Download or read book More Than 500 Proven Ways to Reduce Expenses written by Larry A. Maxwell and published by CreateSpace. This book was released on 2014-08-15 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: Would you like to have more money in your pocket or in your bank account, right now? If your answer to that question is yes, then this is the right book for you. Inside this book, you will find more than 500 proven practical ways to help you reduce expenses and save money. If you apply only one simple money saving tip in this book and start to save $2 a day, at the end of the week, you will have an extra $14. That may not seem like much but if you do that for 52 weeks, you will save $728 in one year. What would you do if you had an extra $728 right now? Now, imagine if you applied a few more methods in this book. You could multiply your savings. Imagine saving $20, $50, $100 or even more, every week. That would add up to significant savings very quickly. I am thankful for advice from two special Larrys. One of my teachers, Larry Burkett, provided me with some solid teaching I use in my, Gaining Personal Financial Freedom, seminar. One purpose of that seminar is to help people discover practical principles of finances so they can experience financial freedom. Another mentor of mine, Larry Coy, challenged me to put my materials in print. Because of their advice, my first book, Gaining Personal Financial Freedom, was published some 22 years ago. In my seminar, and in that book, one thing I do is show people a practical way to put together a workable budget so they can accomplish their financial goals. As they work on their budget, many people see they need to increase their income or reduce expenses. In many cases, there is little opportunity to increase income so the only option is reduce expenses. That led me to compile money saving ideas my family and I learned in a book entitled, 112 Proven Ways to Reduce Expenses. That book sold out quickly. Recently, I was on my way to speak at a conference. I knew the trip would take about seven hours and I like to work on projects during those long trips. I decided to make a list of some money saving ideas, to see if they would make a significant addition for a possible revision of 112 Proven Ways to Reduce Expenses. By the time my trip was completed I was surprised to find that list included 250 items. I knew I needed to write this book. That list grew to More than 500 Proven Ways to Reduce Expenses and save money. The majority of the items in this book can reduce expenses and save money for most people immediately. There are some items, which take a little more time and effort before you see the benefits. A few require some expenditure of funds, but the return is often well worth it. Some will only work for people in certain situations, but perhaps one day you, or someone you know, will be in that situation and you will be prepared. Most of these money saving ideas are timeless but some are not. As times change, and especially as technology changes, some of these ideas will no longer work. This book is not the kind you just sit down and read through. The first section includes some warnings and foundational principles, which will help you save money. The last section deals with some timeless principles. The rest of the book is full of money saving tips listed by categories. You may want to jump ahead and look at the categories, which interest you the most or you may want to look in the Index for specific items. I include some personal examples and some good old common sense advice. I trust you will appreciate those. This book would be a great gift for many of people because it contains a lot of helpful information many people would love to know. This is especially a good gift for a graduate, for newlyweds or as a helpful house-warming gift. If you are in a difficult financial situation, do not allow your situation to discourage you. Dig into this book and determine to find the sun behind the clouds. Whatever you do, make sure you live life to the fullest and have fun applying these principles as you get on the path to financial freedom.
Download or read book Money Saving Emergency Plan written by Dave Ramson and published by . This book was released on 2012-10-02 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Money management for real people. Money Saving Emergency Plan offers a no-nonsense, No B.S. approach to budgeting and personal finance. In this book, the average person will discover ways to cut expenses and save money each and every month. Noted speaker and author Dave Ramson steps outside of "theory" and "conjecture" to offer over 500 money saving tips, tricks and strategies that real people can actually incorporate into their daily lives. These are smart budgeting and money saving tactics that actually work, whether you need to cut over a thousand dollars, or maybe just fifty or one hundred dollars, per month from your monthly budget.Dave Ramson understands that times are tough, money is tight and smart money management is essential to thriving in today's economy. The entire world is in some stage of recession, and the simple truth is that it's not going to magically end anytime soon. He understands that many of us are finding it necessary to reduce expenses in order to pay our bills and make "ends meet." Some household budget cuts are easy; others require difficult decisions that mean giving up certain lifestyle choices of which we have become accustomed. Either way, now more than ever, we all need to find new ways to save money.For some of us, a total money makeover may be required; while others simply need to improve their budgeting and money management skills. There is no shame in needing to cut expenses or to implement a little better financial planning for your family. The circumstances of the global economy have hurt nearly every pocketbook and bank account worldwide. There is plenty of blame to go around - from the bankers to the politicians to our own personal lack of self-control - but worrying about who to blame does not put food on the table or pay the bills. The real story, now, is how to survive and thrive in this new reality. This book is really for two categories of people: those who find themselves with a need to create a money plan to cut expenses quickly and drastically; and those who need a few good, sound ideas to save money each month before they find themselves in the first category. This book is NOT for those who are looking for a "magic pill;" or for those who are unwilling to make an effort to change their financial situation. Dave Ramson gives it to you straight - so be ready for a real, no B.S. look at household money management, budgeting and personal finance.Some of the strategies in this book will sound familiar; others will be eye-opening. With over 500 real-world tips and money saving strategies, any reader will surely find plenty of proven ways to learn how to save money, reduce bills and cut monthly expenses. The end result will boost their financial health and reduce their personal stress.
Download or read book Best Care at Lower Cost written by Institute of Medicine and published by National Academies Press. This book was released on 2013-05-10 with total page 437 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's health care system has become too complex and costly to continue business as usual. Best Care at Lower Cost explains that inefficiencies, an overwhelming amount of data, and other economic and quality barriers hinder progress in improving health and threaten the nation's economic stability and global competitiveness. According to this report, the knowledge and tools exist to put the health system on the right course to achieve continuous improvement and better quality care at a lower cost. The costs of the system's current inefficiency underscore the urgent need for a systemwide transformation. About 30 percent of health spending in 2009-roughly $750 billion-was wasted on unnecessary services, excessive administrative costs, fraud, and other problems. Moreover, inefficiencies cause needless suffering. By one estimate, roughly 75,000 deaths might have been averted in 2005 if every state had delivered care at the quality level of the best performing state. This report states that the way health care providers currently train, practice, and learn new information cannot keep pace with the flood of research discoveries and technological advances. About 75 million Americans have more than one chronic condition, requiring coordination among multiple specialists and therapies, which can increase the potential for miscommunication, misdiagnosis, potentially conflicting interventions, and dangerous drug interactions. Best Care at Lower Cost emphasizes that a better use of data is a critical element of a continuously improving health system, such as mobile technologies and electronic health records that offer significant potential to capture and share health data better. In order for this to occur, the National Coordinator for Health Information Technology, IT developers, and standard-setting organizations should ensure that these systems are robust and interoperable. Clinicians and care organizations should fully adopt these technologies, and patients should be encouraged to use tools, such as personal health information portals, to actively engage in their care. This book is a call to action that will guide health care providers; administrators; caregivers; policy makers; health professionals; federal, state, and local government agencies; private and public health organizations; and educational institutions.
Download or read book The No Spend Year written by Michelle McGagh and published by Coronet. This book was released on 2018-01-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Workweek Lunch Cookbook written by Talia Koren and published by Page Street Publishing. This book was released on 2022-03-29 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: 50+ Tasty Solutions to the Eternal Workday Dilemma: “What Should I Have for Lunch?” Tackling your midday cravings has never been easier, thanks to Talia Koren’s debut cookbook. The founder of the meal plan subscription service and blog Workweek Lunch shares her secret tricks for saving time, money and stress by meal-prepping lunches you can’t wait to eat. Skip waiting in line for expensive takeout and make one of Talia’s dozens of mouthwatering, easy-to-pack recipes instead. Each recipe is designed to be cooked in bulk, so you can get all of your cooking for the week done in just one afternoon. With your meals ready to grab and go, you’ll love sleeping in a little longer before your morning commute. There are tons of tasty dishes to whip up, like a hearty Italian Turkey Meatball Orzo Bowl or some cheesy Kimchi Mushroom Quesadillas. No microwave at work? No problem! Talia’s got you covered with options like Turmeric Chickpea Avocado Sandwiches and Chicken Banh Mi–Inspired Wraps. Busy week? Try one of her satisfying low-maintenance meals, like the Chorizo Sweet Potato Black Bean Skillet, or plan ahead with a freezer stash option like Veggie Chili Mac ’N’ Cheese, which is specifically designed for you to make then reheat on hectic days. Talia also shares smart storage and reheating tips, as well as innovative ways to remix your meal preps throughout the week, guaranteeing that your lunches stay fresh and never boring. Whether you’re trying to save cash, free up some extra time or are just seeking exciting new meals to brighten up your midday routine, level up your workweek with these lunches!
Download or read book Budgeting 101 written by Michele Cagan and published by Simon and Schuster. This book was released on 2018-11-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Cagan makes the case that a budget isn’t a buzz killer. It’s financial salvation.” —The Washington Post Don’t break the bank—learn to create and stick to a budget with this comprehensive, easy-to-understand guide to saving money sensibly in this edition of the popular 101 series. Sometimes, it can seem like saving money is impossible. With everyday expenses, from groceries and gas, to the electric bill and lunch money, as well as those unexpected expenses, like car repairs and medical bills, getting—and keeping—control of your finances can feel overwhelming. With Budgeting 101, you can start saving now. This clear and simple guide provides tons of practical advice for keeping track of your finances. With useful tips on setting financial goals, reducing debt, finding ways to save money, and creating and following a budget plan, you’ll have your dollars and cents under control in no time. Why spend more of your hard-earned money on a financial advisor? Filled with expert advice on a wide range of the most common financial concerns and step-by-step instructions to managing your money both now and in the future, Budgeting 101 has you covered.
Download or read book Cut Costs Grow Stronger A Strategic Approach to What to Cut and What to Keep written by Paul Leinwand and published by Harvard Business Press. This book was released on 2009-07-15 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: For most companies, cost cutting in a down economy means across-the-board slashing that "spreads the pain" of budget reductions across many departments. While that may sound like the best approach for getting critical results fast and for limiting political infighting, it is a mistake-one that will leave your company weaker, not just smaller. Instead, companies that need to reduce costs should treat the challenge as an opportunity to identify and reinforce their key capabilities, while divesting from those activities that do not truly reflect the business's strengths or long-term goals. This more strategic approach will make your company more resilient as tough times continue and more robust as recovery begins. In Cut Costs, Grow Stronger, an e-book published as part of the Harvard Business Press Memo to the CEO series, Booz & Company's Shumeet Banerji, Paul Leinwand and Cesare Mainardi provide executives with the tools they need to rapidly implement capabilities-driven cost reduction. First they demonstrate how to identify and clearly articulate your company's key capabilities-not just core competencies or skill sets, but those very few strengths that, in combination, define how your organization competes. You can then use this information to create your company's unique blueprint for effective and efficient cost reduction. The authors' detailed, step-by-step framework walks you through the process, which can be completed in as little as two or three months-it's something that you can do now. This practical guide to capabilities-driven cost-cutting is the tool executives need to confront the challenge of today's economy while strengthening the foundation for what will set their company apart in the future.
Download or read book Budget options written by and published by . This book was released on 1977 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Cost Reduction and Control Best Practices written by Institute of Management and Administration (IOMA) and published by John Wiley & Sons. This book was released on 2012-07-03 with total page 461 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cost Reduction and Control Best Practices provides financial manages with no-nonsense, balanced, and practical strategies that are being targeted and used nationwide for controlling costs by thousands of companies in areas such as human resources, compensation, benefits, purchasing, outsourcing, use of consultants, taxes, and exports. These best practices are based on the trenches experience, research, proprietary databases, and consultants from the Institute of Management and Administration (IOMA) and other leading experts in their fields. * Provides best practices and techniques for controlling costs within a company * New chapters focus on outsourcing costs, downsizing, consultants' costs, and business tax costs * Provides the latest strategies companies re using to control costs
Download or read book All Your Worth written by Elizabeth Warren and published by Simon and Schuster. This book was released on 2006-01-09 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling mother/daughter coauthors of "The Two-Income Trap" now pen an essential guide to the five simple keys to lasting financial peace.
Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.
Download or read book Fit for Growth written by Vinay Couto and published by John Wiley & Sons. This book was released on 2017-01-10 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical approach to business transformation Fit for Growth* is a unique approach to business transformation that explicitly connects growth strategy with cost management and organization restructuring. Drawing on 70-plus years of strategy consulting experience and in-depth research, the experts at PwC’s Strategy& lay out a winning framework that helps CEOs and senior executives transform their organizations for sustainable, profitable growth. This approach gives structure to strategy while promoting lasting change. Examples from Strategy&’s hundreds of clients illustrate successful transformation on the ground, and illuminate how senior and middle managers are able to take ownership and even thrive during difficult periods of transition. Throughout the Fit for Growth process, the focus is on maintaining consistent high-value performance while enabling fundamental change. Strategy& has helped major clients around the globe achieve significant and sustained results with its research-backed approach to restructuring and cost reduction. This book provides practical guidance for leveraging that expertise to make the choices that allow companies to: Achieve growth while reducing costs Manage transformation and transition productively Create lasting competitive advantage Deliver reliable, high-value performance Sustainable success is founded on efficiency and high performance. Companies are always looking to do more with less, but their efforts often work against them in the long run. Total business transformation requires total buy-in, and it entails a series of decisions that must not be made lightly. The Fit for Growth approach provides a clear strategy and practical framework for growth-oriented change, with expert guidance on getting it right. *Fit for Growth is a registered service mark of PwC Strategy& Inc. in the United States
Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
Download or read book Energy Savers written by and published by . This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.
Download or read book The Forgotten Americans written by Isabel Sawhill and published by Yale University Press. This book was released on 2018-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: A sobering account of a disenfranchised American working class and important policy solutions to the nation's economic inequalities One of the country's leading scholars on economics and social policy, Isabel Sawhill addresses the enormous divisions in American society--economic, cultural, and political--and what might be done to bridge them. Widening inequality and the loss of jobs to trade and technology has left a significant portion of the American workforce disenfranchised and skeptical of governments and corporations alike. And yet both have a role to play in improving the country for all. Sawhill argues for a policy agenda based on mainstream values, such as family, education, and work. Although many have lost faith in government programs designed to help them, there are still trusted institutions on both the local and the federal level that can deliver better job opportunities and higher wages to those who have been left behind. At the same time, the private sector needs to reexamine how it trains and rewards employees. This book provides a clear-headed and middle-way path to a better-functioning society in which personal responsibility is honored and inclusive capitalism and more broadly shared growth are once more the norm.
Download or read book Gravel Roads written by Ken Skorseth and published by . This book was released on 2000 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this manual is to provide clear and helpful information for maintaining gravel roads. Very little technical help is available to small agencies that are responsible for managing these roads. Gravel road maintenance has traditionally been "more of an art than a science" and very few formal standards exist. This manual contains guidelines to help answer the questions that arise concerning gravel road maintenance such as: What is enough surface crown? What is too much? What causes corrugation? The information is as nontechnical as possible without sacrificing clear guidelines and instructions on how to do the job right.
