Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else. This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you’ll budget better and become richer as a consequence. Regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. Since my youth, I’ve had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings. If you’re tired of the false and impossible-to-follow promises of “finance gurus,” try out my simple, straightforward, easy-to-stick-to methods. Improve your spending habits: • Incorporate minimalism into your finances • How to avoid becoming a minimalist consumerist • Learn the psychological traps that make you overspend • Control your compulsive spending habits Feel financially secure every day: • Learn about two A-Z budgeting methods and how to make them work for you • Learn ratio-based budgeting and fixed-amount budgeting • Discover the best budgeting software programs • Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirement Stop hating your financial life: • Learn how to set SMART financial goals • Increase your self-confidence with budgeting • 50 small budgeting tips Financial education is not part of our educational system. It is normal that we don’t know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival. Money management is an essential skill for everybody who earns, shops or consumes. If you follow the budgeting tips in this book, you’ll be able to keep track of your finances. You’ll clearly know where your money goes, where it comes from and where can you save. You won’t feel stressed of running out of money unexpectedly, you’ll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events. Leave money struggles for yesterday. Grab a copy of Minimalist Budget by hitting buy now in the top right corner of this page.

    His story is seasoned by his adventures during his first circumnavigation in 1984-86 as told in Across Islands and Oceans. Alone with little money aboard Atom, his now engineless 28-foot sailboat, James embarks on his odyssey without the comforts and equipment most sailors consider essential. Challenging himself to live as closely with the sea as possible, the author sets sail in 1987 from Florida, bound for new adventures on the distant shores of Asia. He does not return home again for 15 years. In this paean to the sea and foreign lands, the author recounts the best and worst of life on the ocean, visits to far-flung islands, and adventures amid throngs of humanity in some of the world’s most densely populated cities. This unvarnished physical and philosophical saga includes encounters with dead-eyed bureaucrats, native angels of mercy, newly discovered WWII wreckage, fellow expat adventurers, rogues and misfits. The journey takes many unplanned turns as the author faces near misses with lurking dangers, hikes across islands, finds temporary employment ashore, and immerses himself in foreign cultures. Along the way he is tested by sea and society, and he ultimately discovers the priceless treasures of heart and mind that he seeks. James invites you to come aboard Atom for the journey of a lifetime.

    It is also the best route to enjoying the landscape of Great Britain. Within these pages Vicki Pipe and Geoff Marshall from All the Stations (YouTube transport experts and survivors of a crowd-funded trip to visit all the stations in the UK) help you discover the hidden stories that lie behind branch lines, as well as meeting the people who fix the engines and put the trains to bed. Embark on unknown routes, disembark at unfamiliar stations, explore new places and get to know the communities who keep small stations and remote lines alive.

    Walk? 500 miles? Across Spain? We can't do that!And so began the journey of a lifetime for Reg Spittle.An outwardly well-adjusted professional and family man, Reg was a master of disguising a lifetime of debilitating anxiety that undermined his self-confidence.Recently retired, he never dreamed he'd soon find himself chasing distant boundaries across a foreign land, sleeping in dorm bunks and sharing bathrooms as if he were a teenager experiencing his gap year.When tragedy strikes, Reg reluctantly accepts his wife's challenge to carry his red backpack on the historic Camino de Santiago, confronting past fears and humiliations, while packing weighty new worries.Self-reflection, humor, and a recurring cast of characters create the backdrop for a story of hope in Camino Sunrise: Walking With My Shadows.

    

    Not only faced with a life of adversity, Ruth and her mother Caitlin also share a secret, one that no one else must ever know. Ruth and Caitlin's wages are barely enough to put food on the table let alone pay the rent. And an increasingly neglected young Glynis runs wild. When Caitlin contracts tuberculosis and dies they have no option but to move into an even more squalid neighbourhood. But Ruth is still determined to keep their secret, at all costs. That is, until their father dies unexpectedly and an ever more desperate Ruth and Glynis find themselves living hand-to-mouth...

    This book gives students and teachers an excellent guide for handling a bully.

    Authors and money-management experts Lyle and Tracy Shamo say, "Like it or not, meeting basic needs has nothing to do with poverty and everything to do with how well we manage our money." In this practical guidebook, the authors will help you take control of your money, teaching you how to pay off your debt-including your mortgage and car loans- and stay out of debt. Advanced computer software (included on a CD-ROM that comes with the book) will help you assess your financial status, learn more about where your money is going and discover how to channel it to the right places.

    Topics: basic skills, essential skills, personal development, Affairs_Sex_and_Love, professional life, money, rejection, your and our future, unexpected stories, and “So, where do we go from here?”Readers will be able to apply the tricks Gisela reveals immediately. The ebook edition won BRONZE at the eLit Awards 2012 (category inspirational/motivational)5***** at Readers Favorite

    Written by Amanda Ruggeri, Rome resident, travel journalist, and the blogger behind www.revealedrome.com, it's full of advice to help you enjoy every aspect of your trip, including tips like:-how to pick an authentic Roman restaurant at a glance-budget accommodation options you may not have considered-how to skip the lines at the Colosseum and the Vatican-how to protect yourself from pickpocketing in Rome-which Roman dishes you have to try-where to find drinking water, and bathrooms, while out and about-how to navigate Rome's public transportation system-the best neighborhoods in Rome for shopping...and much more!Armed with these tips, both first-time and frequent visitors to Rome will come away feeling like true Rome insiders!

    Most people know how important it is to manage their money wisely. But most budget books are cumbersome and overly technical. And computerized budgeting systems are complex and temperamental. This book presents a simple, easy-to-use, and effective system that makes budgeting as easy as writing a check.

    The themes of betrayal, romance, love and mystery underpin this epic drama - the bewitching plantation owner, Annie Palmer, the beautiful and determined slave girl, Millie, the handsome and sophisticated John Rutherford caught in the middle - a torrid love story set in the steamy climate of the tropics.

    But she never took any short cuts to become happier, wiser, healthier and more compassionate. She had to find rays of hope where the dark tunnel seemed unending, and identify shade in life's burning path. She found little pearls of wisdom in chasing her dreams, in spreading laughter, in learning from scriptures and philosophers, and even at one point in almost ending her life. More than Kiara's story and the wisdom she achieves through the various dramatic and hilarious experiences, this book is a motion picture with you in the lead role. You as the 'hero' who can beat the most stubborn of villains — most of which lie deep within us…our fear, unkindness, selfish interests, negative thoughts and jealousy. You as the 'heroine' who is sharp and witty in talking, selfless and caring in love, and charming and beautiful inside out, like none other (perhaps a 2.0 version of you). Walk with Kiara to find a better you, because It Doesn't Hurt to be Nice.

    They do this with little training, and often only their good intentions guide them. When Reasoning No Longer Works is the training manual these family caregivers have been searching for. Written by a Gerontologist with more than twenty years of experience, this reference gives the reader an easy to understand view of what dementia does to the brain, how it is diagnosed, and most importantly, how to deal with its effects. Bulleted lists clearly explain: • How to avoid a catastrophic reaction • Specific approaches for aggressive behavior • How to deal with disruptive behaviors • Ways to diminish wandering • What to do when a wanderer is missing • When to look for outside help You’ll also follow the story of Lou and Rose, a couple who share their lives with Alzheimer’s disease. Together, they find the answers to questions caregivers and victims are sometimes afraid to ask. (with foreword by Dr. Randall J. Bjork) "Sixteen years ago, my father, Charles, died as the result of AD. For many years to come, I knew that I had failed him. I wish I knew then what I read about now in When Reasoning No Longer Works. The stress of living with an Alzheimer’s patient in the family can be heart-wrenching, but this book provides hope and help.” — Jeanie M, daughter and caregiver

    Pensions have almost completely disappeared and the financial future of Social Security has many worried. This book shows you how to take control of your own future by teaching you the fundamentals of investing.Many people are afraid to put their hard earned money in the stock market because they don’t want to lose it all. This book shows you how to invest your money for growth instead of treating the stock market like a slot machine and just hoping to get lucky. Inside the book you will discover: The basics of what the stock market is and how it works The differences between passive and active investing The differences between stocks, bonds, and cash All about mutual funds and other types of funds What you need to know about the economy to make good investments How to plan for retirement All about risk And Much More This quick start guide will help you go from knowing very little about investing to being confident in starting your own investment in your retirement.If you are looking for a get rich quick scheme, this book isn’t for you. But, if you want to learn about how to invest and the best ways to plan for your retirement, this book will start you on the path of taking control of your own future.The sooner you get your copy, the sooner you can start your personal investment education. Don’t wait another second. Get Your Copy Right Now