An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:Creating a personalized Debt-Free Life Pledge.Understanding where your money is going when you’re in debt, and where it will come from to pay it off.Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you.Finding additional income sources and generating side gigs.Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.

    I will show you my daily life and choices that have created such an easy life and help to not only live frugally but create and build wealth.

    Teri Gault's groundbreaking website, www.TheGroceryGame.com, has already helped millions save serious money. And now she shares the secrets to sensible shopping in one essential volume, so you can feed your family and take care of their needs for thousands of dollars a year less! Shop Smart, Save More provides step-by-step instructions on how to:find and shop the right storesdecode "Everyday Low Prices" and other grocery store lingomaster the science of couponsorganize your shopping liststockpile effectivelyrecognize bogus "bargains" and anticipate real salesgo green for less green . . . and much, much more!

    Meanwhile, many families of freshmen attending selective private colleges will spend triple—over $300,000. With the same passion, smarts, and humor that infuse his personal finance column, Ron Lieber offers a much-needed roadmap to help families navigate this difficult and often confusing journey. Lieber begins by explaining who pays what and why and how the financial aid system got so complicated. He also pulls the curtain back on merit aid, an entirely new form of discounting that most colleges now use to compete with peers.While price is essential, value is paramount. So what is worth paying extra for, and how do you know when it exists in abundance at any particular school? Is a small college better than a big one? Who actually does the teaching? Given that every college claims to have reinvented its career center, who should we actually believe? He asks the tough questions of college presidents and financial aid gatekeepers that parents don’t know (or are afraid) to ask and summarizes the research about what matters and what doesn’t.Finally, Lieber calmly walks families through the process of setting financial goals, explaining the system to their children and figuring out the right ways to save, borrow, and bargain for a better deal. The Price You Pay for College gives parents the clarity they need to make informed choices and helps restore the joy and wonder the college experience is supposed to represent.

    For most American households cutting back on the things they love has become harder and harder to bear. But there are ways to get what you want at a fraction of the cost—if not free. With this book, extreme couponing expert Joni Meyer-Crothers explains precisely how she has managed to save thousands by clipping coupons, using them wisely and never paying full retail price for any product. She reveals what basic items you should never pay for (toothpaste, toothbrushes, razors, pasta, etc.), and teaches readers techniques to obtain coupons that do not cost a penny and turn them around to save big on groceries, cleaning items, hygienic supplies, and many other household products. Learn the basics of couponing, maximizing your savings, and thinking outside of the box when it comes to how you shop. With Extreme Couponing, there’s no reason to pay full price for the things you need in life.

    For many, home values are still too low and unemployment is still too high. Others have prospered despite the ups and downs. In Clark Howard's Living Large for the Long Haul, the renowned broadcaster examines our new paradigm through the eyes of those whose financial portfolios have beaten the odds, and those whose economic situation has gone off course. Through these fascinating personal accounts, listeners will uncover amazing opportunities and smart decisions, finding advantages in bleak times for lasting payoffs in the long run.

    Even after she worked her way out of nearly $30,000 of consumer debt, her old habits took hold again. When she realized that nothing she was doing or buying was making her happy—only keeping her from meeting her goals—she decided to set herself a challenge: she would not shop for an entire year.The Year of Less documents Cait’s life for twelve months during which she bought only consumables: groceries, toiletries, gas for her car. Along the way, she challenged herself to consume less of many other things besides shopping. She decluttered her apartment and got rid of 70 percent of her belongings; learned how to fix things rather than throw them away; researched the zero waste movement; and completed a television ban. At every stage, she learned that the less she consumed, the more fulfilled she felt.The challenge became a lifeline when, in the course of the year, Cait found herself in situations that turned her life upside down. In the face of hardship, she realized why she had always turned to shopping, alcohol, and food—and what it had cost her. Unable to reach for any of her usual vices, she changed habits she’d spent years perfecting and discovered what truly mattered to her.Blending Cait’s compelling story with inspiring insight and practical guidance, The Year of Less will leave you questioning what you’re holding on to in your own life—and, quite possibly, lead you to find your own path of less.

    Seven Years to Seven Figures will give you the tools to increase your income, get the highest possible returns on investments, save wisely--and secure your financial future faster than you may have ever dreamed.

    And yet, it is parents’ lack of self-awareness and confused priorities that are dangerously undermining children’s development.Through the author’s own original field research, including hundreds of rich, revealing conversations with children, parents, teachers, and coaches, a surprising picture emerges.Parents’ intense focus on their children’s happiness is turning many children into self-involved, fragile conformists.The suddenly widespread desire of parents to be closer to their children—a heartening trend in many ways—often undercuts kids’morality.Our fixation with being great parents—and our need for our children to reflect that greatness—can actually make them feel ashamed for failing to measure up. Finally, parents’ interactions with coaches and teachers—and coaches’ and teachers’ interactions with children—are critical arenas for nurturing, or eroding, children’s moral lives.Weissbourd’s ultimately compassionate message—based on compelling new research—is that the intense, crisis-filled, and profoundly joyous process of raising a child can be a powerful force for our own moral development.

    She had never before considered making her own peanut butter and pita bread, let alone curing her own prosciutto or raising turkeys. And though it sounded logical that "doing it yourself" would cost less, she had her doubts. So Reese began a series of kitchen-related experiments, taking into account the competing demands of everyday contemporary American family life as she answers some timely questions: When is homemade better? Cheaper? Are backyard eggs a more ethical choice than store-bought? Will grinding and stuffing your own sausage ruin your week? Is it possible to make an edible maraschino cherry? Some of Reese's discoveries will surprise you: Although you should make your hot dog buns, guacamole, and yogurt, you should probably buy your hamburger buns, potato chips, and rice pudding. Tired? Buy your mayonnaise. Inspired? Make it. With its fresh voice and delightful humor, Make the Bread, Buy the Butter gives 120 recipes with eminently practical yet deliciously fun "Make or buy" recommendations. Reese is relentlessly entertaining as she relates her food and animal husbandry adventures, which amuse and perplex as well as nourish and sustain her family. Her tales include living with a backyard full of cheerful chickens, muttering ducks, and adorable baby goats; countertops laden with lacto-fermenting pickles; and closets full of mellowing cheeses. Here's the full picture of what is involved in a truly homemade life -- with the good news that you shouldn't try to make everything yourself -- and how to get the most out of your time in the kitchen.

    Forget complicated, abstract philosophy—people need sound financial advice that's easy to follow and can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios in order to get an instant picture of their savings status and overall financial health, as well as a roadmap for the important choices they must make in the future. Here’s what you will find in this book:IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.

    Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like:How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope).How to buy a superior education on the cheap and graduate debt-free.Why it’s smarter to cash out your IRA to pay off your mortgage.Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket.    Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.

    Such background knowledge will help you understand why couponing works for not only couponers but also the stores that accept them. You'll feel confident going into the store for your first real deal because of the well-rounded knowledge, couponing advice as well as the online coupon tips you will receive from Couponing for the Beginner: A Guide to Couponing for the Uninitiated. The sensible approach in Couponing for the Beginner: A Guide to Couponing for the Uninitiated will help you shop for free for some of your favorite items at some of your favorite stores like CVS, Rite Aid, Target, and Walgreens. You'll also learn how to find the best savings on items you use every day in your home - learn how to combine them with store sales and promotions, store rewards/loyalty programs, rebates and more.All you have to do is follow Dean's step-by-step guide that teaches you how to get stuff for free and you'll be shopping for free in no time. In fact, you'll be wondering why you didn't shop like this sooner!

    Coupon as he takes you on a journey that can save you thousands annually and set your family on a path to financial freedom. Nathan Engels, Mr. Coupon, is no stranger to debt. The realization that something drastic needed to be done to change the trajectory of his life led to his discovery and passion for couponing.The biggest "A Ha!" moment of your life will be after reading this book. If you are a skeptic, you will learn the true powers of a piece of paper. With basic couponing techniques, a little Grocery Psychology and a sound methodology, you too can confidently go shopping with coupons in hand and the knowledge that you are saving more than ever before.Mr. Coupon started with over $80,000 in debt, not including the mortgage! Even in a struggling economy, coupons helped Nathan to control his grocery bill and start saving. Today, Nathan and his family are nearly debt free.Are you ready to take flight? Then let's begin, it all starts here!

    With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted. Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.