Despite a well-paying job, the author had managed to spend everything he had earned in the five years after college. The meeting with the mortgage officer was his financial epiphany. He finally got serious about managing and investing his money. Now in his early 50s, the author is debt free, owns a house free and clear, and has built a retirement portfolio that will comfortably sustain him and his wife in the coming years. This book will help people avoid the financial mistakes the author made the first few years after college.In a breezy, humorous, and conversational style, it describes a common-sense approach to spending, saving, investing, and managing your money to build wealth over time. If you are looking to get a grip on managing your money, From Ramen to Riches is for you! Silver medal winner in the 2011 Living Now Book Awards. Finalist in the 2011 Next Generation Indie Book Awards.

    Radical Frugality tells the story of 5 people who did it: Paul, 27, discovering how to overcome student loan debt; David and Winona, late 40's, living their retirement dream today; and Dan and Charlotte, family of 4, with an underwater mortgage. Waking up every morning debt-free with cash in your pocket helps your brain feel safe, secure, and smart. Embracing the concepts in this book frees you from the overwhelming anxiety of the consumer lifestyle by showing you how to take control. You can start today. What if you could spend 66% less money than you spend today setting yourself up to live a self-determined lifestyle doing exactly what you love to do regardless of financial compensation? Radical Frugality shows you exactly how to achieve those goals within one to five years. Using our step-by-step common sense plan, we teach you what to do (break the spell of the consumer credit con), when to do it (planning and preparation), and most importantly where to do it (discover the 5 top cities for living frugally). We'll help you evaluate your financial situation. Are you in the Yellow Zone, the Orange Zone, the Red Zone, or even the Dead Zone (paying debt with debt)? This book lays out a plan for how to pay off your debt and get into the Neutral Zone (getting back to monthly break-even), the Green Zone (debt free with $1,000 a month free cash-flow) or even the Golden Zone (living a self-determined life). Whether you are desperate right now about your financial situation, facing retirement, just starting out, or just plain tired and worn-out from struggling to pay bills, Radical Frugality can show you over 100 tips for feeling better today. Radical Frugality offers a soup to nuts plan for living a self-determined life that will leave you happier and healthier than ever before. CHAPTER ONE: IT'S NOT ABOUT WHAT YOU EARN—IT'S ABOUT WHAT YOU SPEND. HOW TO TAKE CONTROL CHAPTER TWO: THE CONSUMER CREDIT CON. HOW MARKETERS PLAY TRICKS ON YOUR BRAIN CHAPTER THREE: WHY FRUGALITY? GETTING STRAIGHT ABOUT WHY YOU'RE ON THE PLANET CHAPTER FOUR: WHO ARE YOU TODAY? EVALUATE YOUR SPENDING PROFILE CHAPTER FIVE: HOW TO DO IT. YOUR STEP BY STEP PLAN TO GAIN CONTROL CHAPTER SIX: GOING GREEN AND NEVER LOOKING BACK. THIS IS YOUR BRAIN ON CASH CHAPTER SEVEN: WHEN WILL YOU BE READY? LEARNING TO ASK THE RIGHT QUESTIONS CHAPTER EIGHT: LIVING THE DREAM. WHERE YOU LIVE DETERMINES HOW YOU LIVE

     Getting out of debt might seem overwhelming, but it doesn’t have to be—no matter how much you owe. Laura has come up with a 10-step plan to guide you through the smart moves you need to get rid of your debt for good. She’ll first help you assess your own financial situation so you can create a doable, realistic plan. You’ll then learn which debts to pay down first, and you will get tips on negotiating with creditors and paying off bills faster. Because staying out of debt is just as important as getting out in the first place, Laura also tells you how to boost your credit score, cut costs, and save money, which will ensure you have a debt-free and happier future. This special e-book edition also includes a preview of Laura Adams new book, Money Girl’s Smart Moves to Grow Rich. Managing debt wisely is only one component of a healthy financial life. In Money Girl’s Smart Moves to Grow Rich, Laura Adams covers the whole enchilada, including investing, buying real estate, reducing taxes, and all the other things you’ll need to know once you have your debt under control and are ready to start putting your money to work.  Early reviews are already praising the book as one that will enable you to “create a richer life – both financially and emotionally.” (Publisher’s Weekly)

    It not only dictates whether you get credit: it can dictate how much you'll pay for it. What's more, it's being used by insurers, employers, and others who can determine your financial future. A bad score can cost you tens of thousands of dollars in higher interest costs, bigger insurance premiums, and missed employment opportunities. Now, MSNBC/L.A. Times personal finance journalist Liz Pulliam Weston rips away the mystery surrounding credit scoring and tells you exactly what you need to do to build, rebuild, and maintain your good credit in the second edition of Your Credit Score.

    Green Smoothies are a mix of greens, vegetables and flavorful fruits making you feel amazing and helping to:Lose WeightDetoxify the BodyIncrease EnergyFight Heart DiseasePrevent Diabetes, Depression and Certain CancersBoost the Immune SystemImprove Skin and HairThese delicious Green Smoothie recipes will help you lose weight, have increased energy, and improve your overall health!

    then this new 30 page 'to the point' book by Amazon best-selling author Ian Stables will show you how. It makes house cleaning, without scrubbing, possible.Unlike most books about house cleaning tips, this one isn't just filled with lots of similar.This is based on a method first developed years ago whilst working in a small hotel belonging to the author's, now late, father. With guests coming and going, cleaning had to be done quickly. His father used to be amazed how his son was able to clean a room, top to bottom, in just 5 minutes. It was because he had a method.The method is the result of developing a common sense way of cleaning.Cleaning your home is a lot faster and easier if you have a method that works. That's what this is. It gives you a simple method of cleaning your house in a much more efficient way. It makes cleaning and organizing rooms like your kitchen, bathroom, bedrooms and living room very easy.It also gives you a simple 15 minute system that will effectively de-clutter and organize your home. This system is easy and gives permanent rather than temporary results.The Easy Way To Clean: How to clean your house using a three times faster methodYou'll be able to...Know what you're doing and do it a lot fasterYou'll find out why having a plan makes it so much faster and easier. You get to know what this simple plan is.Tidy up a room in minutesUsing a simple step-by-step method you can easily tidy a room in just minutes.Clean rooms three times faster without scrubbingThis uses common sense and a simple plan. It makes everything easy and gets rid of the need for scrubbing. Unless absolutely necessary.Dust an entire room in just minutesForget spraying, polishing and buffing. You may not realize it, but traditional polishing can spoil the look of your furniture over time.Vacuum with minimum effortVacuuming often results in aches and pains and can take a lot of effort. Not any more. This method removes all that effort and makes it almost effortless.Clean glass without streaks in minutesThis doesn't involve vinegar or any traditional cleaning products. My ex-girlfriend used to always get me to do her glass because of the results I got. This method cleans glass in just minutes. No streaks.How to clean the entire house in one goA plan that cleans the entire house in one go using the methods you learn.Organize and de-clutter your home in just 15 minutes a dayForget about trying to spend a whole day organizing a room or the shed. That doesn't work. It only gives temporary results and takes a lot of hard work. Instead, follow a simple 15 minute daily plan.Sort and organize any area fastEasily sort and organize anything including cupboards, drawers, wardrobes, etc.Always keep things tidyThis simple method will allow you to keep in control. I used to have the kitchen looking like nothing had happened. The only things visible was the pans on the cooker cooking Sunday dinner.Start making it easy on yourself and learn this method today.

    With the aid of store-bought mixes and seasoning packets sensational meals home-cooked meals can be made with a minimum of kitchen prep time and effort.Recipes Include: Italian Sausage Bread Light 'n' Crispy Waffles Black Forest Cake Chicken 'n' Biscuits Creole Shrimp & Rice Puffed Pizza Casserole Dreamy Creamy Peanut Butter Pie Buttery Almond Green Beans Easy Spanish Rice Ranch Pretzels

    Everything from how to make homemade hairspray and gels to how to ditch the shampoo and grow magnificently manageable hair that you'll finally love!

    Get: * Debt reduction tips that you'll never learn from VISA. * Real estate solutions the bank will never offer. * Wall Street secrets your broker never tells you. * Energy saving tips worth thousands of dollars each year off of your bills As TD AMERITRADE chairman Joe Moglia says, "College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble." Stop making everybody else rich and start scoring assets, gains and savings for yourself.

    Everyone leads such busy lives, and gifts from your kitchen are thoughtful and much appreciated tokens of affection for family, friends and co-workers. This 150 holiday recipe collection includes strategies to make your preparations easier, as well as tips to make your finished products tastier and more attractive. We also include loads of unique ideas to package your creations for gifts that are memorable and maybe even photo worthy. Holiday Recipes not only has 150 recipes for your holiday table, but has all kinds of ideas for gifts from your kitchen, including an internet address for free printables – Christmas cookie pouches, bag toppers and hang tags for your baked goods. Give your homemade gifts in style this year.

    I hope it helps you too!

    With tips that include how to save money in almost any area of your home, how to cut back on entertainment costs without giving up fun, and how to incorporate your entire family into the process, The Frugal Life offers advice that will work for busy moms or anyone trying to save money for the future.Michelle Stewart goes beyond tips about saving a few cents with coupons or cutting back on unnecessary spending. Through real-life illustrations, she looks at the reasons people spend too much money and outlines some steps for changing the way you think about finances. Anyone can save money, pay down debt, and live a more peaceful life; they just need to be willing to make some basic changes in how they deal with money.

    Homemade Health is a collection of home remedies straight from a time, not so long ago, when people went to their garden or kitchen pantry before going to a doctor.Some tried and true, some quirky, but all based on natural remedies your grandmother knew and most likely used on a regular basis.• Healing properties of common culinary herbs • 43 common ailments • 160+ remedies with recipes • Common & botanical names • Harvesting & preserving • Making herbal remedies at home

    . . whoever they are?Meet Steve and Annette Ecomomides. They've been called cheapskates, thriftaholics, and tightwads, but in these tough times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America's Cheapest Family Gets You Right on the Money, they show you how they did it - and how you can do it too.√ hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care√ how to save in advance for major purchases such as homes, cars, and vacations√ how to stop living paycheck to paycheck√ how to eliminate debt...forever!America's Cheapest Family Gets You Right on the Money puts meeting your financial goals - and living well at the same time - in reach for every family.