And if you've already started to simplify, it will give you new insights and ideas for what to do next on your journey to a more balanced, peaceful life.In these pages, you'll discover how simplifying your life will:Give you more time to play and relaxMake you more productive at workUnleash your creativity and open up new possiblitiesFree up time for you to face the challenges you've been avoidingScale down. Enjoy More.

    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.

    It's Not About Being Cheap.  Living the Savvy Life isn't about being a cheapskate, a miser or a tightwad.  It's about having security and peace of mind by spending less than you make.  It's about knowing where you stand financially on a daily basis so you can make intelligent fiscal decisions.  It's about being penny-wise on the things that are less important to you so you can spend money on the things that are important to you.  It's about choosing to purchase only the things that you love and make you happy.  It's about cooking at home more often so you can occasionally splurge on dinner at your favorite restaurant.  It's about creating an environment in your home that is warm, comforting, and expressive of  who you are.  It's about having a wardrobe made entirely of clothes that fit and look great on you.  It's about enjoying your time off even more because you planned for it and know you can “afford it.”  Although Living the Savvy Life is filled with ways to save money, it isn't about frugal living.  It's about finding, attaining and maintaining balance.  Are you ready to start Living the Savvy Life?

    Between choosing your real estate agent and lender, picking the right neighborhood, and finally, choosing the house itself, you're suddenly making more decisions than you ever thought possible. All this while trying to keep a level head for what may be the biggest purchase of your life! Speaking of big purchases—buying a house isn’t always a good investment. Your home can either be a destroyer of wealth and freedom or a generator of the same. This book will show you not only how to afford your first home, but also how to make a decision that gives you the most financial flexibility possible. Scott Trench and Mindy Jensen of the BiggerPockets Money Podcast have been buying and selling houses for a collective thirty years. In First-Time Home Buyer, they’ll give you a comprehensive overview of the home-buying process so you can consider all of your options and avoid pitfalls while jumping into the big, bad role of homeowner.

    Millions of Americans today are near financial disaster-spending more money than they are bringing in, and losing control of their money. Lauren Greutman knows how that feels. For years, she struggled with too many bills to pay and not enough money to pay them. When Lauren found herself drowning in debt, she finally faced her extreme spending habits and took action.In The Recovering Splender, Lauren shares her story and offers advice that is based on the many strategies she developed to change her own life and bring her family budget back to black. Lauren shows her readers, step-by-step, how to get rid of bad money habits, pay down debt, and stay within a budget.Some of the action chapters in the book are:Take an Inventory of Your SpendingDeclutter Your FinancesDo an Expense AuditCurb Your Spending and Define Your ValuesLauren exchanged the overrated, stressed-out American dream for a new one-a happier life filled with family, friends, and financial freedom-and now you can do the same!

    A lifelong entrepreneur who is now the hugely popular host of a talk radio program and television show and the bestselling author of several books, Clark consistently delivers expert financial advice to his wide and devoted fan base.Living Large in Lean Times is Clark's ultimate guide to saving money, covering everything from cell phones to student loans, coupon websites to mortgages, investing to electric bills, and beyond. In his candid and friendly next-door-neighbor manner, Clark shares the small, manageable steps everyone can follow to build a path towards independence and wealth. Chock-full of more than 250 invaluable tips, the book outlines how to:Locate missing and unclaimed money in your name Lower your student loan payment Find legitimate work-at-home opportunities Get unlimited texting and e-mailing for less than $10 per month Know what personal info not to post to social media sites Determine the best mortgage rate, and much, much moreAs Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.

    For three years Deepak travelled to the distant corners of the world, found a growing global movement and interviewed hundreds of inspiring people. From the founder of LatestFreeStuff.co.uk, the UK's largest freebie website, learn how to turn your life around, reach your goals and make any part of it free. Packed full of tips, action lists and resources, How To Live For Free will make the biggest change to your life, more than any other book.As featured in The Sunday Telegraph, Daily Mirror, Forbes Magazine, The Sun and more...#1 Amazon Bestseller in Business and Finance#1 Amazon Bestseller in Personal Finance#1 Amazon Bestseller in Health and Fitness IN THIS BOOK YOU'LL DISCOVER... - How to attend free restaurant tastings- How to get free clothes and beauty treatments- How to attend free restaurant tastings- How to get free clothes and beauty treatments- How to get free clothes and beauty treatments- How to receive freebies from brands- How to forage and cook wild game- The man who lived in luxury flats for two years free of charge- The man who built his own island- How to upcycle furniture- How to sail a yacht and travel the world- The ultimate hitchhiker's guide- The best free living apps- The ultimate hitchhiker's guide- The best free living apps- How to get free cinema, theatre and festival tickets- How Deepak gets a free private driver everywhere he goes- How to upgrade your wardrobe for free- How to learn any skill, get free books and master your goals- And much, much more. REVIEWS Despite thinking I was someone who never misses an opportunity for a bargain I was shocked by how many things I didn’t know. Deepak Tailor really knows the ins and outs of living for free - it felt like I highlighted most of the book to come back to later and try out. The suggestions in travel alone had me daydreaming about some adventures I should be going on and now potentially could be going on! Throughly recommend this book and giving some of the ideas a go.- by Nick M"I am an avid follower of Deepak's web site and some of the other people he recommends in the book. The book is great for a beginner in the art of saving money and pulls all the various aspects of this together."- by Andrea HemThis is an excellent introduction to the world of free living with something for everyone. It really opened my eyes to the possibilities and the resources provided in the book (websites etc) are great references. After reading this i'm a free living convert!- by Steve Price DOWNLOAD the book for FREE today!

    talks with some of the most revered voices in the nation, including Warren Buffett; former Treasury Secretaries Paul O'Neill and Robert Rubin; and Pete Peterson, CEO of The Blackstone Group. Defiantly non-partisan, the empowering solutions outlined in these pages are a must-read for any American concerned about the current state of affairs.

    But if we’re being honest, when it comes to gardening, most of us have no idea where to begin. Additionally, in these economic times, who can afford to hire an expert to come in and do the job for us? That said, regular folks all across North America and Europe are returning to the soil, shovels in hand. With the help of this book, there is absolutely no need to fly blind into the world of green thumbs, perennials, and herbs.The name—Garden Guide: A No Nonsense, No PhD Guide to Great Gardens with Hand-Holding How To’s for Beginners and Straightforward Instruction for Advanced Gardeners—truly says it all. Indeed, this book is the hand-holding garden guide that will walk even the most timid novice right through the gardening process from beginning to end. In addition to straight forward, practical advice in everyday language, you will love the stories and anecdotes Olver shares from her fifteen years of backyard, organic gardening adventures. Easy and entertaining, you‘ll probably read this book in one sitting, but you’ll reference it for years to come. The beauty of Garden Guide is that Olver divides her advice into two sections: Beginning Gardeners and Advanced Gardeners. No matter what your skill level, there are simple explanations, tips, and tricks that will walk you through every aspect of the garden process. Garden Guide features details such as:•Everything you need to know about location, from sunlight to drainage to selecting just the right spot•How to understand soil types, how to amend and condition them•pH levels and soil testing broken down in simple terms•Step by Step guide for planning your PERFECT garden no matter where the location•Fertilizing made manageable with explanations for all those numbers and organic alternatives •Composting broken down so you can start immediately•Pests obliterated with loads of organic suggestions•The basics of garden maintenance from deadheading to dividing perennials•Loads of helpful website suggestions for purchasing plants online, getting ideas, locating county extension offices, perennial databases and so much more.•Gardening terms are defined in language you will both understand and rememberIf you have time to read only one book on gardening, this is the book to choose. Short enough not to feel like an encyclopedia and just long enough to wet your gardening appetite, Olver has woven basic garden science and practical ideas for everyday people into each page. With her warm, inviting, no-nonsense instruction, you will be amazed how simple and doable gardening really is. Not only will it thoroughly educate you in basic gardening, Garden Guide will send you well on your way toward beautiful perennials gardens and leave you inspired and hungry to begin planting in your own patch of earth.

    The trick is figuring out what among these objects is treasure and what's trash. That's where Earl Proulx and the editors of Yankee magazine can help.Drawing on their own creative ideas--and those of ingenious Yankees all over New England--they've come up with more than 1,000 clever ways to put common household objects to uncommon and valuable uses. The result is a book that will benefit you in five clear ways.1. This book will empower you.Other people might be stymied when, say, Spot knocks a glass of grape juice on that elegant white rug. Not you. You'll be able to lift that stain yourself--without buying some expensive remover--just by applying a dab of shaving cream. Vinegar, Duct Tape, Milk Jugs, and More contains dozens of clever do-it-yourself ideas like this.2. This book will save you money.Need an attractive gift for a friend, a game to entertain the grandkids, a desk organizer for your home office? Forget the catalogs and stay away from the stores. As you'll see, you can make these items and dozens more in minutes from the leftover things around your house.3. This book will make your life easier.There's no need to stock a cabinetful of specialty cleansers. Vinegar, Duct Tape, Milk Jugs, and More will show you how to use common ingredients like salt, ketchup, baking soda, flour, yogurt, and, of course, vinegar to handle many of the cleaning tasks you encounter every day.4. This book will reduce the waste in your home.If you've ever regretted the amount of trash you throw out each week, here's the solution. This book will show you how to give a second life to everything from plastic containers to bubble wrap to panty house and more.5. This book will entertain you.Whether you settle on one of Earl's yarns, the story behind common objects like Post-It Notes and condensed milk, or the "My Way" tips from actual readers, you're bound to enjoy the fun side of this book.Vinegar, Duct Tape, Milk Jugs, and More provides no-fail ideas for every area of your home, and for many actitivites, from gardening to cooking, from travel to sports, and from crafts to games. Consider it your no-cost tool kit for all your needs around the home.Throw out a candle stub, some sour milk, that leftover bag of cat litter? Not on your life!You might think of these things as waste that's headed for the trash can, but there are hundreds of practical ways you can save money, time, and natural resources by reusing these and other common objects around your house. Follow Earl Proulx and the editors of Yankee magazine as they show you how to:Make a soothing facial mask from cat litterCover up furniture scratches with a dab of iodineTun an old teacup, a sandwich bag, and some sugar into an elegant pin cushionClean car grease off your hands with olive oilUnstick a window with the stub of an old candlestickClear a clogged showerhead with vinegarAnt-proof your home with lemon juiceMake an attractive country picture frame from an old six-pane windowEnd static cling with hair sprayStop foot blisters with duct tapeKeep bait worms fresh with coffee groundsMake an earring holder out of window screeningMore than 1,000 creative, fun, and ingenious tips

    Peter Bernstein has written a comprehensive history of man's efforts to understand risk and probability, beginning with early gamblers in ancient Greece, continuing through the 17th-century French mathematicians Pascal and Fermat and up to modern chaos theory. Along the way he demonstrates that understanding risk underlies everything from game theory to bridge-building to winemaking.

    Zip. Zero. Inside, he shows you how to get started and breaks day trading down by clearly explaining: -What computer equipment you'll need -How much money is required -The technical jargon of day trading -Key strategies you'll employ while trading -How you can manage risk Most important, Sincere lets you in on the biggest secret of all: how to master the mind game of day trading. Thousands of day traders have watched their bank accounts balloon thanks to Wall Street. Now you can get into the market and enter their coveted ranks.

    But how do you deal with expenses, debt, taxes, and retirement without getting overwhelmed? This book points the way. It's filled with the kind of practical guidance and sound insights that makes J.D. Roth's GetRichSlowly.org a critically acclaimed source of personal-finance advice.You won't find any get-rich-quick schemes here, just sensible advice for getting the most from your money. Even if you have perfect credit and no debt, you'll learn ways to make your rosy financial situation even better.Get the info you need to make sensible decisions on saving, spending, and investingLearn the best ways to set and achieve financial goalsSet up a realistic budget framework and learn how to track expensesDiscover proven methods to help you eliminate debtUnderstand how to use credit wiselyWin big by making smart decisions on your home and other big-ticket itemsLearn how to get the most from your investments by avoiding rash decisionsDecide how -- and how much -- to save for retirement

    Retirement: The Psychology of Reinvention uses psychological research and a unique visual style of infographics and illustrations to provide readers with a retirement roadmap just right for them.Fully illustrated, with constructive advice for all retirees - whatever the age and circumstances - and inspirational guidance from a wealth of sources, Retirement: The Psychology of Reinvention answers all the questions readers are likely to ask at any stage of retirement.Reviews:"For readers who want a well-researched field guide... this will be a valuable armchair resource, with its many points to consider and discuss." - Publishers Weekly"The book's big-picture perspective takes in all aspects of what goes into choosing what comes next, from work and money to values, interests, skills, talents and aspiration." - The Wall Street Journal"Presenting practical advice and research-based findings, this work provides readers with a dress rehearsal as they prepare for their next role in this play called life." - Library Journal

    Learn how to accelerate your financial independence:What you must know to retire soonerThe single most important factor for monitoring and achieving financial independenceThe potential retirement lifestyles, and how much they will cost youSecrets to controlling inflation in your lifestyleThe essential money tools for achieving financial independenceA quick introduction to safe, simple passive index investingHow soon you could actually retire: the critical relation between savings rate and working yearsA gold mine of proven tips for cutting expenses and spending lessThe 4 proven strategies for boosting income and building wealth