Download or read book America s Cheapest Family Gets You Right on the Money written by Steve Economides and published by Crown Currency. This book was released on 2007-01-23 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you have too much month at the end of your money? Is your credit card screaming for relief? Are you tired of robbing Peter to pay Paul . . . whoever they are? Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America’s Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too. Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you’re having your own private coaching session. Not only will you find solutions to your financial dilemmas, you’ll also discover a whole new way of life. You don’t need to be a CPA or a math wizard to learn their revolutionary system, which will teach you: - hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care - how to save in advance for major purchases such as homes, cars, and vacations - how to stop living paycheck to paycheck - how to eliminate debt . . . forever! America’s Cheapest Family Gets You Right on the Money puts meeting your financial goals- and living well at the same time- in reach for every family.
Download or read book America s Cheapest Family Budget System written by Steve Economides and published by . This book was released on 2014-01-01 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt: Steve & Annette Economides are NY Times Best Selling authors, speakers and personal finance experts. On a less than average income they've been able to live the American Dream in a very un-American wayThe America's Cheapest Family Budget system is designed for families who want to live out their financial aspirations rather than dream of them. Are You:- Tired of living paycheck-to-paycheck?- Discouraged by massive medical bills?- Experiencing a drop in household income?- Concerned about how you'll survive a layoff?- Wondering how you'll pay for your child's college education?- Struggling to pay-off your own student loans?- Overwhelmed by piles of debt, causing you sleepless nights?Would you like to:- Have $5000 in your bank account at all times- Take wonderful vacations with money you've already saved?- Buy cars with cash?- Eliminate all of your debts?- Know that all of your monthly bills are covered?- Have money set aside for emergency car repairs?- Have reserves for annual expenses like: back to school, birthdays and holidays?This budget system is completely personalized to you and your financial priorities. Steve & Annette walk you step-by-step through creating and managing an effective household budget. This budget system doesn't require any special financial skills or degrees, just a willing heart to learn and a few hours each month to reconcile.Join the debt-free revolution; transform your household finances and reach goals you never dreamed possible!
Download or read book The MoneySmart Family System written by Steve Economides and published by Harper Collins. This book was released on 2012 with total page 274 pages. Available in PDF, EPUB and Kindle. Book excerpt: The system will show you how to teach your children to manage money and have a good attitude while they're learning to earn, budget, and spend wisely.
Download or read book Cut Your Grocery Bill in Half with America s Cheapest Family written by Steve Economides and published by HarperChristian + ORM. This book was released on 2010-09-27 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: You Can Save Thousands a Year on Your Grocery Bill Without Cutting Coupons Imagine grocery shopping once-a-week or less, eating healthier, and having more free time—all while saving money. Sound too good to be true? For the Economides family, it’s a reality, and it can be yours too. What could the average family do with an extra $3,000 a year? America’s Cheapest Family® shows you strategies, tips, tools, and tricks in Cut Your Grocery Bill in Half, so you can achieve huge savings year after year. It’s a fact, the Economides say, saving money on groceries is one of the quickest ways to start making a positive difference in your family’s financial future. And these tips and strategies can work whether you’re shopping for seven or for one. Spend less time shopping and cooking Get more bang for your grocery buck Plan meals for picky eaters and busy schedules Discover kitchen tools that streamline meal preparations Learn many ways to eat out or eat in and save big Turn your freezer into a money-making machine Endorsements: "Many people think that it's impossible to reduce your grocery bill by 50%. But you can. Steve and Annette Economides provide step-by-step instructions in "Cut Your Grocery Bill in Half." Tools that are practical and easy to follow. No special shopping or cooking skills required. Anyone can see a surprising reduction in their grocery budget if they follow the Economides' methods. And, best of all, the savings begin right away. You don't need to finish the whole book to benefit. You'll find money-saving ideas that you can put to use in the first chapter, and every chapter thereafter. Normally I advise people to check books out of the library and save the cost of the book. But this is one do-it-yourself guide to lower grocery bills that you'll want to have on your bookshelf or kitchen countertop." Gary Foreman, Publisher, The DollarStretcher.com “If you are eager to save on groceries, but don't always have the time to clip coupons, this book is for you! It’s perfect if you're interested in more ways to cut costs, reduce waste, and get organized. This is an awesome book for the novice or the skilled cook.” Tawra Kellam and Jill Cooper—editors of LivingOnADime.com and authors of “Dining On A Dime Cookbook” “I've known Steve and Annette for several years and they definitely live what they believe. If you're serious about spending less money at the grocery store, this book offers some practical ways to achieve your goal. When it comes to stretching your dollar, I know of no one with more experience than Steve and Annette.” JJ Heller—Singer/Songwriter
Download or read book Be CentsAble written by Chrissy Pate and published by Penguin. This book was released on 2010-03-30 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: As seen on Good Morning America and successfully adopted by thousands of subscribers, this easy-to-use system will help slash any household budget Now more than ever, people are desperate to save money without scrimping on every little purchase or sacrificing their lifestyle. Like most Americans, stay-at-home moms Chrissy Pate and Kristin McKee spent the lion's share of their budgets on what they assumed to be static costs such as groceries and utilities. But when using traditional couponing and cheapskate guides didn't help their budgets shrink by a dime, Pate and McKee decided to come up with their own way to save. Within a few months, their household expenses dropped by more than half-from spending $800 each per month to less than $350! only a few years after developing their "be centsable" system, Pate and McKee have helped thousands of subscribers save money without spending hours finding and cutting coupons, or giving up "extras" like travel and entertainment. In this prescriptive guide, these authors show how anyone can save thousands of dollars on cleaning supplies, pet care, toys, travel, and most importantly, groceries-without giving up healthy foods, favorite products, or the occasional splurge.
Download or read book Be Thrifty written by Pia Catton and published by Workman Publishing. This book was released on 2009-12-01 with total page 402 pages. Available in PDF, EPUB and Kindle. Book excerpt: Encourages thrift behaviors including planting a garden, cooking at home, cutting one's own hair, exercising with a gym membership, and avoiding or repaying credit card debt.
Download or read book Making Medicines Affordable written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-03-01 with total page 235 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thanks to remarkable advances in modern health care attributable to science, engineering, and medicine, it is now possible to cure or manage illnesses that were long deemed untreatable. At the same time, however, the United States is facing the vexing challenge of a seemingly uncontrolled rise in the cost of health care. Total medical expenditures are rapidly approaching 20 percent of the gross domestic product and are crowding out other priorities of national importance. The use of increasingly expensive prescription drugs is a significant part of this problem, making the cost of biopharmaceuticals a serious national concern with broad political implications. Especially with the highly visible and very large price increases for prescription drugs that have occurred in recent years, finding a way to make prescription medicinesâ€"and health care at largeâ€"more affordable for everyone has become a socioeconomic imperative. Affordability is a complex function of factors, including not just the prices of the drugs themselves, but also the details of an individual's insurance coverage and the number of medical conditions that an individual or family confronts. Therefore, any solution to the affordability issue will require considering all of these factors together. The current high and increasing costs of prescription drugsâ€"coupled with the broader trends in overall health care costsâ€"is unsustainable to society as a whole. Making Medicines Affordable examines patient access to affordable and effective therapies, with emphasis on drug pricing, inflation in the cost of drugs, and insurance design. This report explores structural and policy factors influencing drug pricing, drug access programs, the emerging role of comparative effectiveness assessments in payment policies, changing finances of medical practice with regard to drug costs and reimbursement, and measures to prevent drug shortages and foster continued innovation in drug development. It makes recommendations for policy actions that could address drug price trends, improve patient access to affordable and effective treatments, and encourage innovations that address significant needs in health care.
Download or read book Little House Living written by Merissa A. Alink and published by Gallery Books. This book was released on 2021-02-23 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: The immensely popular blogger behind Little House Living provides a timeless and “heartwarming guide to modern homesteading” (BookPage) that will inspire you to live your life simply and frugally—perfect for fans of The Pioneer Woman and The Hands-On Home. Shortly after getting married, Merissa Alink and her husband found themselves with nothing in their pantry but a package of spaghetti and some breadcrumbs. Their life had seemingly hit rock bottom, and it was only after a touching act of charity that they were able to get back on their feet again. Inspired by this gesture of kindness as well as the beloved Little House on the Prairie books, Merissa was determined to live an entirely made-from-scratch life, and as a result, she rescued her household budget—saving thousands of dollars a year. Now, she reveals the powerful and moving lessons she’s learned after years of homesteading, homemaking, and cooking from scratch. Filled with charm, practical advice, and gorgeous full-color photographs, Merissa shares everything from tips on budgeting to natural, easy-to-make recipes for taco seasoning mix, sunscreen, lemon poppy hand scrub, furniture polish, and much more. Inviting and charming, Little House Living is the epitome of heartland warmth and prairie inspiration.
Download or read book Strong Towns written by Charles L. Marohn, Jr. and published by John Wiley & Sons. This book was released on 2019-10-01 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A new way forward for sustainable quality of life in cities of all sizes Strong Towns: A Bottom-Up Revolution to Build American Prosperity is a book of forward-thinking ideas that breaks with modern wisdom to present a new vision of urban development in the United States. Presenting the foundational ideas of the Strong Towns movement he co-founded, Charles Marohn explains why cities of all sizes continue to struggle to meet their basic needs, and reveals the new paradigm that can solve this longstanding problem. Inside, you’ll learn why inducing growth and development has been the conventional response to urban financial struggles—and why it just doesn’t work. New development and high-risk investing don’t generate enough wealth to support itself, and cities continue to struggle. Read this book to find out how cities large and small can focus on bottom-up investments to minimize risk and maximize their ability to strengthen the community financially and improve citizens’ quality of life. Develop in-depth knowledge of the underlying logic behind the “traditional” search for never-ending urban growth Learn practical solutions for ameliorating financial struggles through low-risk investment and a grassroots focus Gain insights and tools that can stop the vicious cycle of budget shortfalls and unexpected downturns Become a part of the Strong Towns revolution by shifting the focus away from top-down growth toward rebuilding American prosperity Strong Towns acknowledges that there is a problem with the American approach to growth and shows community leaders a new way forward. The Strong Towns response is a revolution in how we assemble the places we live.
Download or read book The Money Saving Mom s Budget written by Crystal Paine and published by Simon and Schuster. This book was released on 2012-01-10 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: From one of Nielsen’s top 50 power moms comes advice you can take to the bank—literally! Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels. With hundreds of inspiring “why didn’t I think of that?” tips, plus worksheets, Paine breaks down your goals into easy, manageable steps so you can: • Achieve a complete financial makeover • Set up a realistic budget • Never pay retail • Slash your grocery bill • Organize your time and your home • Use coupons wisely • Pay with cash only • Live simply • Become debt free • Choose contentment • Make every dollar count
Download or read book The Coupon Mom s Guide to Cutting Your Grocery Bills in Half written by Stephanie Nelson and published by Penguin. This book was released on 2009-12-29 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: A book that pays for itself! The creator of couponmom.com, with 1.6 million subscribers and counting, shares her strategic money-saving techniques for saving big while living well Americans are hungry for bargains these days, but one woman has developed the ultimate strategy for enjoying a feast of savings. Taking the nation by storm, with appearances ranging from The Oprah Winfrey Show Stephanie Nelson has shown countless women and men how to save thousands of dollars by becoming savvy coupon clippers-without sacrificing nutrition or quality. Now, in The Coupon Mom's Guide to Cutting Your Grocery Bills in Half, Nelson demonstrates all of the tricks of the trade-beyond coupons and tailor-made for a variety of shopper lifestyles. Whether you're a "busy" shopper and have only a small amount of time each week to devote to finding the best deal; a "rookie" shopper who is ready to put more effort into cutting bills; or a seasoned "varsity" shopper who is looking for new ways to get the deepest discounts possible, this book offers techniques thatw ill make it easy to save money at any level and on any timetable. Extending her Strategic Shopping protocols to mass merchandisers, wholesale clubs, natural-food stores, drugstores, and other retailers, Nelson proves that value and variety can go hand in hand. With meal- planning tips, recipes, and cost-comparison guides, as well as inspiring real-life stories from the phenomenal Coupon Mom movement, this is a priceless guide to turning the checkout lane into a road of riches. Watch a Video
Download or read book Guidelines for Public Expenditure Management written by Mr.Jack Diamond and published by International Monetary Fund. This book was released on 1999-07-01 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: Traditionally, economics training in public finances has focused more on tax than public expenditure issues, and within expenditure, more on policy considerations than the more mundane matters of public expenditure management. For many years, the IMF's Public Expenditure Management Division has answered specific questions raised by fiscal economists on such missions. Based on this experience, these guidelines arose from the need to provide a general overview of the principles and practices observed in three key aspects of public expenditure management: budget preparation, budget execution, and cash planning. For each aspect of public expenditure management, the guidelines identify separately the differing practices in four groups of countries - the francophone systems, the Commonwealth systems, Latin America, and those in the transition economies. Edited by Barry H. Potter and Jack Diamond, this publication is intended for a general fiscal, or a general budget, advisor interested in the macroeconomic dimension of public expenditure management.
Download or read book Deluxe Executive Envelope System written by Dave Ramsey and published by Dave Ramsey's Financial Peace. This book was released on 2008-02 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This simple way to manage your household income and expenses includes a stylish cover, coin purse, places for your checkbook and check register, memo pad, debit card holders, and extra cash-management envelopes.
Download or read book Free Lunch written by David Cay Johnston and published by Penguin. This book was released on 2007-12-27 with total page 342 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling author of Perfectly Legal returns with a powerful new exposé How does a strong and growing economy lend itself to job uncertainty, debt, bankruptcy, and economic fear for a vast number of Americans? Free Lunch provides answers to this great economic mystery of our time, revealing how today's government policies and spending reach deep into the wallets of the many for the benefit of the wealthy few. Johnston cuts through the official version of events and shows how, under the guise of deregulation, a whole new set of regulations quietly went into effect-- regulations that thwart competition, depress wages, and reward misconduct. From how George W. Bush got rich off a tax increase to a $100 million taxpayer gift to Warren Buffett, Johnston puts a face on all of the dirty little tricks that business and government pull. A lot of people appear to be getting free lunches, but of course there's no such thing as a free lunch, and someone (you, the taxpayer) is picking up the bill. Johnston's many revelations include: How we ended up with the most expensive yet inefficient health-care system in the world How homeowners title insurance became a costly, deceitful, yet almost invisible oligopoly How our government gives hidden subsidies for posh golf courses How Paris Hilton's grandfather schemed to retake the family fortune from a charity for poor children How the Yankees and Mets owners will collect more than $1.3 billion in public funds In these instances and many more, Free Lunch shows how the lobbyists and lawyers representing the most powerful 0.1 percent of Americans manipulated our government at the expense of the other 99.9 percent. With his extraordinary reporting, vivid stories, and sharp analysis, Johnston reveals the forces that shape our everyday economic lives and shows us how we can finally make things better.
Download or read book My Money My Way written by Kumiko Love and published by Penguin. This book was released on 2022-02-01 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.
Download or read book School Family and Community Partnerships written by Joyce L. Epstein and published by Corwin Press. This book was released on 2018-07-19 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt: Strengthen programs of family and community engagement to promote equity and increase student success! When schools, families, and communities collaborate and share responsibility for students′ education, more students succeed in school. Based on 30 years of research and fieldwork, the fourth edition of the bestseller School, Family, and Community Partnerships: Your Handbook for Action, presents tools and guidelines to help develop more effective and more equitable programs of family and community engagement. Written by a team of well-known experts, it provides a theory and framework of six types of involvement for action; up-to-date research on school, family, and community collaboration; and new materials for professional development and on-going technical assistance. Readers also will find: Examples of best practices on the six types of involvement from preschools, and elementary, middle, and high schools Checklists, templates, and evaluations to plan goal-linked partnership programs and assess progress CD-ROM with slides and notes for two presentations: A new awareness session to orient colleagues on the major components of a research-based partnership program, and a full One-Day Team Training Workshop to prepare school teams to develop their partnership programs. As a foundational text, this handbook demonstrates a proven approach to implement and sustain inclusive, goal-linked programs of partnership. It shows how a good partnership program is an essential component of good school organization and school improvement for student success. This book will help every district and all schools strengthen and continually improve their programs of family and community engagement.
Download or read book Good and Cheap written by Leanne Brown and published by Workman Publishing. This book was released on 2015-07-14 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: By showing that kitchen skill, and not budget, is the key to great food, Good and Cheap will help you eat well—really well—on the strictest of budgets. Created for people who have to watch every dollar—but particularly those living on the U.S. food stamp allotment of $4.00 a day—Good and Cheap is a cookbook filled with delicious, healthful recipes backed by ideas that will make everyone who uses it a better cook. From Spicy Pulled Pork to Barley Risotto with Peas, and from Chorizo and White Bean Ragù to Vegetable Jambalaya, the more than 100 recipes maximize every ingredient and teach economical cooking methods. There are recipes for breakfasts, soups and salads, lunches, snacks, big batch meals—and even desserts, like crispy, gooey Caramelized Bananas. Plus there are tips on shopping smartly and the minimal equipment needed to cook successfully. And when you buy one, we give one! With every copy of Good and Cheap purchased, the publisher will donate a free copy to a person or family in need. Donated books will be distributed through food charities, nonprofits, and other organizations. You can feel proud that your purchase of this book supports the people who need it most, giving them the tools to make healthy and delicious food. An IACP Cookbook Awards Winner.
