But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness.After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics.In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.

    Save time and money and download this 8 page summary now!Forget everything you know about money. Too many of us base our financial decisions on emotions, such as fear, worry, or guilt. It’s time to learn a new approach. Think like a CEO. Use your money to make more money. Know when it’s time to take a risk. We’ll outline the basics, and give you tips to help you reach your family’s financial goals.

    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.

    Is the dream of equality Dr. King envisioned still alive today? Can our historic national hurts still be healed? How can we rise above the racial tension threatening the nation? The Dream King is the astonishing true story of two men whose lives are woven together by history and the hidden hand of God. It reveals an inspiring narrative that exposes systemic injustice and delivers new keys for understanding the nation’s past, present, and future. • Learn about the nation’s hidden history and the unknown heroes who overcame injustice. • Discover how your life is an important part of a much bigger story. • Be equipped to be a countercultural dreamer and change the world around you.

    It is not a comforting book but a book about disturbing and dangerous trends. The Quest for Cosmic Justice shows how confused conceptions of justice end up promoting injustice, how confused conceptions of equality end up promoting inequality, and how the tyranny of social visions prevents many people from confronting the actual consequences of their own beliefs and policies. Those consequences include the steady and dangerous erosion of fundamental principles of freedom - amounting to a quiet repeal of the American revolution. The Quest for Cosmic Justice is the summation of a lifetime of study and thought about where we as a society are headed - and why we need to change course before we do irretrievable damage.

    How, he asks, do long-lasting, systematic inequalities in life chances arise, and how do they come to distinguish members of different socially defined categories of persons? Exploring representative paired and unequal categories, such as male/female, black/white, and citizen/noncitizen, Tilly argues that the basic causes of these and similar inequalities greatly resemble one another. In contrast to contemporary analyses that explain inequality case by case, this account is one of process. Categorical distinctions arise, Tilly says, because they offer a solution to pressing organizational problems. Whatever the "organization" is—as small as a household or as large as a government—the resulting relationship of inequality persists because parties on both sides of the categorical divide come to depend on that solution, despite its drawbacks. Tilly illustrates the social mechanisms that create and maintain paired and unequal categories with a rich variety of cases, mapping out fertile territories for future relational study of durable inequality.

    Even with access to compelling theories and approaches such as multicultural education, culturally responsive teaching, culturally relevant instruction, culturally sustaining pedagogy, schools still struggle to implement equitable change that reshapes the academic experiences of students marginalized by the prevailing history, culture, and traditions in public education. Instead of getting it right with equity implementation, many schools and districts remain trapped in a cycle of equity dysfunction.In Belonging through a Culture of Dignity, Cobb and Krownapple argue that the cause of these struggles are largely based on the failure of educators to consider the foundational elements upon which educational equity is based, belonging and dignity. Through this work, the authors make these concepts accessible and explain their importance in the implementation of educational equity initiatives.Though the importance of dignity and belonging might appear to be self-evident at first glance, it's not until these concepts are truly unpacked, that educators realize the dire need for belonging through dignity. Once these fundamental human needs are understood, educators can gain clarity of the barriers to meaningful student relationships, especially across dimensions of difference such as race, class, and culture. Even the most relational and responsive educators need this clarity due to the normalization of what the authors refer to as dignity distortions. Cobb and Krownapple challenge that normalization and offer three concepts as keys to successful equity initiatives: inclusion, belonging, and dignity. Through their work, the authors aim to equip educators with the tools necessary to deliver the promise of democracy through schools by breaking the cycle of equity dysfunction once and for all.

    Strapped-for-cash beginnings motivated her to strive for abundance and financial independence-goals she exceeded by age thirty as the founder of a multimillion-dollar business.Now she reveals the lessons she learned and the savvy strategies of other amazing women like designer Diane von Furstenberg and Congresswoman Marsha Blackburn. She shows how to: Say Yes to Yourself: Turn toward people and situations that enhance your well-being, and away from those that don't. Fall in Love with Your Money: When you treat your money with respect, keep track of it, and spend and save wisely, your money will always love you back. Act as If: Start your transformation by acting as if you already are as successful, intelligent, and prosperous as you want to be.

    Materialism, pressure to achieve, perfectionism, and disconnection are combining to create a perfect storm that is devastating children of privilege and their parents alike.In this eye-opening, provocative, and essential book, clinical psychologist Madeline Levine explodes one child-rearing myth after another. With empathy and candor, she identifies toxic cultural influences and well-intentioned, but misguided, parenting practices that are detrimental to a child's healthy self-development. Her thoughtful, practical advice provides solutions that will enable parents to help their emotionally troubled "star" child cultivate an authentic sense of self.

    Rather, The Color of Law incontrovertibly makes clear that it was de jure segregation—the laws and policy decisions passed by local, state, and federal governments—that actually promoted the discriminatory patterns that continue to this day.Through extraordinary revelations and extensive research that Ta-Nehisi Coates has lauded as "brilliant" (The Atlantic), Rothstein comes to chronicle nothing less than an untold story that begins in the 1920s, showing how this process of de jure segregation began with explicit racial zoning, as millions of African Americans moved in a great historical migration from the south to the north.As Jane Jacobs established in her classic The Death and Life of Great American Cities, it was the deeply flawed urban planning of the 1950s that created many of the impoverished neighborhoods we know. Now, Rothstein expands our understanding of this history, showing how government policies led to the creation of officially segregated public housing and the demolition of previously integrated neighborhoods. While urban areas rapidly deteriorated, the great American suburbanization of the post–World War II years was spurred on by federal subsidies for builders on the condition that no homes be sold to African Americans. Finally, Rothstein shows how police and prosecutors brutally upheld these standards by supporting violent resistance to black families in white neighborhoods.The Fair Housing Act of 1968 prohibited future discrimination but did nothing to reverse residential patterns that had become deeply embedded. Yet recent outbursts of violence in cities like Baltimore, Ferguson, and Minneapolis show us precisely how the legacy of these earlier eras contributes to persistent racial unrest. “The American landscape will never look the same to readers of this important book” (Sherrilyn Ifill, president of the NAACP Legal Defense Fund), as Rothstein’s invaluable examination shows that only by relearning this history can we finally pave the way for the nation to remedy its unconstitutional past.

    What if there were an easier way to not only cut costs on things you need but also make room for the things you actually want? 31 Days to Radically Reduce Your Expenses provides the tools you need to do exactly that—and so much more. As you explore the ideas packed inside these pages, you’ll discover: - The one trick to never pay full price for gas again - How to get a refund on phone data you don’t even use - The secret to a smaller mortgage payment - How to cancel your cable and still watch your favorite shows - The retail schedule every store uses to discount clothes ….plus hundreds of other expense-reducing tips! Consider this your personal roadmap to find more money at the end of every month, make lasting change, and start saving for what truly matters. FREE BONUS: Also includes access to nine printable worksheets to help you apply everything you learn in a practical way.

    This massive spike drove an unprecedented global gold-mining and exploration boom, much bigger than the Gold Rush of the 1800s. In Gold, acclaimed author Matthew Hart takes you on an unforgettable journey around the world and through history to tell the extraordinary story of how gold became the world’s most precious commodity.Beginning with a page-turning dispatch from the crime-ridden inferno of the world’s deepest mine, Hart pulls back to survey gold’s tempestuous past. From the earliest civilizations, 6,000 years ago, when gold was an icon of sacred and kingly power, Hart tracks its evolution, through conquest, murder, and international mayhem, into the speculative casino-chip that the metal has become. Hart describes each boom and bust in gold’s long story, culminating in the swift and startling emergence of China as the world’s new gold titan. In writing that Publishers Weekly calls “polished and fiery,” Hart weaves together history and cutthroat economics to reveal the human dramas that have driven our lust for a precious yellow metal.

    Like most Americans, stay-at-home moms Chrissy Pate and Kristin McKee spent the lion's share of their budgets on what they assumed to be static costs such as groceries and utilities. But when using traditional couponing and cheapskate guides didn't help their budgets shrink by a dime, Pate and McKee decided to come up with their own way to save.Within a few months, their household expenses dropped by more than half-from spending $800 each per month to less than $350! only a few years after developing their be centsable system, Pate and McKee have helped thousands of subscribers save money without spending hours finding and cutting coupons, or giving up extras like travel and entertainment. In this prescriptive guide, these authors show how anyone can save thousands of dollars on cleaning supplies, pet care, toys, travel, and most importantly, groceries-without giving up healthy foods, favorite products, or the occasional splurge.

    In this day and age, young people can't afford to repeat the financial mistakes made by their parents. Thankfully, there is a way for the middle class of today to build wealth and be happy. This practical guide will lead you through the life-long journey of financial independence, free from money related stress and empowered to live life the way you want. In Building Wealth And Being Happy: A Practical Guide To Financial Independence, you'll learn:- How to slowly get rich over many years and retire early- How to have a positive, healthy relationship with money- Whether you should use a financial advisor or DIY- Whether you should rent or buy the place you live in- Whether you should partake in socially responsible and green investments- If you can trust the stock market- If you should invest in real estate or gold- And much, much more...

    She founded the Facebook group Extreme Couponing and Bargains UK (the second largest Facebook group in the world) and is on TikTok, Youtube and Instagram helping as many people as possible to save money too.This book contains all her best hacks and tips to save money and make money - simple, life-changing ideas for everyone.Holly has included her favourite hacks from the Extreme Couponing and Bargains UK community too, who inspired her to write this book. And has asked all her money-saving expert friends to contribute tips too.All the costly moments of everyday life are included, from supermarket shops to kids parties - even special occasions like weddings and Christmas.Discover lots of fun ways to get saving, find the bargains and make your money go further.