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.

    What do an Italian cardinal, a Connecticut blacksmith, and a German diplomat have in common with an MIT linguist, a Hungarian translator, and a Scottish church organist? They were all "hyperpolyglots," "language superlearners," or "massive multilinguals." In Babel No More, Michael Erard delves into the lives and minds of these intriguing individuals both past and present and discovers the upper limit of the human ability to learn, speak, and remember languages. Hyperpolyglots - people who, by one definition, can use six or more languages - are fascinating not simply because what they do is out of the ordinary. Rather, their accomplishments serve as a point of reference for the rest of us; in some ways they are what the author calls a gifted neural tribe, absorbing language for reasons, and with methods, that few people would emulate. But they are also marked by simple, if dogged, methods: the most prolific multilingual in history, Cardinal Mezzofanti, used flashcards. Taken together, their pursuits present a natural experiment into the limits and the nature of memory and language. Part scientific detective story, part travelogue, part valentine to anyone who's ever hoped to sprechen or parler something other than a mother tongue, Babel No More takes us all over the world to look at language learning in an entirely new way.

    Maybe you learned Spanish verb conjugations and lists of vocabulary, but you still can't speak the language.The Accelerated Spanish system is completely different: You can learn fluent Spanish with a step-by-step system that begins with the fundamentals of the Spanish language, moving from there into actual conversational fluency.This first volume will teach you to think like a Spanish speaker and give you the vocabulary that makes up 50% of the Spanish language.

    

    It aims to help you to take the plunge to realize your potential, so that you do not have to remain stuck in a social and lifestyle rut as if there is no alternative.

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