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.

     Jess Barker was not sad when her drunken husband lost his life. Sometimes she wonders if that makes her a bad person. Now, maybe she has the chance at something better. Offered a job by the one man who has every reason to hate her she sees a new life ahead of her. When Jess finds out she is pregnant, she is overjoyed and terrified. Can she build a life to save her baby? Will she ever find love? Find out in Holly - A Baby for Christmas a new sweet and wonderful romance from bestselling author Indiana Wake. Also available: 42 Christmas Brides and sweet kisses 40 Sweet Inspirational Romances Suki’s Heart Amanda’s Hope Jenny’s Wish Katie’s Courage Honey’s Grace Charlotte’s Wedding Cowboys and Brides 11 Romances The amazing Jamestown Brides series: Breaking the Chains of the Past Loves Hardest Choice Love for the Warrior’s Heart The Simple Matter of Love Her Real Wedding Open Your Heart to Love And many more bestsellers why not follow Indiana on Amazon

    James Carter in California, or give up her inheritance and live in poverty in her hometown. So soon, she is on train headed west, to a dusty little town in Arizona. Mabel is accustomed to a life of privilege and wealth, and is not all at happy with the weather-beaten farmhouse and lack of luxury. James Carter has made a fortune in the silver mines, but he prefers a simple life. A kind and intelligent man, he is known for his generous nature, and is loved by the town. But when James announces a Christmas party to help welcome Mabel to town, she is not pleased. What kind of party can they have out here, in the desert, with a group of strangers in the house? But the holiday spirit can find us, wherever we are. And sometimes, so can love.

    Window boxes overflow with evergreens and sea stars, as the sleepy town welcomes visitors for the annual Christmas Lights Festival.But things are not as perfect as they seem. On the eve of the tree lighting in the town square, police find a runaway in trouble. Residents of the community gather to help, but complications arise, and unraveling the boy's past is harder than they imagine. As a blustery Pacific Northwest Christmas draws near, can they find a way to give a boy with a shattered past a chance at happiness? Can they give him a home for the holidays?A Light in the Window is a heartwarming tale of community, family, and second chances.

    Get five feel-good, satisfying, and uplifting cowboy romances in this Christian holiday collection. You'll get lost in ranch life, with sexy and sweet cowboys, swoon-worthy, faith-filled romance, and the perfect love story to curl up with as you sip a cup of hot cocoa in front of the fireplace! Her Cowboy Billionaire Best Friend: A cowboy returning to his hometown—and the best friend he left a dozen years before. This Christmas, can they build a family and find their happily-ever-after? #1 bestseller in Clean & Wholesome Romance, #1 bestseller in Christian Romance, #1 bestseller in Christian Westerns Cheering the Cowboy: A cowboy with anger management issues, the woman whose ranch he "stole," and their chance to get everything they want for Christmas...including each other. Her Last Cowboy Christmas: She's tired of having her heart broken by cowboys. He waited too long to ask her out. Can Lance fix things quickly, or will Amber leave Last Chance Ranch before he can tell her how he feels? The Sleigh on Seventeenth Street: A cowboy with skills as an electrician tries a relationship with a down-on-her luck plumber. Can Dylan and Camila make water and electricity play nicely together this Christmas season? Falling for His Next-Door Neighbor: Two next-door neighbors vying for the same job this Christmas...who will win? And who will lose their heart?

    Longtime sports columnist Bryan Burwell has written the first comprehensive biography of this living legend, whose incredible football knowledge, down-home sensibilities, and tireless work ethic made him arguably the most popular sports analyst in any sport. As a coach, he has the highest winning percentage in history, and he led the Oakland Raiders to a 1979 Super Bowl Championship. He followed that up by becoming the most beloved and popular football announcer in the country, and in the third stage of his public life, the Hall of Fame coach became known to new generations of fans through his eponymous line of groundbreaking video games, which are among the bestselling titles of all time."

    As she grew up, she figured out how to make the picture look even better--with a successful husband, five beautiful children, and all the required accompanying accoutrements.Then along came social media, where those pictures of the perfect life grew her a following of women who believed that everything about Emily was blessed and inspiring.But behind the filtered façade was a reality filled with trauma, addiction, and dysfunctional behavior. From disordered eating to breaking the law and nearly destroying her marriage, Emily had been running from her own trauma for years. Living a life shot through with more self-destruction than she could track, Emily knew things had to change when she woke up one morning and realized that she was barely participating in the picture she had so carefully crafted.Highlight Real: Finding Honesty and Recovery Behind the Filtered Life is the true story of what happens when a so-called perfect mother and businesswoman is forced to find reckoning with her past and build a future based on the authenticity she has always sought.Searingly honest, heartbreaking and packed with uncountable did-she-actually-just-say-that moments, Highlight Real is a memoir of healing as well as a fully modern look at what happens when the filters fall off and real life emerges into the light.

    But when he finds out his nemesis has bought and paid for her to be his bride, he's determined to get her out of it. When they get caught in a chance encounter under the mistletoe, does it mean she's free for him to pursue her? Not if Silas has anything to say about the woman he considers to be his property, and he'll stop at nothing to get his way.

    Katy’s driving home for Christmas – except an empty, cold caravan hardly seems like home, and it’s not feeling much like Christmas. It wasn’t supposed to be like this: a few months ago she had her dream cottage, a loving fiance, and big plans for a perfect wedding. Now she’s in her car, travelling through the snow along dark, country lanes, heading towards a Christmas spent by herself, with nothing more to look forward to than a frozen turkey dinner and a box of Quality Street. With her friends busy with their guests, her parents on a cruise, and her ex-fiance miles away, the only person Katy is expecting to see at all is Luke, the builder who has been working hard to transform Katy’s cottage before it goes up for sale on the other side of Christmas. Arriving at last in the Holderness village of Weltringham, she’s disappointed to find both the cottage and the caravan in darkness, and Luke nowhere to be seen. It seems everyone in the world has abandoned her to her gloomy fate. Is she doomed to have the worst festive season ever, or is someone about to save Katy’s Christmas? After all, it is the time of miracles … Take a break from those Christmas preparations and curl up by the fire for a couple of hours with this seasonal cosy read.

    She is now out on license – and she isn’t Jo anymore. Given a new identity by the courts, and with a different appearance, a ready-made history and even a change of age, Jo can pretend to be anyone . . . ‘Cookie’ Mackenzie, is not only Ned Reid’s lover, but she also works for him. She supplies the girls – and boys ­– for Ned’s clients. There’s always some runaway kid who needs shelter. Lorni Duncan needs to keep running, always looking over her shoulder, especially with a young child in tow. But how will she survive? The refuges are full, and the last thing Lorni wants is the authorities getting involved. Drug addict Tabby Young sees everything, but no-one sees her. Everyone believes Tabby’s just a hopeless junkie . . . but is that really all she is?Everyone has something to hide and a lot to lose, but which of them did Jo become?

    

    FICTION: Poolside at their motel, the Fab Four fell into conversation with a snappy-dressing local named Bert the Shirt, who listened as the band worked out a harmony to the most beautiful song he’d ever heard--and wouldn’t hear again for over half a century. FACT: That night, the Beatles played an unannounced free concert in the motel bar. Everyone was welcome. Local musicians showed up with guitars and keyboards, and had the once-in-a-lifetime experience of jamming with the Beatles till 4 am. This legendary event has forever after been known to Key West locals as THE PARADISE GIG.FICTION: Next day, hung over and exhausted, the Beatles left for the airport, having somehow lost a stained and battered notebook that held a priceless stash of unrecorded songs. NOW CUT TO THE PRESENT: A beautiful woman is doing a yoga headstand on a Key West beach when she’s abducted by a pair of thugs. An aspiring young singer is offered a recording deal that seems a bit too good to be true. Bad things happen to a couple of one-hit wonders…And old Bert hears a new song that is hauntingly familiar, but that he can’t quite place.Could it possibly be the same song he’d heard at poolside so many years before? Could it be that all the present mayhem circles back through the decades to THE PARADISE GIG? Could the precious, even sacred, Beatles notebook possibly turn up after all these years? Could Bert be the hero who would rediscover that stash of unheard songs for music lovers everywhere—and save a young singer’s life in the process? With Nacho, his intrepid Chihuahua, at his side, and with no one but bumbling detective Pete Amsterdam for an ally, the undaunted Bert the Shirt sets out through the Florida haze to piece it all together, learning along the way how much the world has changed—and how much it has not. In equal parts suspenseful and nostalgic, funny and romantic, this time-bending caper celebrates the power of music and the many tricks of memory, the joys of youth and the comforts of age, and the free and funky spirit of Key West.

    

    Tis the season! A soldier home from war, struggling to find her path in life … a marketing executive who loves Christmas but has lost touch with the reason for the season … a big-hearted rancher who stands to suddenly lose everything important in his life … they all need Christmas. And Christmas they shall find! Or is it Christmas that finds them as the spirit catches hold and sorrow turns to joy when the snows begin to fall?  The Complete Christmas holiday tales Sweet Western Romance collection in one boxed set!This New edition has been completely re-edited, revised, and revamped! Country Christmas Romance Complete Series Book 1. Home for Christmas GiftBook 2. Unexpected GiftBook 3. Sweet GiftBook 4. Diamond are a girls best giftBook 5. Surprise Gift Read all the book By Bestselling authors Brenda Clemmons Christmas Romance In Willow Springs SeriesBook 1: New Christmas Gift BellsBook 2: New Christmas DreamsBook 3: New Christmas BlessingsBook 4: New Christmas GiftSnowy Mountain SeriesBook 1: Juliana’s JourneyBook 2: Building Bailey’sBook 3: Patricia’s PatientBook 4: Hannah’s HandymanBook 5: Freeman’s FarmBook 6: Writing RomanceBook 7: Wendy’s Wild LoveBook 8: Jesse’s JewelBook 9: Cassie’s CauseDevoted In Montana A Sweet Western Romance SeriesBook 1 – Finding LoveBook 2 – Cooking Up LoveBook 3 – On Fire For LoveBook 4 – Growing LoveBook 5 – God’s Patient LoveBook 6 – Selfless LoveBook 7 – Faith and LoveBook 8 – Dangerous LoveBook 9 – Enduring LoveBook 10 –Stone LoveBook 11 – Inspired LoveBook 12 – Forgiveness Love Cartwright Wilderness Outfitters Book 1 Comfort EmbraceBook 2 The WitnessBook 3 Zach’s DilemmaBook 4 Yancey’s LuckBook 5 Seeking FaithBook 6 Tessa's HopeBook 7 To Love AgainBook 8 The Hunted Brenda Clemmons ’s Clean and Wholesome Contemporary Western Romance series is enjoyable for all ages.