In this book you'll learn how to use No-Spend Challenges to reach your financial goals faster and transform your spending habits to finally be able to stick to a budget. Budgeting and money management are some of the hardest concepts for people to nail down. You can have all the knowledge available and suck at executing it. Jen Smith, creator of the debt freedom blog SavingWithSpunk.com went from not being able to stick to a budget longer than two weeks to paying off $78,000 of debt in less than two years. She shares her experiences and strategies using No-Spend Challenges to change her money mindset and budget like a (mostly) pro.In The No-Spend Challenge Guide you'll discover: - Why budgeting alone isn't working - The psychology behind your impulsive spending - How to pay off debt fast while still having fun - Ways to do for free what you've probably been wasting money on - Ways to save money on your financial obligations - How to make the most of your time without spending money - Discover what you valueYou'll also get a free resource guide with every recommendation in the book in one place.Whether you're paying off student loan debt, saving for your first home, or just trying to control your spending; This is a personal finance book you'll return to again and again. Scroll up and Buy Now to start mastering your budget!
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.
Leading psychologist and financial commentator Palaian offers a tested, step-by-step guide to help people break the spending obsession by looking within. Today, Americans are saving less, carrying larger debt loads, losing their homes to foreclosure, and filing bankruptcy in record numbers. Yet, people continue to spend more than they can afford. The advice of financial planners only treats the symptoms of overspending. In Spent, Sally Palaian offers proven plans for taking on a range of personal issues with money by examining those underlying emotional, familial, and societal factors that trigger spending behaviors. Spent teaches readers to control shopping, pay off debt, develop budgets, and become financially competent through: - easy-to-use assessment tools designed to pinpoint the severity of a problem - questionnaires that facilitate the exploration of the root causes of unhealthy financial behaviors - user-friendly exercises created to influence change from within Palaian's system for financial recovery is also designed to help hoarders, financial codependents, and underachievers attain lasting, positive change and a healthy view of one's true value in life. Palaian has spoken about financial disorders for various therapy associations and has served as an expert in the media on mental disorders and spending, most recently for MSN Money.
For the first time, financial guru and TODAY Show regular Jean Chatzky brings her expertise to a young audience. Chatzky provides her unique, savvy perspective on money with advice and insight on managing finances, even on a small scale. This book will reach kids before bad spending habits can get out of control. With answers and ideas from real kids, this grounded approach to spending and saving will be a welcome change for kids who are inundated by a consumer driven culture. This book talks about money through the ages, how money is actually made and spent, and the best ways for tweens to earn and save money.
The Year of Less In her late twenties, Cait Flanders found herself stuck in the consumerism cycle that grips so many of us: earn more, buy more, want more, rinse, repeat. Even after she worked her way out of nearly $30,000 of consumer debt, her old habits took hold again. When she realized that nothing she was doing or buying was making her happy—only keeping her from meeting her goals—she decided to set herself a challenge: she would not shop for an entire year.The Year of Less documents Cait’s life for twelve months during which she bought only consumables: groceries, toiletries, gas for her car. Along the way, she challenged herself to consume less of many other things besides shopping. She decluttered her apartment and got rid of 70 percent of her belongings; learned how to fix things rather than throw them away; researched the zero waste movement; and completed a television ban. At every stage, she learned that the less she consumed, the more fulfilled she felt.The challenge became a lifeline when, in the course of the year, Cait found herself in situations that turned her life upside down. In the face of hardship, she realized why she had always turned to shopping, alcohol, and food—and what it had cost her. Unable to reach for any of her usual vices, she changed habits she’d spent years perfecting and discovered what truly mattered to her.Blending Cait’s compelling story with inspiring insight and practical guidance, The Year of Less will leave you questioning what you’re holding on to in your own life—and, quite possibly, lead you to find your own path of less.
Take charge of your finances and achieve financial independence – the Clever Girl way Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side. Monitor your expenses, build a budget, and stick with it Make the most of a modest salary and still have money to spare Keep your credit in check and clean up credit card chaos Start and succeed at your side hustle Build a nest egg and invest in your future Transform your money mindset and be accountable for your financial well-being Feel the power of real-world stories from other “clever girls” Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.
Are you having a hard time paying your bills and saving your money?Do you want to get out of the Paycheck to Paycheck cycle and have more money left in your account at the end of each month?Do you want to learn how to manage your money better?Ready to finally take control your finances but don't know where to begin? Then this book is for you. Many Americans today struggle with saving money and addressing increasing debt. Now more than ever, it is important for people of all ages to understand the importance of frugality and how their actions today will affect their futures. In this book, you will be introduced to a wealth of tips, tricks, and strategies for better financial management, no matter your current age, financial situations, past, or future goals. In this simple personal budgeting book, you will learn how to make a realistic budget that actually works and you can stick to, to reach your financial goals faster and to take control of your finances. This book is different in that, instead of just throwing you some tips, you will begin at a starting point that many people try to skip. And that is, to assess Where you are Right now. The road to wealth is paved with goals, without financial goals, you have no direction, so it's easy to spend money on things you'll regret later. But if you're saving for a house, your son's college education, or a new car, your goal will keep you focused. Financial success is more about mastering the mental game of money than about understanding numbers. The math is simple: it's controlling your habits and emotions that's hard. In "How to Budget and Manage your Money", you'll discover: What budgeting is and its benefits to your financial success A step-by-step guide on how to make a realistic budget that actually works How to have better spending habits & learn personal budget planning How to budget for groceries and many ways to save money How to pay off Debt fast and manage your money better How to budget for retirement whether you've started saving in your 20s or have yet to start in middle age. And much, much more! You will also get a Free bonus gift of special PDF report, "The Best Side Hustles You can Do Anywhere at Any Time" to make extra money to help you grow your wealth. This is a financial planning book for beginners. You will learn how to make a budget that works for beginners. But it's for anyone who struggles with saving money and managing money. It is easy to understand and follow. As the saying goes, you get what you put into it, and your new life of stability and overall peace and happiness is waiting for you to get started. There is no magic wand to transport you to a land of milk and honey, but with a little effort, patience, and consistency, you can realize your goals on a timeline that works for you. Don't continue stressing over your finances as you work and work and feel like you're getting nowhere. That is a reality that too many people today are stuck in, but this doesn't have to be you. So... Scroll up to the top and hit that BUY BUTTON to kick debt to the curb, save for the future, and pursue your financial
How would you spend five million dollars in 30 days? A billionaire's wallet, a bizarre challenge, and an unlikely friendship send two kids on a wild adventure. From the author of The Miscalculations of Lightning Girl. Felix Rannells and Benji Porter were never supposed to be field-trip partners. Felix is a rule follower. Benji is a rule bender. They're not friends. And they don't have anything to talk about. Until . . . They find a wallet. A wallet that belongs to tech billionaire Laura Friendly. They're totally going to return it-but not before Benji "borrows" twenty dollars to buy hot dogs. Because twenty dollars is like a penny to a billionaire, right? But a penny has value. A penny doubled every day for thirty days is $5,368,709.12! So that's exactly how much money Laura Friendly challenges Felix and Benji to spend. They have thirty days. They can't tell anyone. And there are LOTS of other rules. But if they succeed, they each get ten million dollars to spend however they want. Challenge accepted! They rent cool cars, go to Disney World, buy pizza for the whole school-and that's just the beginning! But money can't buy everything or fix every problem. And spending it isn't always as easy and fun as they thought it would be. . . . As smart as it is entertaining, Millionaires for the Month is a thought-provoking story about friendship, privilege, and the value of a penny.
Whether you're living paycheck to paycheck or just trying to make smarter financial choices, let award-winning writer and Washington Post columnist Michelle Singletary show you the practical steps you need to take for the financial peace you long for. In The 21-Day Financial Fast, Michelle proposes a field-tested financial challenge: for twenty-one days, put away your credit cards and buy only the barest essentials. What happens next will forever change the way you think about wealth. With Michelle's guidance, you'll discover how to: Break bad spending habits Plot a course to become debt-free with the Debt Dash Plan Avoid the temptation of overspending for college Learn how to prepare elderly relatives and yourself for future long-term care expenses Be prepared for any contingency with a Life Happens Fund Stop worrying about money and find the priceless power of financial peace Join the thousands of others who have already discovered practical ways to achieve financial freedom and experience what it truly means to live a life of financial peace and prosperity.
Simple Minimalism for Your Family and Your Life “Both practical and inspirational, you’ll learn how to simplify and streamline your entire life.” Morgan Tyree, @morganizewithme A collection of minimalist quotes, daily wisdom, affirmations, and meditations that you as a busy mom can use to stay focused and inspired to live a minimalist lifestyle. Make minimalist living possible for your family. Parenting is hard enough already without trying to change the way you live in one fell swoop. Diane Boden, the host of the Minimalist Moms podcast, knows that what busy moms desire are quick, daily minimalist quotes that provide inspiration and a reminder of the positive impact of minimalism. Minimalist Moms is a book of on-the-go minimalist wisdom, that gradually teaches busy parents how to embrace the core principles of minimalism —simple living, focusing on what matters, and inner calm. Thrive by living with less. Minimalism is more of a way of life than a goal to be reached. We need little reminders to help keep perspective and focus on what’s important to us. Minimalist Moms helps you aspire toward minimalism and simplify your life and home. With daily meditations that take only a few minutes to read, this is the perfect, gentle guide to getting started. In this book find: Practical advice on how to live a minimalist lifestyle emotionally, physically, and mentally Mantras that cover a range of topics, from slowing down and getting outside to habit stacking and decluttering Accessible minimalism that is applicable to any lifestyle —and any busy mother You’ve read motivational books and minimalist books like When Less Becomes More, Make Space, or Cozy Minimalist Home? Then you’ll love Minimalist Moms.
