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.

    If you want to get in on the action, this book shows you how.  Cryptocurrency Investing For Dummies offers trusted guidance on how to make money trading and investing in the top 200 digital currencies, no matter what the market sentiment. You'll find out how to navigate the new digital finance landscape and choose the right cryptocurrency for different situations with the help of real-world examples that show you how to maximize your cryptocurrency wallet. Understand how the cryptocurrency market works Find best practices for choosing the right cryptocurrency Explore new financial opportunities Choose the right platforms to make the best investments This book explores the hot topics and market moving events affecting cryptocurrency prices and shows you how to develop the smartest investment strategies based on your unique risk tolerance.

    A job-free life is possible, and you have options about how to achieve it. This book provides real-world examples of people who have successfully quit the rat race using four different strategies: extreme saving, unjobbing, lifestyle businesses, and startups. Whether you want to achieve financial independence and retire early, or simply never work for anyone else again, this book provides an essential guide to the different lifestyle-design strategies open to you. An inspiring and concise introduction to job freedom and financial independence, by someone who has achieved both.

    Previous budgeting methods haven't worked because they weren't designed by you or for you. Love's original strategies will help you define your goals and achieve them on your own terms. You will learn foundational practices such as:- How to harness your emotions to make authentic money decisions, instead of letting your emotions control you - How to create a budget based on what you need to spend, not what you think you should be spending - How to create a motivating debt pay-off plan that fits your life, not a plan that's too strict to succeedLove knows this better than anyone because she's lived it. Only a few years ago, she struggled to pay her $77,000 dollar debts down while making $24,000 per year as a single mom. Every financial plan she tried failed, so she made one that prioritized her family and her sanity. Today, she's living debt-free in her dream home, which she paid for in cash, and spends stress-free time with her son every day.Love has motivated millions of women to get in control of their financial futures. Her revolutionary yet practical and accessible approach will unlock the secrets of financial fulfillment so you never have to sweat living your best life ever again.

    A humble Indiana farm boy, Ernie built one of the most successful medical mission facilities in the world. Ernie's influence, however, went beyond tending to physical needs. Not content merely to heal bodies, Ernie sought to change lives as well through the ministry of the Gospel. Through the story of Ernie Steury, readers will be inspired to follow his example as dedicated servants of a loving, living God who is anxious to show the world what great things He can accomplish with an individual totally committed to Him.

    While no two are identical, Brandel Chamblee, the highly regarded television analyst and former PGA Tour professional, once noticed that the best players of all time have shared similar positions in each part of the swing, from the grip and setup to the footwork, backswing, and follow-through. Since then, Chamblee, a student of the game’s history, has used scientific precision and thoroughness to make a study of the common swing positions of the greats. Now, in The Anatomy of Greatness, he shares what he has learned, offering hundreds of photographs as proof, to show us how we can easily incorporate his findings into our own swings to hit the ball farther, straighter, and more consistently. What does it tell us that the majority of the greats—from Jack Nicklaus and Byron Nelson to modern masters like Tiger Woods—employ a “strong” grip on the club? How did legends like Ben Hogan, Sam Snead, Mickey Wright, and Gary Player unlock hidden power and control by turning in the right knee at address? Why are some modern teachers preaching quiet footwork when forty-eight of the top fifty golfers of all time lifted their left heels on the backswing, allowing them to build power? At the same time that Chamblee is encouraging certain swing virtues, he also debunks a number of popular—but misguided—swing philosophies that have been hindering golfers for years. The result is perhaps the best and clearest explanation of how to hit a golf ball ever published. Golfers can take The Anatomy of Greatness to the driving range and use Chamblee’s clear explanations to build better swings—and get more speed and consistency into their swings—immediately. This book is like having a series of private lessons from the best golfers of all time, and it will help golfers build swings that make the game easier and more fun.

    They raise direct questions regarding the source of thought, the essence of our being and are as relevant today as they were 2000 years ago.The Isavasya proclaims the all-pervasiveness of this totality of consciousness which is here called Isha, the Lord, and urges one to let go the narrow and self-centered identity we are caught up in and rejoice in the flow of the infinite wholeness of Life.The word Kena means Who. This Upanishad concerns itself with the question of ones ID. Is there a separate I or is it merely a term used to describe the totality of cognizance. Is there an I beyond the limited, self-centered ID?The Mandukya examines the same idea but in a different way, exploring the states of consciousness all human beings experience namely, the waking state, the dream state and the deep sleep state, and postulates that there is a common experiencer in all these states, a witness, not affected by the states and which is the totality of consciousness called Turiya represented by the Pranava, OM.PrefaceThe Upanishads represent the high watermark not only of Hindu Philosophy but of spiritual literature anywhere in the world. These marvellous discourses and dialogues between self-realized seers, known as Rishis, and one or more disciples, contain powerful and eloquent statements regarding the ultimate reality in its multifarious facets. They have been well described as providing an ‘ecstatic slide show of reality, a privileged glimpse of the unitive vision in which all thing are one in a world aflame with God’. They contain some of the most eloquent passages such as – ‘I have seen that Great Being shining like a thousand suns beyond the darkness; it is only by knowing that being that we can achieve immortality’ and again, ‘Hear O children of immortal bliss, you are born to be united with the Divine; follow the path of the illumined ones and be united with the Supreme Being’.The universal truths articulated in the Upanishads have formed the basis for numerous commentaries down through the centuries, beginning with the luminous insights of Adi Shankaracharya. In our own times Sri Aurobindo, Sri Krishnaprem, Dr Radhakrishnan, Swami Ranganathananda, Eknath Ishwaran and other great seers and sages have produced commentaries and interpretations on various Upanishads. The Upanishads are enduring and unfailing sources of inspiration, and their impact grows with each successive reading. One of my favourites is the Mundaka which I have translated and upon which I have attempted a short commentary.The author of this book, Sri Mumtaz Ali, popularly known as ‘M’, has spoken extensively upon the Upanishads, based on his personal experience. The fact that a person born a Muslim should have such a deep insight into the Hindu tradition proves once again that the spiritual path accepts no boundaries. The three Upanishads upon which M has commented are among the most important – the Ishavasya, which is always given pride of place in any list of Upanishads, the Mandukya which expounds the deeper symbolism of the sacred symbol Aum, and the Kena where we have the marvellous allegory of the Devas who thought they had won a victory, whereas actually it was the victory of the divine Brahman. In this Upanishad we come across Shiva and Yaksha, whose identity the Devas are unable to comprehend, and are also introduced to Uma, Haimavati, the many splendoured daughter of the Himalayas, who appears as the mediator between the Devas and the Supreme Brahman.In these talks M has expounded in a clear and cogent fashion various aspects of these three great texts. I have pleasure in commending this book to spiritual seekers and students of Hinduism around the world.

    Now, award-winning Tribune Company personal finance columnist Gregory Karp shows how to do just that. This book isn't about depriving yourself: you don't have to become a financial anorexic, and you won't have to start dumpster diving! Instead, Gregory Karp shows how to build real, long-lasting wealth by plugging the money leaks you're barely even aware of, and making sure you spend with a purpose. Drawing on everything he's learned writing his prize-winning weekly column, Karp reveals surprisingly painless, little-known techniques for eliminating wasteful spending in every area of your financial life. Karp shows how to spend on what you really care about, not what you don't... understand the real value of comparison shopping...save money in giving gifts without becoming a cheapskate. Karp shows how to slash your phone bill... spend less on food without changing what you like to eat... eliminate spending leaks in insurance, education, entertainment and beyond. From the clothes you wear to the cars you drive, Living Rich by Spending Smart will help you build a life that's truly rich, because it's truly financially secure.

    Children are hyper-aware of money, and they have scores of questions about its nuances. But when parents shy away from the topic, they lose a tremendous opportunity—not just to model the basic financial behaviors that are increasingly important for young adults but also to imprint lessons about what the family truly values.Written in a warm, accessible voice, grounded in real-world experience and stories from families with a range of incomes, The Opposite of Spoiled is both a practical guidebook and a values-based philosophy. The foundation of the book is a detailed blueprint for the best ways to handle the basics: the tooth fairy, allowance, chores, charity, saving, birthdays, holidays, cell phones, checking accounts, clothing, cars, part-time jobs, and college tuition. It identifies a set of traits and virtues that embody the opposite of spoiled, and shares how to embrace the topic of money to help parents raise kids who are more generous and less materialistic.But The Opposite of Spoiled is also a promise to our kids that we will make them better with money than we are. It is for all of the parents who know that honest conversations about money with their curious children can help them become more patient and prudent, but who don’t know how and when to start.

    He took to crime almost immediately, starting with petty theft before graduating to robbing drug dealers. Eventually a man nicknamed "DaVinci" taught him the centuries-old art of counterfeiting. After a stint in jail, Williams emerged to discover that the Treasury Department had issued the most secure hundred-dollar bill ever created: the 1996 New Note. Williams spent months trying to defeat various security features before arriving at a bill so perfect that even law enforcement had difficulty distinguishing it from the real thing. Williams went on to print millions in counterfeit bills, selling them to criminal organizations and using them to fund cross-country spending sprees. Still unsatisfied, he went off in search of his long-lost father, setting in motion a chain of betrayals that would be his undoing. In The Art of Making Money, journalist Jason Kersten details how Williams painstakingly defeated the anti-forging features of the New Note, how Williams and his partner-in-crime wife converted fake bills into legitimate tender at shopping malls all over America, and how they stayed one step ahead of the Secret Service until trusting the wrong person brought them all down.

    Imagine a marriage rooted in faith, friendship and mutual fulfillment. Imagine a marriage with amazing sex, but where great sex is only the icing on the cake. This might all sound too good to be true, but it's actually what God designed marriage to be, and He doesn't want you settling for anything less. Having a "Naked Marriage' is about much more than just nakedness in the bedroom (although that's part of the fun). It means being naked emotionally and spiritually as well as physically. It also means undressing all the misconceptions our culture has used to cover God's original, beautiful design for marriage and rediscovering all marriage can be. You and your spouse can have a thriving, Naked Marriage with a lifetime of love and laughter together. This book will show you how. About the Authors: Dave and Ashley Willis have become some of America's most trusted teachers on marriage. Their books, blogs, videos and speaking events reach millions of couples worldwide. They are part of the team at XO Marriage and MarriageToday, which is the largest marriage-focused ministry in the USA. Dave and Ashley have four young sons and live near Dallas, TX.

    So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' … or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette … and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire … with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next.

    . . when we’re old. How arse-about is that?But there is an alternative to working your butt off for decades and retiring when you’re worn out: it’s called financial independence, and it means being able to cover life’s essentials and afford the luxuries you want without having to turn up to a job each day.Imagine: the freedom and flexibility to work if, when and where you like, go travelling, spend time with family or start that business you’ve been dreaming of. And with enough time and a way to earn, it’s achievable for most people through the power of passive income.Lacey Filipich knows because she’s done it herself – and has been teaching the strategies and steps for financial independence for a decade through her education company, Money School. Now, she’ll teach you all her tried-and-true lessons for redesigning your personal finances to create the life you really want.From maximising your income and cutting costs without big sacrifice, to property, shares and retirement funds, Money School explains exactly how to build a passive income that will completely change your life.Take control of how you spend your time and money to make them work for you – and get on the fast track to being financially independent and time rich.

    Your views – and actions – with money will be much improved after reading the wonderful advice in LOADED."- James Grubman, PhD. Author of Strangers in Paradise: How Families Adapt to Wealth Across Generations and co-author of Cross Cultures: How Global Families Negotiate Change Across GenerationsDeeply researched, yet written in an approachable, conversational tone, this book offers insight into how the reader's personal experiences have shaped their financial attitudes, and how they can have a healthier relationship with their own money. The book first examines the roots and consequences of core money beliefs and then presents a practical budgeting method that blends economics with psychology to create a healthy and sustainable money management method. Worksheets and personal money psychology assessments supplement the text.

    But then life gets in the way. As we juggle the commitments and responsibilities in our busy lives, good money habits can quickly fade away.Canna Campbell is an experienced financial planner, and also a mother, partner and entrepreneur. She understands the challenge of trying to maintain balance and motivation when you’re time-poor, and she’s used this experience to develop an inspirational and effective approach to personal finance management. She shows you how to look at your finances with holistic and powerful mindfulness, easily incorporating her step-by-step advice into your daily habits and routines. From new banking rituals and money mindsets to growing passive income through shares and property, she will help you shed the excess and embrace what you really love, value, use and appreciate – including your necessary luxuries. Canna leads by example, sharing her personal tips and tricks for building, managing and protecting your money. No matter what you earn or what level of knowledge you have, Mindful Money will help you to see that financial independence is achievable.‘Canna Campbell offers a glamorous vision of a life of minimalism and saving … Not spending feels more like a creative challenge connected to a sense of purpose, rather than deprivation.’ New York Times