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 The No Spend Challenge Guide written by Jen Smith and published by . This book was released on 2017-11-08 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!
Download or read book The Year of Less written by Cait Flanders and published by Hay House, Inc. This book was released on 2019-01-15 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Year without a Purchase written by Scott Dannemiller and published by Presbyterian Publishing Corp. This book was released on 2015-08-04 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Year without a Purchase is the story of one family's quest to stop shopping and start connecting. Scott Dannemiller and his wife, Gabby, are former missionaries who served in Guatemala. Ten years removed from their vow of simple living, they found themselves on a never-ending treadmill of consumption where each purchase created a desire for more and never led to true satisfaction. The difference between needs and wants had grown very fuzzy, and making that distinction clear again would require drastic action: no nonessential purchases for a whole year. No clothes, no books, no new toys for the kids. If they couldn't eat it or use it up within a year (toilet paper and shampoo, for example), they wouldn't buy it. Filled with humorous wit, curious statistics, and poignant conclusions, the book examines modern America's spending habits and chronicles the highs and lows of dropping out of our consumer culture. As the family bypasses the checkout line to wrestle with the challenges of gift giving, child rearing, and keeping up with the Joneses, they discover important truths about human nature and the secret to finding true joy. The Year without a Purchase offers valuable food for thought for anyone who has ever wanted to reduce stress by shopping less and living more.
Download or read book Not Buying It written by Judith Levine and published by Simon and Schuster. This book was released on 2007-02-27 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: A journalist traces a year during which she and her partner struggled to stop consumer spending practices in spite of their American conditioning, an effort that had an impact on their careers, family relationships, and personal identities.
Download or read book Clever Girl Finance written by Bola Sokunbi and published by John Wiley & Sons. This book was released on 2019-06-25 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book Mindful Money written by Kel Galavan and published by Orpen Press. This book was released on 2021-02-04 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does thinking about money stress you out? Does the concept of ‘having it all’ seemed more like a taunt than an aspiration? Do you want to make your money work for you, rather than the other way around? Has the Covid lockdown forced you to reconsider how you live your life and awakened a desire to develop a better work–life balance? In 2018 Kel Galavan was living and working at breakneck speed, spending endless hours commuting, and felt like she saw more of her children asleep than awake. Realising this wasn’t the life she wanted for herself or her family, she quit her job, and with the family income reduced, embarked on a No-Spend Year in January 2019. Her journey through self-doubt and hard-won life lessons culminated in savings of over €27,000 and changed the life of her family for the better in ways she could never have imagined. Now she wants to bring these lessons to you as we adjust to the post-Covid world and hopefully an understanding of the importance of family and health above the consumer-driven rat-run of life in the twenty-first century. Mindful Money is about building good spending habits and a positive money mindset to build a fulfilling, happy life no matter what the income. Part personal story, part how-to guide, Mindful Money provides deep insight into the emotional journey of Kel’s own experience, along with a background on how money works, and details the seven habits of mindful spending so that anyone can build a life of their own design on their own terms. Mindful Money is more than a journey; it is a transformation in mindset that allows for more money, more freedom and more happiness in all our lives. Kel Galavan is a well-known blogger and Instagram influencer, known as Mrs Smart Money. She has appeared on RTE Radio One, 2FM, Today FM and Virgin Media One.
Download or read book Spent written by Sally Palaian and published by Simon and Schuster. This book was released on 2011-04-07 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 problemquestionnaires that facilitate the exploration of the root causes of unhealthy financial behaviorsuser-friendly exercise created to influence change from withinPalaian'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.Leading psychologist and financial commentator Sally Palaian offers a tested, step-by-step guide to help people break the spending obsession by looking within. She 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.
Download or read book Buy This Not That written by Sam Dogen and published by Penguin. This book was released on 2022-07-19 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: SPEND YOUR WAY TO FREEDOM LIKE A TRUE FINANCIAL SAMURAI Sam Dogen, creator of the Financial Samurai blog, knows that you need to spend money to make money. He’s taught over 90 million readers how to invest wisely in all facets of life, from education to parenting to relationships to side hustles, even choosing where to work and play. Now, in his Wall Street Journal bestseller, Buy This, Not That, the Financial Samurai takes the guesswork out of financial planning and shows you exactly what to buy, how much to spend, and how to optimize every dollar you earn so you can maximize wealth building and live life on your terms. The good news? You don’t need to be a millionaire or a genius to achieve financial freedom. It’s about making the most of your money, now and forever—and it’s never too late to get started. You’ll learn: — The Financial Samurai’s 70/30 framework for optimal financial decision-making — What is “good debt” and “bad debt,” and the right way to pay down debt or invest — Strategies and tips for building passive income streams that work for your goals and risk tolerance — How to invest in real estate, even if you can't afford to buy property — Rules for spending—from coffee and cars to mortgages and marriage — And so much more!
Download or read book 365 Ways to Live Cheap written by Trent Hamm and published by Simon and Schuster. This book was released on 2008-11-17 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!
Download or read book Happy Money written by Elizabeth Dunn and published by Simon and Schuster. This book was released on 2013-05-14 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. If you think money can’t buy happiness, you’re not spending it right. Two rising stars in behavioral science explain how money can buy happiness—if you follow five core principles of smarter spending. Happy Money offers a tour of new research on the science of spending. Most people recognize that they need professional advice on how to earn, save, and invest their money. When it comes to spending that money, most people just follow their intuitions. But scientific research shows that those intuitions are often wrong. Happy Money explains why you can get more happiness for your money by following five principles, from choosing experiences over stuff to spending money on others. And the five principles can be used not only by individuals but by companies seeking to create happier employees and provide “happier products” to their customers. Elizabeth Dunn and Michael Norton show how companies from Google to Pepsi to Crate & Barrel have put these ideas into action. Along the way, the authors describe new research that reveals that luxury cars often provide no more pleasure than economy models, that commercials can actually enhance the enjoyment of watching television, and that residents of many cities frequently miss out on inexpensive pleasures in their hometowns. By the end of this book, readers will ask themselves one simple question whenever they reach for their wallets: Am I getting the biggest happiness bang for my buck?
Download or read book The Moneyless Man written by Mark Boyle and published by Simon and Schuster. This book was released on 2010-06-01 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Imagine living for an entire year without money. Where do you live? What do you eat? How do you stay in touch with your friends and family? Former businessman Mark Boyle thought he’d give it a try. In a world of seasonal foods, solar panels, skill-swapping schemes, cuttlefish toothpaste, and compost toilets, Boyle puts the fun into frugality and offers some great tips for economical and environmentally friendly living. By following his own strict rules, he learns ingenious ways to eliminate his bills and flourish for free. Heart-warming, witty, and full of money-saving tips, The Moneyless Man will inspire you to ask what really matters in life.
Download or read book The No Club written by Linda Babcock and published by Simon and Schuster. This book was released on 2022-05-03 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this “long overdue manifesto on gender equality in the workplace, a practical playbook with tips you can put into action immediately…simply priceless” (Angela Duckworth, bestselling author of Grit), The No Club offers a timely solution to achieving equity at work: unburden women’s careers from work that goes unrewarded. The No Club started when four women, crushed by endless to-do lists, banded together to get their work lives under control. Running faster than ever, they still trailed behind male colleagues. And so, they vowed to say no to requests that pulled them away from the work that mattered most to their careers. This book reveals how their over-a-decade-long journey and subsequent groundbreaking research showing that women everywhere are unfairly burdened with “non-promotable work,” a tremendous problem we can—and must—solve. All organizations have work that no one wants to do: planning the office party, screening interns, attending to that time-consuming client, or simply helping others with their work. A woman, most often, takes on these tasks. In study after study, professors Linda Babcock (bestselling author of Women Don’t Ask), Brenda Peyser, Lise Vesterlund, and Laurie Weingart—the original “No Club”—document that women are disproportionately asked and expected to do this work. The imbalance leaves women overcommitted and underutilized as companies forfeit revenue, productivity, and top talent. The No Club walks you through how to change your workload, empowering women to make savvy decisions about the work they take on. The authors also illuminate how organizations can reassess how they assign and reward work to level the playing field. With hard data, personal anecdotes from women of all stripes, self- and workplace-assessments for immediate use, and innovative advice from the authors’ consulting Fortune 500 companies, this book will forever change the conversation about how we advance women’s careers and achieve equity in the 21st century.
Download or read book My Misspent Youth written by Meghan Daum and published by Macmillan. This book was released on 2015-11-03 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: This first collection from an acclaimed young essayist in the tradition of Joan Didion delves into the center of things while closely examining the detritus that spills out along the way. Daum speaks to questions at the root of the contemporary experience, from the search for authenticity and interpersonal connection in a society defined by consumerism and media to the disenchantment of working in a "glamour profession".
Download or read book We Were Liars written by E. Lockhart and published by Delacorte Press. This book was released on 2014-05-13 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: #1 NEW YORK TIMES BESTSELLER • A modern, sophisticated suspense novel from National Book Award finalist, and Printz Award honoree E. Lockhart. Don't miss the #1 New York Times bestselling prequel, Family of Liars. A beautiful and distinguished family. A private island. A brilliant, damaged girl; a passionate, political boy. A group of four friends—the Liars—whose friendship turns destructive. A revolution. An accident. A secret. Lies upon lies. True love. The truth. Read it. And if anyone asks you how it ends, just LIE. "Thrilling, beautiful, and blisteringly smart, We Were Liars is utterly unforgettable." —John Green, #1 New York Times bestselling author of The Fault in Our Stars
Download or read book How Not to Spend Your Senior Year written by Cameron Dokey and published by Simon and Schuster. This book was released on 2012-09-25 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rule #1: If at all possible, don’t pretend to be something you’re not. Specifically, don’t play dead. Trust me on this one. I did it, so I should know. Jo O’Connor has spent her whole life moving around. When it comes to new schools, there’s not a trick in the book about starting over that Jo doesn’t know. But life is about to teach her a new trick: how to disappear entirely. Rule #2: Always expect the Spanish Inquisition, no matter what anyone else does. They have to move again. Now. This very night. Jo knows better than to argue. Her dad is the key witness in a major case against a big-time bad guy. But Jo just can’t resist one last visit to the school where she’s been so happy. All she wants is to say good-bye. That can’t cause any problems, can it? Rule #3: Never assume you can predict the future. Now Jo’s one last visit has landed her smack in the middle of a ghost story. Specifically, her own. By the time it’s over, she’ll have a whole new set of rules about what’s real, what’s make-believe, and—most of all—what’s important.
Download or read book Shiny Objects written by James A. Roberts and published by Harper Collins. This book was released on 2011-11-15 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Shiny Objects, a cross between In Praise of Slowness and The Tipping Point, consumer behavior expert Professor James A. Roberts takes us on a tour of America's obsession with consumerism—pointing out its symptoms, diagnosing specific problems, and offering a series of groundbreaking solutions. Roberts gives practical advice for how to correct the materialistic trends in our lives which lock us into a cycle of financial hardship and stress. Shiny Objects, a new The Paradox of Choice for the modern reader, is more than a critique of capitalism—it's also an exploration into how we can live happier, fuller, more productive lives today.
