We spend endless hours obsessing over our budgets and investments, trying to figure out ways to stretch every dollar. We try to follow the advice of money gurus and financial planners, then kick ourselves whenever we spend too much or save too little. For all of the stress and effort we put into every choice, why are most of us unhappy about our finances?According to Laura Vanderkam, the key is to change your perspective. Instead of looking at money as a scarce resource, consider it a tool that you can use creatively to build a better life for yourself and the people you care about. For instance, the average couple spends $5,000 on engagement and wedding rings, making these pricey purchases largely because everyone else does. But what if you decided to spend $300 on rings and apply the rest to future date nights, weekend getaways, and thinking-of-you bouquets over the next ten years? In he long run, what would bring more joy to your marriage? Likewise, will owning a home with a pristine lawn and a two-car garage—the American Dream—really make you more satisfied? Or are you saving up for this investment just because financial planners tell you it’s worth it?Vanderkam shows how each of us can figure out better ways to use what we have to build the lives we want. Drawing on the latest happiness research as well as the stories of dozens of real people, Vanderkam offers a contrarian approach that forces us to examine our own beliefs, goals, and values.Among her advice:Laugh at the Joneses: It’s human nature to compare yourself to those around you, but you can create lifestyle hat rings you personal satisfaction without copying your neighbors.Give yourself the best weekend ever: Studies show that experiences often bring more pleasure than material goods. With a little planning and creativity, you can give yourself a memorable getaway without leaving town or going broke.Embrace the selfish joy of giving: Giving back not only helps you build karma, it also helps you build a community—which is much more fulfilling than a tax deduction. All the Money in the World is a practical and inspiring guide that shows how money can buy happiness—if we spend it wisely.

    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.

    You'll be surprised at what you find out....

    By layering philosophy with practical knowledge, Set for Life gives young professionals the fiscal confidence they need to conquer financial goals early in life. Accumulating a lifetime of wealth in a short period of time involves working harder and smarter than the average person, and Set for Life demonstrates how to do just that―from zero savings to five figures, then to six figures, and finally to the ultimate goal of financial freedom. Wealth isn’t just about a nest egg, setting aside money for a “rainy day,” or accumulating an emergency fund. True wealth is about building out a Financial Runway―creating enough readily accessible wealth that you can survive without work for a year. Then five years. Then for life. Readers will learn how to: • Save more income―50+ percent of it, while still having fun • Double or triple your income in three to five years • Secure “real” assets and avoid “false” ones that destroy wealth

    With her signature mix of insight, compassion, and soul-deep recognition, she equips women with the financial knowledge and emotional awareness to overcome the blocks that have kept them from making more out of the money they make. At the center of the book is The Save Yourself Plan--a streamlined, five-month program that delivers genuine long-term financial security. But what's at stake is far bigger than money itself: It's about every woman's sense of who she is and what she deserves, and why it all begins with the decision to save yourself. Join the Movement to Save Yourself with this Unprecedented Offer to Readers of Women & Money: Suze Orman believes that having an account of your own is the cornerstone of long-term financial security, and so she has begun a national movement called Save Yourself to turn this wish--that every woman have an account in her own name--into a reality. She is joined in this crusade by the financial brokerage firm TD Ameritrade, which has come up with an extraordinary offer for readers of WOMEN & MONEY. Follow Suze's Save Yourself Plan and open an account in your name with TD Ameritrade. Commit to an automatic deposit of at least $50 per month for twelve consecutive months, and TD Ameritrade will provide the incentive in the form of a $100 deposit into your account in the thirteenth month. In other words, you save $600 or more over the course of a year, and TD Ameritrade will reward that effort with a $100 bonus. Learn more inside the book or at www.saveyourself.com.Offer valid for one new TD AMERITRADE account (non-retirement) opened between 2/27/07 and 3/31/08, and funded by 12 monthly consecutive automatic electronic deposits of $50 or more. First $50 must be deposited within 30 days of opening account. To be eligible, you must be a U.S. resident aged 18 or older. See www.saveyourself.com for obligations and limitations and to accept this offer. This is not an offer or solicitation in any jurisdiction where TD AMERITRADE is not authorized to do business. Random House, Inc., does not endorse, is not associated with, and has no responsibility for the TD AMERITRADE offer. TD AMERITRADE, Random House, Inc., and Suze Orman are separate and not affiliated, and each of them is not responsible for the services and information provided by the other(s). TD AMERITRADE, Inc., member NASD/SIPC.

    The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you.

    It provides both a respectful, no-nonsense look at the difficult realities of life after the Great Recession and a hope-filled, easy to follow path toward better financial stability for even the most financially strapped households. Created by a financial expert who hasn't struck it rich, How to Manage Your Money When You Don't Have Any offers a first hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don't Have Any teaches readers to do the best they can with their income no matter its size. Content rich, personal, and jargon free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read which will appeal to the average reader just struggling to make ends meet.

    Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.What makes The Automatic Millionaire unique:You don’t need a budgetYou don’t need willpowerYou don’t need to make a lot of money You don’t need to be that interested in moneyYou can set up the plan in an hourDavid Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. This one little book has the power to secure your financial future. Do it once--the rest is automatic!

    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.

    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.

    In HOW TO RETIRE HAPPY, WILD, AND FREE, best-selling author Ernie J. Zelinksi shows that the key to enjoying an active and satisfying retirement is dependent on much more than just having adequate financial resources. It means paying attention to all aspects of life, including leisure activities, creative pursuits, physical and mental well-being, and solid social support. With its friendly format, lively cartoons, and captivating quotations, Zelinski'¬?s guide offers inspirational advice on how to follow your dreams instead of someone else'¬?s, how to put your retirement in proper perspective, and how to enjoy life after work. A retirement guide from best-selling author Ernie J. Zelinski. Features tips for taking early retirement; in fact, the earlier the better. Ernie J. Zelinski'¬?s best-selling THE JOY OF NOT WORKING has sold more than 150,000 copies in 15 languages.

    You live your days tightening your boot straps, wiping the sweat from your brow, chasing undiscovered happiness just around the bend. Higher! Faster! Better! Stronger! And on and on you run. Viral sensation and HGTV.com star Erin Loechner knows about the chase. Before turning 30, she'd built a fan base of one million women worldwide and earned the title “The Nicest Girl Online” as she was praised for her authentic voice and effortless style. The New York Times applauded her, her friends and church admired her, and her husband and baby adored her. She had arrived at the ultimate destination.So why did she feel so lost? In Chasing Slow, Erin turns away from fast and fame and frenzy. Follow along as she blazes the trail toward a new-fashioned lifestyle—one that will refresh your perspective, renew your priorities, and shift your focus to the journey that matters most. Through a series of steep climbs—her husband's brain tumor, bankruptcy, family loss, and public criticism—Erin learns just how much strength it takes to surrender it all, and to veer right into grace. Life's answers are not always hidden where they seem. It's time to venture off the beaten path to see that we’ve already been given everything we need. We've already arrived. You see?You'll see.

    The book soared to the top of bestseller lists internationally, igniting global conversations about women and ambition. Sandberg packed theatres, dominated opinion pages, appeared on every major television show and on the cover of Time magazine, and sparked ferocious debate about women and leadership. Ask most women whether they have the right to equality at work and the answer will be a resounding yes, but ask the same women whether they'd feel confident asking for a raise, a promotion, or equal pay, and some reticence creeps in. The statistics, although an improvement on previous decades, are certainly not in women's favour – of 197 heads of state, only twenty-two are women. Women hold just 20 percent of seats in parliaments globally, and in the world of big business, a meagre eighteen of the Fortune 500 CEOs are women. In Lean In, Sheryl Sandberg – Facebook COO and one of Fortune magazine's Most Powerful Women in Business – draws on her own experience of working in some of the world's most successful businesses and looks at what women can do to help themselves, and make the small changes in their life that can effect change on a more universal scale.

    Told in her hilarious, bold voice that’s inspired over nine million fans, and using stories from her own life to illustrate her message, Lilly proves that there are no shortcuts to success. WARNING: This book does not include hopeful thoughts, lucky charms, and cute quotes. That’s because success, happiness, and everything else you want in life needs to be fought for—not wished for. In Lilly’s world, there are no escalators, only stairs. Get ready to climb.

    We feel the weight and burden of our clutter, and we tire of cleaning and managing and organizing.   While excess consumption leads to bigger houses, faster cars, fancier technology, and cluttered homes, it never brings happiness. Rather, it results in a desire for more. It redirects our God-given passions to things that can never fulfill. And it distracts us from the very life we wish we were living.  But it doesn’t have to be this way.    In The More of Less, Joshua Becker, helps you….   •          recognize the life-giving benefits of owning less •          realize how all the stuff you own is keeping you from pursuing your dreams •          craft a personal, practical approach to decluttering your home and life •          experience the joys of generosity •          learn why the best part of minimalism isn’t a clean house, it’s a full life   The beauty of minimalism isn’t in what it takes away. It’s in what it gives.