takes readers on a journey toward wealth, informed by disciplines ranging from ancient history to modern neuroscience. He contends that tackling the big questions about a joyful life and tending to financial decisions are complementary, not separate, tasks. These big questions include: • How is the human brain wired for two distinct experiences of happiness? And why can money “buy” one but not the other? • Why is being market savvy among the least important aspects of creating wealth but self-awareness among the most? • Can we strike a balance between pushing for more and being content with enough? This journey memorably contours along three basic shapes: A circle, triangle, and square help us visualize how we adapt to evolving circumstances, set clear priorities, and find empowerment in simplicity. In this accessible and entertaining book, Portnoy reveals that true wealth is achievable for many—including those who despair it is out of reach—but only in the context of a life in which purpose and practice are thoughtfully calibrated.
Tired of living paycheck to paycheck? Drowning in debt? Wondering how to save money without sacrificing the things that make life enjoyable? It is possible, and frugalist and personal finance teacher Annie Margarita Yang shows you how in this practical and matter-of-fact guide to money management. Offering a different perspective on saving—one based on first determining your priorities and then aligning your spending accordingly—1001 Ways to Save Money makes putting more money in your pocket (and savings account) easy and painless. From the “Ten Commandments of Saving Money” to the twenty-six principles of basic money management to 1001 easy-to-implement ideas to cut costs, 1001 Ways to Save Money provides the ultimate guide to help you spend less and enjoy life more. The comprehensive list of tips—which range from simple and practical to creative and resourceful—cover ways to save in every aspect of life, including: *Housing and utilities *Transportation *Education *Travel *Entertainment *Clothing *Healthcare *and much more! End the consumerism that’s making you miserable once and for all with this must-have collection of quick, useful tips and tactics for saving money so you can fund the life you really want.
Sean Cooper made headlines around the world when he paid off his mortgage at 30 on a house he bought just three years prior. In Burn Your Mortgage, Cooper-an acclaimed personal finance expert-clearly lays out his secret to success: simple yet effective lifestyle changes that anyone can make to pay down their mortgage sooner.
Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.
Written by entrepreneurial phenomenon Emily Williams, I Heart My Life is a guidebook for women to change their money mindset, get clarity on what they want and start living the life of their dreams. I Heart My Life is a guide for living life in a different way to everyone else--going for your desires and no longer letting doubt, shame, insecurity or other people's judgment stop you from moving forward with that "something big" you know you're meant for. It brings together mindset, money beliefs, success principles, vulnerability, and real-life stories of women who have made their career and life dreams come true. Emily Williams once couldn't even get a job at Starbucks. Yet she went on to move to a new country, clear $30k in credit card debt and build a seven-figure coaching business from scratch. Having worked for years with thousands of women around the world to release what holds them back from the success they want, Emily is now sharing all her most powerful tools to help women radically transform their lives. In this book, you'll discover how to: cultivate a success mindset and trust the intelligence within your heart become clear about what you really want--then, go after it embrace gratitude as a driver for your ambition and success get big results and handle things when they don't go as planned be consistent, persistent and confident on the path towards your dreams Whether you're dreaming of starting your own business, getting ahead in your career, or just experience more joy, adventure and fulfilment in your life, I Heart My Life will catapult you toward your greatest desires.