“I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.

    She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives. This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset. As you master each of the three phases through repetition, you will create your own financial freedom, allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve. No matter how much consumer debt you carry, this book is a judgment-free zone from cover-to-cover. Your dreams are welcome here.

     Are you tired of spending too much time on your wardrobe, only to feel ho-hum in your clothes? Does it feel like everyone but you got a rulebook telling them exactly how to look put-together for any occasion? If only you could narrow your wardrobe down to only the pieces that worked perfectly for you, you could look your best with ease and never waste time worrying about what to wear again. In The Curated Wardrobe author and stylist Rachel Nachmias will walk you through the exact steps she has used with hundreds of clients to curate their wardrobes so that looking chic and feeling comfortable and confident every day is easy. In this book you’ll learn: Why you have nothing to wear even though your closet is jam-packed The definitive formula for knowing which styles and colors work on you - and which don’t How to hone your wardrobe into a small, curated collection of investment pieces while being able to dress for any occasion The secret to looking age appropriate and professional without being boring How to quickly figure out and find the exact pieces you need in your closet so you can spend time on other things If you’re ready to discover your own perfectly curated wardrobe and make looking your best an effortless part of your daily routine, read this book.

    You work hard to provide every advantage you can. You want them to be safe, smart, and healthy. yet when it comes to money, it's a whole different story. If you're like most people, you'd rather run a mile through a desert with a camel on your back than talk financial realities with your children.Your parents told you that talking about money just wasn't polite. Look where that left you! A healthy, balanced attitude towards money begins when kids are just toddling, so pull you head out of the sand and help your child learn about money and how it works.Gail Vaz-Oxlade, Canada's #1 personal finance expert, will teach you everything your children need to know. Gail believes that building confidence and money skills begins with an age-appropriate allowance. In "Money-Smart Kids", she'll show you how to start an allowance and how to help your kids:- Make Saving a habit- Learn the difference between a need and a want- Use the "magic jars" to balance competing goals- Create lifelong money-management skillsWhat better gift could you give your kids than the confidence to control their money, rather thean letter their money control them? Whether your children are toddlers or teens, let Gail help you raise Money-Smart Kids.

    This is not you grandma's coupon book! Pick Another Checkout Lane, Honey teaches you step-by-step how to:o Find coupons and "stack" them with a sale for huge savings.o Build a stockpile of food at rock-bottom prices to last you and your family up to a year.o Make passers-by gape at your cart full of groceries you purchased for 75% off retail price.o Get your cashiers to gasp and applaud as you purchase everyday items for pennies on the dollar.o Gain the confidence to strut down the aisles, flaunt your coupons, and maybe even wear high heels to the grocery store!Authors Joanie Demer and Heather Wheeler, founders of TheKrazyCouponLady.com, share their expertise along with hundreds of tried and true coupon tips in a fun, user-friendly format that will have shoppers high-fiving the grocery store cashier in no time.

    Free goal-setting/visualization guide and affirmation audio track included with purchase. Would you like to know the shortcut to achieving success and extreme happiness? In this life-changing book, you will learn the methods and techniques for creating dramatic, permanent change in your life. It took me many years of suffering and then many years of self-education to figure out the secrets of success and happiness, and now I'm thrilled to present to you this book that covers many of the strategies that I use to this day to help me achieve greater success and maintain my happy and optimistic attitude. How to Achieve Success and Happiness: Increase your mind power, overcome negativity, achieve your goals, and live your dreams in record time In this book, you will learn how to systematically adjust your mindset in order to create rapid change in your life and dramatically increase your levels of happiness. You will discover the step by step approach for manifesting all your desires, and you will also learn the common roadblocks to success so that you may avoid making mistakes along the way and accelerate your progress. Topics covered include: Subconscious programming Cultivating self-awareness Autosuggestion Visualization techniques Blocks to Abundance Eliminating stress Eliminating negative influences Increasing energy It is certainly possible for you to achieve success and live your dreams, and you can achieve your goals in much less time than you might think. Success starts from within. I learned that the hard way after having my life crumble before my eyes. I had to rebuild myself from within. Only when I learned to be happy did I start to see worldly success, and this book will describe exactly how I did that. You don't have to take the long path to success like I did. You can take the shortcut and begin realizing your wildest dreams faster than you could imagine.

    It can feel like we are pulling a cart behind us with all are troubles and worries, it slows us down, we can become tired, depressed, even jealous, as life seems so easy for others. All we need to do is LET GO of the cart and we will feel lighter and free, but often we have held onto it so long that it has become part of us. Many of the people we know are also carrying carts, so it can seem normal. We talk about how heavy are cart is with anyone that will listen, at no point do we realize that we can set down that heavy cart that is keeping us from Gods love. We need to learn to Let go. In this book I will share with you stories of people that struggled with letting go and what happened when they did. God is only in the present moment, he is not in the past or future. The moment that we let go of the past God will turn the page to the next chapter of our life, which will be much better than the last. It will take courage and faith, but I invite you to take this journey with me. By the end of the book God will shine a light into your life that will illuminate you to… THE POWER OF LETTING GO.

    As a resolute Bobby, teamed up with with old timer, Diggory, set off after the killers, Ella is placed at the mercy of an unscrupulous priest and soon finds herself aboard one of America's infamous, Orphan Trains. Bobby and Diggory, now accompanied by his reluctant, young schoolteacher, Miss Halfpenny, are faced with the critical dilemma of searching for his sister, or the continued quest of his parents' killer. And so, a desperate pursuit ensues across America's still untamed and perilous Wild West.

    Also a FREE bonus challenge within. Psychic Empath development to increase your Empath abilities. Are you interested in how you can increase the joy and happiness in your life? Are you currently looking for a way to change your life from within? Are you wondering why you mind continues to change as you meet new people. In this book, it will provide all that and more…Psychic awareness and the understanding of what an Empath is. Learn how to enhance your life, develop your psychic abilities and your intuition as an Empath.Aim to discover your hidden potential within that you have at all times. These abilities are hidden and with this book, you will learn and be able to move forward to strengthen these abilities to achieve an amazing life.Here is what you will get with this book. Common traits of an Empath Surviving emotional vampires. Understanding a Psychic Empath. Shielding and clearing your energy. Empaths have rare and special gift. They are unique, intuitive, creative and most of all, they have the ability to feel what others feel. They are also highly psychic. They can communicate with nature and animals, and receive information from various objects. Many of them can sense the past, present and future states of the environment and the people in it. However, in exchange for these remarkable traits, many empaths suffer from too much negativity and find it difficult to cope with their empathic abilities. Plus a FREE bonus challenge Why should you be interested in this book? This guide also coincides with a consistent meditation practice that combined can greatly benefit the practitioner.Experience a new and higher way to live life to it's fullest daily.This book isn't teaching dogma or telling you something is good or bad for that matter, but it is a practical guide to help use the forces that you cant see to improve your life.Read this book for FREE on Kindle Unlimited - Download Now!

    As he teaches you what to expect during the grieving process, Jack will guide you through the grief and leave you with a gentle smile. Join many other readers who have been healed by the time they turn the final page! Once you learn how to do it, Jack's wisdom can be applied to every relationship in your life for as long as you live. After all, our story is your story too. Jack brings the wisdom of a lifetime to his readers as he expands our tolerance and compassion for all of humanity. This honest and heartwarming account of Jack's life will touch everyone who has ever loved. It matters not if they have four legs or two. Jack leads us to a higher love by extending himself to every creature of the earth, every human on the planet, every spirit in the universe and most of all, to the bona fide Master over Heaven and earth.

    What I eat. And how I stay lean. If you are over the age of 50 there is no better time to get VERY FIT!! And have the body you truly desire despite your age!!Fitness over 50: Weekly Workout Plan! by Christopher Quinn

    But, actually, this isn't the case at all. In fact, these super-rich individuals realize that their money needs to work for them and so they learn how to take what are known as "calculated" risks. The super-rich are definitely not psychics, nor do they have a "magic" secret that they hold close to their own kind. In fact, their real secret lies in the fact that they know what simple investing mistakes should be avoided. And, in truth, these mistakes are common knowledge, even among those investors who are not particularly wealthy at all. Investing properly is a guided, purposeful tool for building and adding to wealth, but it is not only for the rich. Actually, anyone can get started quite easily, and there are multiple avenues that make it easy to begin, with small amounts to start up a portfolio. Additionally, what differentiates using investment (as opposed to gambling) is that it takes a period of time for the "magic" to happen. Therefore, it is not a get-rich-quick scheme, at all. I want us to be clear on that point from the get-go. By the end of this book, you'll have a great understanding of what investing is, and you will know how the magic of compounding works too. We'll take a look at other options that you might find useful, so then you'll have the knowledge you need before you get started with your own investing. Again, thank you for joining me here; it's my pleasure to guide you through this important information. I believe that knowledge is power, and I hope that you'll feel more comfortable once you get the real gist of how it all works, and how it can work really well for you.

    Readers can maintain complete control over their money-and not sacrifice precious points to an advisor or broker.Using a strategy that minimizes volatility and maximizes returns, Solin makes investing according to the principles of the most sophisticated financial models accessible to individuals in a way that has never been possible before.As readers have come to expect from Solin, implementing this plan is as simple as one, two, three: open an account with a discount broker; determine the appropriate asset allocation using the simple questionnaire in the book or online; input pre-determined ETFs (Exchange Traded Funds) and the allocations for the level of the investor's individual risk profile.This is the only book that provides the information and practical guidance that readers need to achieve the very best results with the minimum risk,on their own.

    Normal people like you and me. I want to help people with their lives. Hence, this book’s priced at 2.99 cents only. I have no money making agenda with this book. I have other channels to cash in. I don’t want to be a life coach. It doesn’t make sense to me. Why should I coach your life in a way that I think is right? What I really want is, to spread my knowledge and values. You have the liberty to either accept it or discard it. Chapters - At a Glance ➤ The Universe Has A Reason For Any And Everything ➤ Choose Love before Anything ➤ Dump your Phone ➤ What's Good is also Evil ➤ You need to get it right just once ➤ Join the 4 am club ➤ Activate Your Right-Brain To be More Human ➤ Dump Your Day Job ➤ Brainstorm Ideas like Einstein ➤ Invest Your Time When You Don’t Have Money Shit happens to all of us Shit happens and it has been happening to me since my childhood. Still, I am a very happy person. You will eventually know a lot about me after reading my books. Anyways, what define us are not our miseries but how we find a way to overcome it. I am sure there are things in life we all struggle with. This book’s focused on showing you a whole new way to live your life. Please keep an open mind while reading this book. Take in what you can accept and discard the rest. Only because these techniques or philosophies have worked for millions of others doesn’t mean it will work for you as well. We were all born to be a genius. We have such a powerful brain and a beautiful life. Our tragedies in life have swept us to another corner in the world where our ‘infinite opportunities’ have been entrapped among all our worries, challenges, and miseries. Let’s find a way back home. Shall we? Alright, let’s get started.... FREE AUDIOBOOK INCLUDED INSIDE Format: .mp3 Size: 19.8 Mb Time: 1:09:28