"Budget" brings to mind rationing, a kind of money diet. If you're like many people, budgeting is something you do with a kind of deflated spirit: budgeting means bargain bin quality and the sad sense that what you want is going to be just out of reach. This book will try a different approach to budgeting all together. It's a pity that the idea of living within one's means should be experienced as such a deficit - this book will try to show that when you apply the principles of minimalism to budgeting, you are neither in a state of self-denial or trying to survive a financial scrape. In fact, a minimalist budget is a particular approach to abundance and fulfillment that may seem counter-intuitive to most. This book will offer an expanded notion of what it means to budget. We'll look at how money is not the only resource that needs to be managed, and a "life budget" that acknowledges your emotional, behavioral, social and even spiritual capital is more likely to lead to smarter decisions. We'll explore shopping and spending habits, identify problem areas, think about debt and make achievable goals for home, work and more. We'll look at concrete ways to put some of these principles into action, and look at resources that will keep you focused and motivated. At the same time, this book is also about the philosophy of minimalism, not thriftiness. If you can pair your budget plan with a more nuanced understanding of your relationship with money and how it ties into how you want to live, the changes you make will be more authentic and longer lasting. Minimalism is not about doing with less than you need. Rather, it's about finding what you need and fulfilling that need exactly, without excess. It's a subtle and easily overlooked point: to have exactly enough is not suffering. Budgeting is therefore about understanding what you need to have enough, and how best you can allocate your resources to that end. Life is short. Money and material things can make our time on this earth better, and they can help us move closer to what we find meaningful and worthwhile. But they are not meaningful and worthwhile in themselves. Money is a tool and how we spend it is an expression of our values and what we think is important. How much would you pay for peace of mind and the calm you get from knowing you are living well? How much of your life do you give away when you work? Of all your expenses, have you remembered to include the time you waste stressing about money? These may seem like vague or overly philosophical questions, but they get to the root of how we earn, spend and think of money. Once we understand these roots, our efforts to save here and there not only become easier, they become more meaningful. Here's What You'll Learn After Reading This Book: A deeper understanding of what makes for a long-lasting budgetIdentifying the core: time and valuePractical money-saving tips in areas such as food, clothes, health, home, cleaning, children, debt and financesHow to set goals that best match your personal budgetHow to put everything you've learned into practice and make your own personal budget, from week one to six months and beyondAnd much more!

    Early Retirement Extreme shows how I did it and how anyone can formulate their own plan for financial independence. The book provides the principles and framework for a systems theoretical strategy for attaining that independence in 5-10 years. It teaches how a shift in focus from consuming to producing can help people out of the consumer trap, and offers a path to achieving the freedom necessary to pursue interests other than working for a living. The principles in Early Retirement Extreme show how to break the financial chains that hold people back from doing what they truly want to do. The framework has been used by many people over the last few years to accomplish a variety of goals. It provides people a means to achieve almost any goal, whether it's debt-free living, extended travel, a sabbatical, a career change, time off to raise a child, a traditional retirement, or simply a desire for a more resilient and self-sufficient lifestyle. The book was initially written for people in their 20s and 30s, but its ideas aren't limited to early retirees. Middle-aged people in the grips of consumerism can use the principles to take back control of their lives. People closer to retirement age who don't feel adequately prepared can use it to set themselves up for a comfortable retirement in a relatively short period of time. Anyone worried about their financial future can use the principles in Early Retirement Extreme to make their future more secure.

    Kiyosaki, "New York Times" bestselling author of "Rich Dad, Poor Dad""The Millionaire Real Estate Agent "explains: Three concepts that drive production Economic, organizational, and lead generation models that are the foundations of any high-achiever's business How to "Earn a Million," "Net a Million," and "Receive a Million" in annual income

    Emotions play a powerful role in shaping our financial behavior, often making us our own worst enemies as we try to save, access value, and spend responsibly. In Dollars and Sense, bestselling author and behavioral economist Dan Ariely teams up with financial comedian and writer Jeff Kreisler to challenge many of our most basic assumptions about the precarious relationship between our brains and our money. In doing so, they undermine many of personal finance’s most sacred beliefs and explain how we can override some of our own instincts to make better financial choices.Exploring a wide range of everyday topics—from the lure of pain-free spending with credit cards to the  pitfalls of household budgeting to the seductive power of holiday sales—Ariely and Kreisler demonstrate how our misplaced confidence in our spending habits frequently leads us astray, costing us more than we realize, whether it’s the real value of the time we spend driving forty-five minutes to save $10 or our inability to properly assess what the things we buy are actually worth. Together Ariely and Kreisler reveal the emotional forces working against us and how we can counteract them. Mixing case studies and anecdotes with concrete advice and lessons, they cut through the unconscious fears and desires driving our worst financial instincts and teach us how to improve our money habits.The result not only reveals the rationale behind our most head-scratching financial choices but also offers clear guidance for navigating the treacherous financial landscape of the brain. Fascinating, engaging, funny, and essential, Dollars and Sense provides the practical tools we need to understand and improve our financial choices, save and spend smarter, and ultimately live better.

    Some have argued that humans are fundamentally competitive, and that pursuing self-interest is the best way to get ahead. Others claim that humans are born to cooperate and that we are most successful when we collaborate with others. In FRIEND AND FOE, researchers Galinsky and Schweitzer explain why this debate misses the mark. Rather than being hardwired to compete or cooperate, we have evolved to do both. In every relationship, from co-workers to friends to spouses to siblings we are both friends and foes. It is only by learning how to strike the right balance between these two forces that we can improve our long-term relationships and get more of what we want.Here, Galinsky and Schweitzer draw on original, cutting edge research from their own labs and from across the social sciences as well as vivid real-world examples to show how to maximize success in work and in life by deftly navigating the tension between cooperation and competition. They offer insights and advice ranging from: how to gain power and keep it, how to build trust and repair trust once it’s broken, how to diffuse workplace conflict and bias, how to find the right comparisons to motivate us and make us happier, and how to succeed in negotiations – ensuring that we achieve our own goals and satisfy those of our counterparts.Along the way, they pose and offer surprising answers to a number of perplexing puzzles: when does too much talent undermine success; why can acting less competently gain you status and authority, where do many gender differences in the workplace really come from, how can you use deception to build trust, and why do you want to go last on American Idol and in many interview situations, but make the first offer when negotiating the sale of a new car.We perform at our very best when we hold cooperation and competition in the right balance. This book is a guide for navigating our social and professional worlds by learning when to cooperate as a friend and when to compete as a foe—and how to be better at both.

    Dr. Schwartz presents a carefully designed program for getting the most out of your job, your marriage and family life, and your community. He proves that you don't need to be an intellectual or have innate talent to attain great success and satisfaction, but you do need to learn and understand the habit of thinking and behaving in ways that will get you there.

    UNLEASH YOUR DREAM.Tired of sleepwalking through a mediocre life bribed by mindless video-gaming, redemptive weekends, and a scant paycheck from a soul-suffocating job? Welcome to the SCRIPTED club-- where membership is neither perceived or consented.The fact is, ever since you've been old enough to sit obediently in a classroom, you have been culturally engineered for servitude, unwittingly enslaved into a Machiavellian system where illusionary rules go unchallenged, sanctified traditions go unquestioned, and lifelong dreams go unfulfilled. As a result, your life is hijacked and marginalised into debt, despair, and dependence. Life's death sentence becomes the daily curse of the trivial and mundane. Fun fades. Dreams die. Don't let life's consolation prize become a car and a weekend.Recapture what is yours and make a revolutionary repossession of life-and-liberty through the pursuit of entrepreneurship. A paradigm shift isn't needed--the damn paradigm needs to be thrown-out altogether.The truth is, if you blindly follow conventional wisdom pushed by conventional people living conventional lives, can you expect to be anything but conventional? Rewrite life's script: ditch the job, give Wall Street the bird, and escape the insanity of trading your life away for a paycheck and an elderly promise called retirement. UNSCRIPT today and start leading life-- instead of life leading you.

    Girl, Make Your Money Grow! presents their step-by-step plan to help you clear away debt, create new streams of income, buy prime real estate, map out a personalized plan for retirement, and build an investment portfolio that’s right for you using bonds, mutual funds, and blue-chip stocks to lower your risk without sacrificing profits. Filled with Bridgforth and Perry-Mason’s warmhearted wisdom, and complete with exercises, affirmations, and inspiring stories of African American women who’ve successfully grown their financial gardens, Girl, Make Your Money Grow! is a fresh, fun, and eminently practical guide to achieving the next level of financial security and funding the future of your dreams.

    Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).

    Pressfield believes that “resistance” is the greatest enemy, and he offers many unique and helpful ways to overcome it.

    It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from. My wish for this book is that it encourages you to think about money in a way that makes you feel in control, uplifted and inspired to steer yourself towards a joyous and prosperous future. I want to share my contagious beliefs that dealing with your money can be fun and exciting. I know many women have a fractious relationship with their finances and can often be quite scared of dealing with things. I have felt that way in the past too. I do hope you will join me in this journey because it feels so much better to have a good relationship with your money than not. I love the saying Look after your money, and your money will look after you. It does not have to be scary, and you do not have to worry about becoming greedy if you focus on your finances; all that will happen is that this important area of your life will feel happier, freer and more bountiful. It is a glorious feeling and it is well within your reach. I hope that by the end of this book you will be eager and enthusiastic about your own finances, in fact, I am sure you will. ~~ Fiona Ferris Contents: Introduction How I became interested in personal finance About this book Chapter 1. Start from the beginning What do you believe about money? Make your finances fun and enjoyable Simplify your life Chapter 2. Be savvy and a good steward of your money Living well on a moderate income Add up what your vice is costing you Try out cheaper options ‘The free part’ Cap limits in your life Decide for yourself what you splurge and save on Spend more time at home Make your own meals most of the time Do not be afraid to ask for gifts Slim down your magazine choices Chapter 3. Live like a millionaire now and feel rich every day Do not wait to be rich to feel good Use your good things Surround yourself with beauty Keep only what your future self would have in her beautiful home Visit five-star luxury and soak it in Replace broken items with quality, cherish the rest Feel luxurious in budget-friendly ways Curate your wardrobe Cultivate an expensive-looking personal style Have an elegant personal demeanour ‘Expensive’ décor on a budget Chapter 4. See how you rich are already Know where your finances are at Speak positively about your finances Cultivate a happy and relaxed feeling around money Contentment as a financial tool Think beyond a purchase to its exit Chapter 5. Inspire yourself to a wealthy future Keep your vibration high Share your dreams with your other half Commit to being debt-free Take inspiration from expensive stores Read inspirational money books and find fun ways to educate yourself Think as if you were creating your own personal brand Have role models Chapter 6.

    Whether you're dealing with your spouse, boss, department store, bank manager, children, solicitor, or best friend - in every encounter with other people, negotiating is always taking place. And how well you handle those encounters determines whether you prosper happily or suffer frustration and loss. With his helpful and sensible approach Cohen shows that negotiating is a process you can understand and predict - and most importantly, that it's a practical skill you can learn and improve upon.

    That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible!In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents:-How to prepare their child for college-Which classes to take in high school-How and when to take the ACT and SAT-The right way to do college visits-How to choose a majorA college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

    . . is one of the most profound thinkers and mind expanding individuals I’ve ever had a chance to listen to.”— Les Brown“Jim Rohn is a master motivator—he has style, substance, charisma, relevance, charm, and what he says makes a difference . . . The world would be a better place if everyone heard my friend Jim Rohn.”—Mark Victor HansenYou don’t have to choose between wealth and happiness—they spring from the same fountain of abundance. With this book, you’ll discover the seven essential strategies you need for success: ·Unleash the Power of Goals ·Seek Knowledge ·Learn the Miracle of Personal Development ·Control Your Finances ·Master Time ·Surround Yourself with Winners ·Learn the Art of Living Well Author Jim Rohn’s philosophy has helped millions change their lives for the better. Find out what it can do for you!

    Do you know that everything you need to know about personal finance can be summed up in only 1,000 words? What if I told you that you can learn how to handle your money better than a majority of your peers?Now you can.In this book you learn everything you could ever want to know about your money - in less than 10 minutes. That’s all it will take for you to become a master of money.How many articles and books do you see on personal finance? Hundreds? Thousands?Blogs. Books. Podcasts. The resources you have at your disposal are limitless. You know what happens when you have limitless resources? You ignore them. All of them. But that is okay. This will be the only resource you will ever need on personal finance. That is what makes this book so special. In this brief book you will learn: How to control your spending habits Where you should focus your time when making a large purchase How to save thousands doing this one simple thing How tracking every penny does NOT make you financially responsible and what you should do instead What you should spend your money on (hint: it’s not what you think) Why saving for only 10 years is better than saving for 32 years How to make budgeting work for you, even if you hate it! How to make more money Where you should focus your time and effort on to make more money Those habits of the rich How you make money work for you How to avoid taxes legally. The specific investment you should choose The one type of mutual fund you should avoid How you can simplify your finances What you can do to save for retirement every month without lifting a finger If you do not want to learn everything about personal finance in 10 minutes or less, this book is not for you. However, if you want to take control of you money, grab this free eBook today. You’ll be glad you did. Well, what are you waiting for?! Scroll up and download your copy today!