But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you're out with your crew and can't afford to split the bill evenly- How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!

    But, whether you need to organize records for yourself, your family or your executor, Get It Together will show you how to keep track of: instructions for survivors secured places and passwords final arrangements estate planning documents employment records insurance policies tax records retirement accounts government benefits, and real estate records. This workbook provides a complete system for structuring a records binder and easily organizing it for your loved ones. The all-new 3rd edition is easier to use than ever, with fully updated resources and references. And, if you'd like to work on your computer, use the CD-ROM and print your work and put it into a binder. (20090101)

    The problem is, businesses are run by humans, and humans aren't always logical. Serial entrepreneur Mike Michalowicz has developed a behavioral approach to accounting to flip the formula: Sales - Profit = Expenses. Just as the most effective weight loss strategy is to limit portions by using smaller plates, Michalowicz shows that by taking profit first and apportioning only what remains for expenses, entrepreneurs will transform their businesses from cash-eating monsters to profitable cash cows. Using Michalowicz's Profit First system, readers will learn that:- Following 4 simple principles can simplify accounting and make it easier to manage a profitable business by looking at bank account balances.- A small, profitable business can be worth much more than a large business surviving on its top line.- Businesses that attain early and sustained profitability have a better shot at achieving long-term growth.With dozens of case studies, practical, step-by-step advice, and his signature sense of humor, Michalowicz has the game-changing roadmap for any entrepreneur to make money they always dreamed of.

    Her classic bestseller, Making the Most of Your Money, guided a generation toward smart and sensible financial choices. Here she strips away the extras, choosing the best financial ideas and products available today. They're all you need to create a successful and long-lasting financial plan. It's money management the No Worry way. To start with, she tells you to forget all the complicated stuff the financial industry sells. You don't need it, it costs too much, and some of it is downright bad. It's designed to make the banks, brokers, and insurance companies rich, not you. The best ideas (a super-short list!) are simple, low in cost, and easy to use. They're also sophisticated and smart. The strategies shown here are followed by some of the most successful planners and money managers around today, yet they're something everyone can understand. They'll give you what you need from your money -- regular savings, financial security, long-term investment growth, personal control, and best of all, peace of mind. Once you've set up a No Worry plan, you won't have to pay much attention to it. The choices you'll find here are all good ones. All you have to do is arrange for automatic payments and contributions and then get on with the rest of your busy life. You can focus your energies on your job, family, leisure, and friends, secure in the knowledge that your finances are okay. Here's what you'll do on the No Worry plan: Save more money without feeling pinchedGet rid of debt the automatic wayKeep yourself safe, with the right amount of insurance at the lowest costZero in on the right mortgage, every timePick the best college savings plan for your kidsUnderstand your finances, in ways you never did beforeFind the smartest and simplest ways of investing money, to earn superior returns over the long run The investment ideas alone will open your eyes to the newest strategies for accumulating wealth (without making big mistakes!). Jane Bryant Quinn will change the way you think about money. She has the answers busy people need.

    It is the most complete source of step-by-step information about growing, processing, cooking, and preserving homegrown foods from garden, orchard, field, or barnyard. This book is so basic, so thorough, so reliable, that it deserves a place in every home whether country, city, or in between. Carla Emery started writing The Encyclopedia of Country Living in 1969 during the back-to-the-land movement of that time. She continued to add content and refine the information over the years ad the book went from a self-published mimeographed document to a book published by Bantam and then Sasquatch. The 10th Edition reflects the most up-to-date and the most personal version of the book that became Carla Emery’s life work. It is the original manual of basic country skills that have proved essential and necessary for people living in the country and the city, and everywhere in between. The practical advice in this exhaustive reference tool includes how to cultivate a garden, buy land, bake bread, raise farm animals, make sausage, can peaches, milk a goat, grow herbs, churn butter, build a chicken coop, catch a pig, cook on a wood stove, and much, much more.

    In Simple Prosperity he shows readers how we can overcome this disease by investing in a variety of real wealth sources. To recapture a more abundant and sustainable lifestyle, try:- Creating a richer life story through personal growth incentives - Forming higher-yield friendships and stronger bonds through social capital - Taking preventive healthcare measures to build up wellness reserves - Balancing the biological budget through greener currency - Caring for people, not just cars, to improve your neighborhood wealth index - Resolving that pesky carbon conundrum through energy savings - Celebrating instead of desecrating! Cultural prosperity futures value the earth as a sacred placeIn our age of hedge fund hysteria, Simple Prosperity is a new way of investing that will save our sanity and the planet.

    In their latest book, they’ve set out to prove that just because you have kids or pets doesn’t mean you’re sentenced to floors overrun with toys or furniture covered in plastic. Through never-before-seen makeovers in the Petersiks’ own house, doable DIY projects, and a gallery of other inspiring spaces, Lovable Livable Home shows how beautiful homes can be functional too.

    But what if you could escape the traditional path and get on one that doesn't require working full-time until age 65? What if you could wake up every day without an alarm clock and do the things you love most? Tanja Hester and her husband Mark left their crazed careerist lifestyle to live their dream life in Lake Tahoe, retiring early from high-stress careers. Now Tanja will help you map out a customized plan for freedom and make it easy to succeed, whether you're good at math and budgeting -- or not! Work Optional is more than just a financial plan: it's a plan for your whole life -- designed by you, not by an employer or clients. Tanja walks you through envisioning your dream life, accounting for variables such as health care and children, protecting yourself from recessions and future unknowns, and achieving a purpose-filled early retirement, semi-retirement, or career intermission with completely doable, non-penny-pinching steps. You can live a happier, more meaningful life, free from the daily grind. Regardless of where you are in your career, Work Optional will get you there.

    With personal savings lower than ever before and household debt going through the roof, many people are in dire need of financial advice. But can a book that includes sex, zombies, and Star Trek really help? You might be surprised. Wealthing Like Rabbits is a sharp, entertaining guide to personal finance that proves sound money management doesn't have to be painful and neither does learning about it. Combining a unique blend of humour and perspective with common sense, Robert R. Brown takes you through the basics of financial planning by using anecdotes and pop culture to shed light on some of the most important, yet often mismanaged aspects of personal finance. Covering subjects ranging from retirement savings and mortgages to credit cards and debt, this book will help you balance your life goals with your financial responsibilities. Wealthing Like Rabbits is a smart, accessible, never-boring romp through personal finance that you will count as one of your best investments ever. Visit the website at www.wealthinglikerabbits.com

    Faced with climate change, dwindling resources, and species extinctions, most Americans understand the fundamental steps necessary to solve our global crises-drive less, consume less, increase self-reliance, buy locally, eat locally, rebuild our local communities. In essence, the great work we face requires rekindling the home fires.Radical Homemakers is about men and women across the U.S. who focus on home and hearth as a political and ecological act, and who have centered their lives around family and community for personal fulfillment and cultural change. It explores what domesticity looks like in an era that has benefited from feminism, where domination and oppression are cast aside and where the choice to stay home is no longer equated with mind-numbing drudgery, economic insecurity, or relentless servitude.Radical Homemakers nationwide speak about empowerment, transformation, happiness, and casting aside the pressures of a consumer culture to live in a world where money loses its power to relationships, independent thought, and creativity. If you ever considered quitting a job to plant tomatoes, read to a child, pursue creative work, can green beans and heal the planet, this is your book.

    Time is not. Become financially independent as fast as possible.In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him "the Millennial Millionaire." By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it's obsolete.Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you've ever learned about money so that you can actually live the life you want.Sabatier offers surprising, counter-intuitive advice on topics such as how to:*  Create profitable side hustles that you can turn into passive income streams or full-time businesses*  Save money without giving up what makes you happy*  Negotiate more out of your employer than you thought possible*  Travel the world for less*  Live for free--or better yet, make money on your living situation*  Create a simple, money-making portfolio that only needs minor adjustments*  Think creatively--there are so many ways to make money, but we don't see them.But most importantly, Sabatier highlights that, while one's ability to make money is limitless, one's time is not. There's also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to "retire" at age 30 than you do at age 65.Financial Freedom is not merely a laundry list of advice to follow to get rich quick--it's a practical roadmap to living life on one's own terms, as soon as possible.

    It offers guidance for those who want to make smart investments - even if they've never owned stocks before. This updated edition includes new concepts, improved chart graphics and new research tools. Key issues include: making money reading the daily financial pages; picking the best industry groups in the market; reading charts to improve stock selection and timing; reducing losses and mistakes; and turning a profit from reading and analyzing the news.

    But Andrew Hallam did so, long before the typical retirement age. And now, with Millionaire Teacher, he wants to show you how to follow in his footsteps. With lively humor and the simple clarity you'd expect from a gifted educator, Hallam demonstrates how average people can build wealth in the stock market by shunning the investment products peddled by most financial advisors and avoiding the get-rich-quicker products concocted by an ever widening, self-serving industry.Using low cost index funds, coupled with a philosophy in line with the one that made Warren Buffett a multi-billionaire, Hallam guides readers to understand how the stock and bond markets really work, arming you with a psychological advantage for when markets fall.Shows why young investors should hope for stock market crashes if they want to get rich Explains how you can spend just 60 minutes a year on your investments, never open a financial paper, avoid investment news, and still leave most professional investors in the dust Promotes a unique new investment methodology that combines low cost index funds and a Warren Buffett-esque investment philosophy Millionaire Teacher explains how any middle-income individual can learn can learn the ABCs of personal finance and become a multi-millionaire, from a schoolteacher who has been there and done that.

    Featuring all-new Money Diaries, valuable advice on how to get rich (and afford life in the meantime) from a handpicked team of female financial advisers, and money challenges that will save you up to $500, Refinery29 Money Diaries will empower you to take immediate control of your own money, including: • Why budgets are bulls&!t and what to do instead • How to make repaying your loans as painless as possible • How to start an emergency fund even if you’re living paycheck to paycheck • How to effectively ask for a raise and make sure you’re being paid fairly • How to have fun without going broke • The joy of saving for future you With a vision of what your dream bank account balance looks like, some expert advice to help you achieve it, and the support of a powerful community with the same goal, you’ll be a step closer to taking control of not just your wallet, but your life.

    It's about what you gain. When you remove the things that don't matter to you, you are free to focus on only the things that are meaningful to you. Imagine your home, your time, your finances, and your belongings all filling you with positive energy and helping you achieve your dreams. It can happen, and Organized Simplicity can show you how. Inside you'll find: A simple, ten-day plan that shows you step-by-step how to organize every room in your home Ideas for creating a family purpose statement to help you identify what to keep and what to remove from your life Templates for a home management notebook to help you effectively and efficiently take care of daily, weekly and monthly tasks Recipes for non-toxic household cleaners and natural toiletry items including toothpaste, deodorant and shampoo Start living a more organized, intentional life today.