“A creative and open-hearted business model for our times.”—The Wall Street Journal
Why this book is for you:
• You’re ready to make a difference in the world—through your own start-up business, a nonprofit organization, or a new project that you create within your current job.
• You want to love your work, work for what you love, and have a positive impact on the world—all at the same time.
• You’re inspired by charity: water, method, and FEED Projects and want to learn how these organizations got their start.
• You’re curious about how someone who never made a pair of shoes, attended fashion school, or worked in retail created one of the fastest-growing footwear companies in the world by giving shoes away.
• You’re looking for a new model of success to share with your children, students, co-workers, and members of your community.
You’re ready to start something that matters.
The Financial Peace Planner may be the most valuable purchase you ever make. Dave Ramey's practical regimen, based on his own personal experience with debt, offers hard-won advice and much needed hope to people who find themselves in serious debt and desperate for a way out. This book comes in a workbook format, allowing you to frequently monitor your progress and, most importantly, to face your situation honestly. Loaded with inspirational insights that come from personal experience, this set of books will be life changing for any debt-ridden readers.
You'll find help on how to:
• Assess the urgency of your situation
• Understand where your money's going
• Create a realistic budget
• Dump your debt
• Clean up your credit rating
From the Trade Paperback edition.
No one should tell you what to do with your money—only you know what’s most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven method—four, simple rules—will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it.Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable.Age Your Money. As you repeat the first three rules, you’ll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good.
This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don’t waste another month counting down the minutes until payday....
With this book, extreme couponing expert Joni Meyer-Crothers explains precisely how she has managed to save thousands by clipping coupons, using them wisely and never paying full retail price for any product. She reveals what basic items you should never pay for (toothpaste, toothbrushes, razors, pasta, etc.), and teaches readers techniques to obtain coupons that do not cost a penny and turn them around to save big on groceries, cleaning items, hygienic supplies, and many other household products.
Learn the basics of couponing, maximizing your savings, and thinking outside of the box when it comes to how you shop. With Extreme Couponing, there’s no reason to pay full price for the things you need in life.
In a world of limitless technology, we are more connected than ever before but our hyper-connected lifestyles threaten our ability to know ourselves and interact with each other. By focusing on the four core values that allow us to become truly “connected” in tech-centric societies—empathy, patience, focus, and humility—Otto demonstrates that the power of technology is not in the tool, but in the intention of the person using it.
Everyday Ambassador offers a unique solution to those who aspire to truly make a difference in the twenty-first century—revealing the secrets of how to unite people, even when technology keeps us at a distance from others—emotionally and physically. Otto helps us lift our heads up from our cell phones and tablets and take a look at the people standing right in front of us.
In a time when good citizenship is the new currency of cool, Everyday Ambassador gives us the tactics to connect in our disconnected world.
From struggling financially all the way up to building a successful worldwide ministry and enjoying financial freedom, author Gary Keesee shares his journey and his proven successful principles so you can control your finances.
You will learn the spiritual laws of God’s Kingdom and exactly how to apply each principle discussed. Also clearly and expertly explained is how to:Find lost money.Put a plan in place to be out of debt in less than 7 years (including your mortgage!).Save in every area of life.See that the financial laws of the Kingdom can intersect with the natural realm to bring you freedom from worry and fear.From pitfalls to avoid to proactive steps to take, the path to financial freedom is clearly illuminated.
Fixing the Money Thing is not a book of boring numbers and budgets—it is an inspirational book that will change your life in many positive and lucrative ways.
Combining real-life recommendations with the motivation to overcome financial anxieties, Suze Orman offers the keys to providing for yourself and your family, including:
* seeing how your past holds the key to your financial future
* facing your fears and creating new truths
* trusting yourself more than you trust others
* being open to receiving all that you are meant to have
* understanding the lessons of the money cycle
The 9 Steps to Financial Freedom is useful advice and inspiration from the leading voice in personal finance. As Orman shows, managing money is far more than a matter of balancing your checkbook or picking the right investments. It's about redefining financial freedom -- and realizing that you are worth far more than your money.
More than 40 percent of families today are feeling financial pressure: spending more than they earn, and worrying about retiring and being dependent on the government, family, or charity. Larry Winget knows. He grew up poor, then made and lost a fortune when a business in which he?d invested went bankrupt. But he worked his way back from rock bottom to become a multimillionaire.
In You?re Broke Because You Want to Be, Winget expands on the ideas that have made his popular television show Big Spender a hit and offers straightforward talk about coming to grips with your finances, such as:
· Feel bad. Have remorse. You need to feel deep emotion to take action. So start crying and take responsibility.
· Figure out who you owe and how much you owe. It?ll be a scary number to face, but you need to know where you are and what you have.
· ?People are stupid, lazy, or they don?t give a damn.? You already know you need to do something; Larry will help you finally do something.
· Are you more interested in looking cool and being cute or providing a financially secure future for your family? How you spend your money will tell you that. With a boot-camp regimen that is steeped in personal accountability, Winget cuts through the double-talk contained in most finance books and presents a simple, guided program that is sure to motivate anyone out of their money problems.
From the Trade Paperback edition.
Meet Steve and Annette Economides. They’ve been called cheapskates, thriftaholics, and tightwads, but in these tough economic 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.
Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you’re having your own private coaching session. Not only will you find solutions to your financial dilemmas, you’ll also discover a whole new way of life.
You don’t need to be a CPA or a math wizard to learn their revolutionary system, which will teach you:
- 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.
From the Trade Paperback edition.
In their number one New York Times best seller Half the Sky, husband-and-wife team Nicholas D. Kristof and Sheryl WuDunn brought to light struggles faced by women and girls around the globe, and showcased individuals and institutions working to address oppression and expand opportunity. A Path Appears is even more ambitious in scale: nothing less than a sweeping tapestry of people who are making the world a better place and a guide to the ways that we can do the same—whether with a donation of $5 or $5 million, with our time, by capitalizing on our skills as individuals, or by using the resources of our businesses.
With scrupulous research and on-the-ground reporting, the authors assay the art and science of giving, identify successful local and global initiatives, and share astonishing stories from the front lines of social progress. We see the compelling, inspiring truth of how real people have changed the world, upending the idea that one person can’t make a difference.
We meet people like Dr. Gary Slutkin, who developed his landmark Cure Violence program to combat inner-city conflicts in the United States by applying principles of epidemiology; Lester Strong, who left a career as a high-powered television anchor to run an organization bringing in older Americans to tutor students in public schools across the country; MIT development economist Esther Duflo, whose pioneering studies of aid effectiveness have revealed new truths about, among other things, the power of hope; and Jessica Posner and Kennedy Odede, who are transforming Kenya’s most notorious slum by expanding educational opportunities for girls.
A Path Appears offers practical, results-driven advice on how best each of us can give and reveals the lasting benefits we gain in return. Kristof and WuDunn know better than most how many urgent challenges communities around the world face today. Here they offer a timely beacon of hope for our collective future.
“A must read for anyone wanting to get their head above water.”—The Wall Street Journal
THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION
OUT OF THE RED
• Do this month’s bills pile up before you’ve paid last month’s?
• Do you regularly receive past-due notices?
• Do you get letters threatening legal action if immediate payment is not made?
• Do the total amounts of your revolving charge accounts keep rising?
INTO THE BLACK
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn
• how to recognize the warning signs of serious debt
• how to negotiate with angry creditors, collection agencies, and the IRS
• how to design a realistic and painless payback schedule
• how to identify your spending blind spots
• how to cope with the anxiety and daily pressures of owing money
• plus the three cardinal rules for staying out of debt forever, and much more!
This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.
From the Trade Paperback edition.
Nine years ago I was in debt because of the huge legal fees and the loss of my job. I was an innocent victim fighting for justice. The lawyer's fee almost bankrupt me. I resorted to borrowing from my family, the bank and my credit card was max out. The money goes to pay high interest. I got deeper and deeper into the debt sink hole. I was frustrated and depressed about my situation.
That experience motivated me to do everything to get myself out of debt. I read as many books as I can find in the public library, and spending hours researching on the Internet. I did everything I possible could. It took me more than a year to get out of debt.
Out of this painful experience, come this book. From all these experiences and research , I developed the strategies to get out of debt and live a debt free life. It worked for me. It can work for you.
In this book, you will discover:
- Warning Signs of Too Much Debt
- Why People are in Debt
- The Truth about Debt
- The Credit Card scam
- The power of Compound Interest
- How to stop the financial hemorrhage
- How to Live Below Your Means
- How to create a Repayment Plan
- How to create a Spending Plan
- How to Save
- How to Increase Your Earning Capability
- How to Cultivate a Prosperity Mindset
When you implement the strategies in this book, you will discover the truth and the lies about credit card, you will know how to get out of debt, and live a Debt-Free Life and prosperous life.
This is a very small cost to invest in getting debt free! You will save far more than the cost of book, The amount is less than a hour of personal coaching. Apply what you learn and it will get you out of debts forever.
Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!
If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide.
Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:
- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?
- Managing student loans without having a full-on panic attack
- What to do when you’re out with your crew and can’t afford to split the bill evenly
- How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more.
Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!
When Angela Nissel found herself struggling financially while in college, instead of sulking, she decided to entertain herself by creating an online journal that chronicled her day-to-day trials and tribulations. Written with humor and intelligence, her “Broke Diary” quickly found an audience as people wrote to Angela to empathize with, console, and laugh with her about her experiences and even share their own. The Broke Diaries is the first complete compilation of her experiences, written in a voice that is funny, unique, and dead-on.
On buying ramen noodles: I am sooooooo embarassed. I only have 33 cents. I (please don’t laugh) put the money on the counter and quickly attempt to dash out with my Chicken Flavored Salt Noodles. The guy calls me back! I look up instinctively, I should have run . . . Why didn’t I run???!! He tells me the noodles are 35 cents. I try to apologize sincerely. I thought the sign said 33 cents yesterday, so that’s all I brought with me. Could he wait while I ran home and get the 2 cents? I show him my student I.D. to let him know I am not a thief. He shakes his head and motions either for me to get the hell out of his store and never come back again or get the money as do come back. I don’t know. He said something like “Nyeh” and swiped his hand in my direction.
I can’t translate hand motions well.
The noodles: tasty!!!
What would you do in the last hour of your life?
The story of Welles Crowther, whose actions on 9/11 offer a lasting lesson on character, calling and courage
One Sunday morning before church, when Welles Crowther was a young boy, his father gave him a red handkerchief for his back pocket. Welles kept it with him that day, and just about every day to come; it became a fixture and his signature.
A standout athlete growing up in Upper Nyack, NY, Welles was also a volunteer at the local fire department, along with his father. He cherished the necessity and the camaraderie, the meaning of the role. Fresh from college, he took a Wall Street job on the 104th floor of the South Tower of the World Trade Center, but the dream of becoming a firefighter with the FDNY remained.
When the Twin Towers fell, Welles’s parents had no idea what happened to him. In the unbearable days that followed, they came to accept that he would never come home. But the mystery of his final hours persisted. Eight months after the attacks, however, Welles’s mother read a news account from several survivors, badly hurt on the 78th floor of the South Tower, who said they and others had been led to safety by a stranger, carrying a woman on his back, down nearly twenty flights of stairs. After leading them down, the young man turned around. “I’m going back up,” was all he said.
The survivors didn’t know his name, but despite the smoke and panic, one of them remembered a single detail clearly: the man was wearing a red bandanna.
Tom Rinaldi’s The Red Bandanna is about a fearless choice, about a crucible of terror and the indomitable spirit to answer it. Examining one decision in the gravest situation, it celebrates the difference one life can make.
From the Hardcover edition.
Doing the Most Good develops the challenges Singer has made, in the New York Times and Washington Post, to those who donate to the arts, and to charities focused on helping our fellow citizens, rather than those for whom we can do the most good. Effective altruists are extending our knowledge of the possibilities of living less selfishly, and of allowing reason, rather than emotion, to determine how we live. Doing the Most Good offers new hope for our ability to tackle the world’s most pressing problems.
While a researcher at Oxford, trying to figure out which career would allow him to have the greatest impact, William MacAskill confronted this problem head on. He discovered that much of the potential for change was being squandered by lack of information, bad data, and our own prejudice. As an antidote, he and his colleagues developed effective altruism, a practical, data-driven approach that allows each of us to make a tremendous difference regardless of our resources. Effective altruists believe that it’s not enough to simply do good; we must do good better.
At the core of this philosophy are five key questions that help guide our altruistic decisions: How many people benefit, and by how much? Is this the most effective thing I can do? Is this area neglected? What would have happened otherwise? What are the chances of success, and how good would success be? By applying these questions to real-life scenarios, MacAskill shows how many of our assumptions about doing good are misguided. For instance, he argues one can potentially save more lives by becoming a plastic surgeon rather than a heart surgeon; measuring overhead costs is an inaccurate gauge of a charity’s effectiveness; and, it generally doesn’t make sense for individuals to donate to disaster relief.
MacAskill urges us to think differently, set aside biases, and use evidence and careful reasoning rather than act on impulse. When we do this—when we apply the head and the heart to each of our altruistic endeavors—we find that each of us has the power to do an astonishing amount of good.
From the Hardcover edition.
Do you know if you have enough? Do you know how much is enough? If you can't answer these questions, Master Your Money is for you.
In this book, Ron Blue extracts principles from God's Word and applies them to your financial portfolio.
Learn how to:Avoid the most common financial mistakesApply biblical principles for money managementSave, invest, and give wiselyCreate a long-term financial plan that worksPlan for your taxes and estate needsGet out of debt
Ron’s professional experience in financial planning will ease your anxieties over money and be an asset to you and your family for generations to come. Learn the tools and techniques you need to move forward toward true financial freedom.
This new edition includes important updates and new content, making it timely and relevant.
Shortly before Christmas 1933 in Depression-scarred Canton, Ohio, a small newspaper ad offered $10, no strings attached, to 75 families in distress. Interested readers were asked to submit letters describing their hardships to a benefactor calling himself Mr. B. Virdot. The author's grandfather Sam Stone was inspired to place this ad and assist his fellow Cantonians as they prepared for the cruelest Christmas most of them would ever witness.
Moved by the tales of suffering and expressions of hope contained in the letters, which he discovered in a suitcase 75 years later, Ted Gup initially set out to unveil the lives behind them, searching for records and relatives all over the country who could help him flesh out the family sagas hinted at in those letters. From these sources, Gup has re-created the impact that Mr B. Virdot's gift had on each family. Many people yearned for bread, coal, or other necessities, but many others received money from B. Virdot for more fanciful items-a toy horse, say, or a set of encyclopedias. As Gup's investigations revealed, all these things had the power to turn people's lives around- even to save them.
But as he uncovered the suffering and triumphs of dozens of strangers, Gup also learned that Sam Stone was far more complex than the lovable- retiree persona he'd always shown his grandson. Gup unearths deeply buried details about Sam's life-from his impoverished, abusive upbringing to felonious efforts to hide his immigrant origins from U.S. officials-that help explain why he felt such a strong affinity to strangers in need. Drawing on his unique find and his award-winning reportorial gifts, Ted Gup solves a singular family mystery even while he pulls away the veil of eight decades that separate us from the hardships that united America during the Depression. In A Secret Gift, he weaves these revelations seamlessly into a tapestry of Depression-era America, which will fascinate and inspire in equal measure.
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Many of the worksheets in this book are available online and can be saved, printed, and recalculated at any time. Go to: WSJ.com/BookTools
Understanding your money, and getting it to work for you, is more important today than it ever was, because you alone are responsible for every aspect of your financial life, from managing your day-to-day living expenses to planning a college savings fund and, ultimately, retirement. The sooner you start taking control of your financial life the better, and there’s no greater authority on financial matters than The Wall Street Journal. This workbook takes the mystery out of personal finance and addresses every topic you’ll need to master, from building a solid financial base to growing your financial assets. Worksheets, charts, and step-by-step instructions throughout help you do the math and work through the basics, making it quick and easy to organize your cash and eventually build wealth. Learn how to:
• Create a spending plan and budget
• Balance a checkbook
• Make decisions about what types of— and how much—insurance you need
• Manage credit and debt
• Finance big expenses like real estate and education
• Understand and properly assess your own appetite for risk
• Formulate the right asset allocation
• Start building an investment portfolio
• Make real estate decisions like purchasing vs. renting
• Refinance a mortgage
• Manage your 401(k)
• Deal with taxes
• Plan for college expenses
Also available—the companion to this workbook: The Wall Street Journal Complete Personal Finance Guidebook, by Jeff D. Opdyke
Get your financial life in order with help from The Wall Street Journal. Look for:
• The Wall Street Journal Complete Money and Investing Guidebook
• The Wall Street Journal Complete Identity Theft Guidebook
• The Wall Street Journal Complete Real Estate Investing Guidebook
From the Trade Paperback edition.
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 more
As Clark demonstrates, there are myriad ways to reduce debt, buy smarter, and build a future. Follow his lead and he'll get you there.
In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. 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.
When it comes to global poverty, people are passionate and polarized. At one extreme: We just need to invest more resources. At the other: We've thrown billions down a sinkhole over the last fifty years and accomplished almost nothing.
Dean Karlan and Jacob Appel present an entirely new approach that blazes an optimistic and realistic trail between these two extremes.
In this pioneering book Karlan and Appel combine behavioral economics with worldwide field research. They take readers with them into villages across Africa, India, South America, and the Philippines, where economic theory collides with real life. They show how small changes in banking, insurance, health care, and other development initiatives that take into account human irrationality can drastically improve the well-being of poor people everywhere.
We in the developed world have found ways to make our own lives profoundly better. We use new tools to spend smarter, save more, eat better, and lead lives more like the ones we imagine. These tools can do the same for the impoverished. Karlan and Appel's research, and those of some close colleagues, show exactly how.
In America alone, individual donors contribute over two hundred billion to charity annually, three times as much as corporations, foundations, and bequests combined. This book provides a new way to understand what really works to reduce poverty; in so doing, it reveals how to better invest those billions and begin transforming the well-being of the world.
In 2014, Elizabeth and Nate Thames were conventional 9-5 young urban professionals. But the couple had a dream to become modern-day homesteaders in rural Vermont. Determined to retire as early as possible in order to start living each day—as opposed to wishing time away working for the weekends—they enacted a plan to save an enormous amount of money: well over seventy percent of their joint take home pay. Dubbing themselves the Frugalwoods, Elizabeth began documenting their unconventional frugality and the resulting wholesale lifestyle transformation on their eponymous blog.
In less than three years, Elizabeth and Nate reached their goal. Today, they are financially independent and living out their dream on a sixty-six-acre homestead in the woods of rural Vermont with their young daughter. While frugality makes their lifestyle possible, it’s also what brings them peace and genuine happiness. They don’t stress out about impressing people with their material possessions, buying the latest gadgets, or keeping up with any Joneses. In the process, Elizabeth discovered the self-confidence and liberation that stems from disavowing our culture’s promise that we can buy our way to "the good life." Elizabeth unlocked the freedom of a life no longer beholden to the clarion call to consume ever-more products at ever-higher sums.
Meet the Frugalwoods is the intriguing story of how Elizabeth and Nate realized that the mainstream path wasn’t for them, crafted a lifestyle of sustainable frugality, and reached financial independence at age thirty-two. While not everyone wants to live in the woods, or quit their jobs, many of us want to have more control over our time and money and lead more meaningful, simplified lives. Following their advice, you too can live your best life.
Crystal Paine, who has helped busy women everywhere take control of their finances, presents her most effective strategies designed for families of all sizes and income levels. With hundreds of inspiring “why didn’t I think of that?” tips, plus worksheets, Paine breaks down your goals into easy, manageable steps so you can:
• Achieve a complete financial makeover
• Set up a realistic budget
• Never pay retail
• Slash your grocery bill
• Organize your time and your home
• Use coupons wisely
• Pay with cash only
• Live simply
• Become debt free
• Choose contentment
• Make every dollar count
Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates.
In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit.
Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
“David Batstone is a heroic character.” —Bono
In the revised and updated version of this harrowing yet deeply inspirational exposé, award-winning journalist David Batstone gives the most up-to-date information available on the $31 billion human trafficking epidemic. With profiles of twenty-first century abolitionists like Thailand’s Kru Nam and Peru’s Lucy Borja, Batstone tells readers what they can do to stop the modern slave trade. Like Kevin Bales’ Disposable People and Ending Slavery, or E. Benjamin Skinner’s A Crime So Monstrous, Batstone’s Not for Sale is an informative and necessary manifesto for universal freedom.
You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires.
There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years.
Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to:
• Maximize your Social Security income
• Make money in real estate without risking your investment
• Reduce your income tax payments
• Acquire income-producing dividend stocks
• Start your own business
IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.
IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.
IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.
For previous generations, living within your means was a simple formula. Now, with the staggering rise in education, health care, and housing costs, millions of people find themselves skating from paycheck to paycheck with no idea how to move forward.
As the most-read personal finance columnist on the Internet, Liz Weston has heard the questions and has the answers. Her 10 Commandments of Money will help readers avoid critical mistakes, survive the bad times, and thrive in the good ones. Just a few of Weston's invaluable pointers include how to:
• Balance Your Budget
• Pay Down Toxic Debt
• Get the Right Mortgage
• Pay for College
• Save for Retirement
• Maximize Your Financial Flexibility
Liz Weston's goal is to provide THE practical guide to the brave new world of money. What Sylvia Porter's Money Book was to the 1970s, The 10 Commandments of Money will be for the 2010s.
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This moving biography details Melching's beginnings at the University of Dakar and follows her journey of 40 years in Africa, where she became a social entrepreneur and one of humanity's strongest voices for the rights of girls and women.
Inspirational and beautifully written, However Long the Night: Molly Melching's Journey to Help Millions of African Women and Girls Triumph is a passionate entreaty for all global citizens. This book is published in partnership with the Skoll Foundation, dedicated to accelerating innovations from organizations like Tostan that address the world's most pressing problems.
Managing your money is like going to the dentist or standing in line at the DMV. Nobody wants to do it, but at some point, it's inevitable: you need to clean your teeth, renew your license, and manage your personal finances like a grown-up. Whether you're struggling to pay off student loan debt, ready to stop living paycheck to paycheck, or have finally accepted that your Beanie Baby collection will never pay off, tackling your finances may seem immensely intimidating. But it doesn't have to be. In fact, by approaching it as a game--or something that requires you to set clear goals, as well as face challenges you must "beat"--personal finance can not only be easy to understand, but it can also be fun!
In Get Money, personal finance expert Kristin Wong shows you the exact steps to getting more money in your pocket without letting it rule your life. Through a series of challenges designed to boost your personal finance I.Q., interviews with other leading financial experts, and exercises tailored to help you achieve even your biggest goals, you'll learn valuable skills such as:
Building a budget that (gasp) actually works Super-charging a debt payoff plan How to strategically hack your credit score Negotiating like a shark (or at least a piranha) Side-hustling to speed up your money goals Starting a lazy investment portfolio...and many more!
Simply put, with this gamified guide to personal finance, you'll no longer stress about understanding how your finances work--you'll finally "get" money.
More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?
These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.
It’s time for them to get a financial life.
For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.
From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.
Everyone wants a simple and practical way to manage their money, but with countless financial planners, budgeting articles, and websites available, it's not always easy to figure out where to start. Filled with only the most essential information on budgeting, this book shows you how to build a financial plan that not only meets your needs, but helps you stay on track.
From prioritizing goals and listing expenses to saving regularly and planning for future finances, this book guides you through all the important steps of budgeting with realistic advice. You'll be able to create a visual portrait of your finances as well as learn how to manage your spending, stay out of debt, and build for the future. This book also includes a resource guide for free and up-to-date web tools that make the process as easy and comprehensive as possible.
With The Only Budgeting Book You'll Ever Need, you will finally be able to find peace of mind knowing that you can create a realistic budget that works for your financial situation and goals.
Think you can’t be rich by thirty? Think again! The earlier you make savvy decisions with your finances, the more successful you can be because time is on your side. And you don’t need thousands of dollars or a hefty inheritance to get started. In fact, most young millionaires began by saving a few dollars each week — the cost of a bottle of water or a drop-in fitness class. As a financially savvy young person, you will have the ability to choose the direction of your future rather than having to accept what life throws your way — and that’s valuable because having choices will help you create a happy life. If you’re ready to reach your financial potential, without sacrificing the best of what life has to offer, Rich By Thirty will show you how. In it you’ll learn to: • Maximize the value of your education; • Live a frugal and fun life; • Become debt free fast; • Budget for the things you need and want; • Save and invest like an expert; • And choose a great career. Forget about being broke! This guide will help you grow your money and empower you to create an awesome, and affordable, future for yourself.
Americans are hungry for bargains these days, but one woman has developed the ultimate strategy for enjoying a feast of savings. Taking the nation by storm, with appearances ranging from The Oprah Winfrey Show Stephanie Nelson has shown countless women and men how to save thousands of dollars by becoming savvy coupon clippers-without sacrificing nutrition or quality. Now, in The Coupon Mom's Guide to Cutting Your Grocery Bills in Half, Nelson demonstrates all of the tricks of the trade-beyond coupons and tailor-made for a variety of shopper lifestyles. Whether you're a "busy" shopper and have only a small amount of time each week to devote to finding the best deal; a "rookie" shopper who is ready to put more effort into cutting bills; or a seasoned "varsity" shopper who is looking for new ways to get the deepest discounts possible, this book offers techniques thatw ill make it easy to save money at any level and on any timetable.
Extending her Strategic Shopping protocols to mass merchandisers, wholesale clubs, natural-food stores, drugstores, and other retailers, Nelson proves that value and variety can go hand in hand. With meal- planning tips, recipes, and cost-comparison guides, as well as inspiring real-life stories from the phenomenal Coupon Mom movement, this is a priceless guide to turning the checkout lane into a road of riches.
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If you're like the average American, having improved credit will save you thousands of dollars on your loans and credit cards. You do not need a credit repair clinic. Save the money. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost using the plan in this new book. There are federal laws in place to make sure that you can repair problems on your credit report and increase your credit score. These laws are found in the Fair Credit Reporting Act.
This book will show you how to use your legal rights to increase your credit score. You will learn how to remove questionable items from YOUR credit reports, including: late payments, collections, judgments, liens, charge offs, bankruptcies, foreclosures, repossessions, and identity fraud. This new book will be your road map to credit repair information, and give you tips on how to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
"On My Own Two Feet is a must read for everyone. This book actually makes personal finance interesting. You will read it cover to cover. Go get a copy, and get copies for the people you care about. Taking care of your money is important, and the earlier you start, the better." --Tim Westergren, Founder, Pandora
Whether you've been living paycheck to paycheck or are saving for a down payment on your first home, this updated edition of the bestselling On My Own Two Feet will help you grasp the basic principles of money management. Written by Harvard Business School graduates and leading investment experts Manisha Thakor and Sharon Kedar, this finance guide provides you with all the information you need to know to keep your everyday spending in check, save for big-ticket items or emergencies, and create a secure retirement plan. Thakor and Kedar's time-tested strategies have been featured in the Wall Street Journal, Forbes, The Huffington Post, and are now adapted for your specific needs, such as paying off your student loans or budgeting for your future wedding, so that you'll never be short-changed by credit card companies or banks again.
With the valuable advice and concepts highlighted by On My Own Two Feet, you will achieve your life goals--and finally free yourself from financial stress.
In Toxic Charity, Robert D. Lupton revealed the truth about modern charity programs meant to help the poor and disenfranchised. While charity makes donors feel better, he argued, it often hurts those it seeks to help. At the forefront of this burgeoning yet ineffective compassion industry are American churches, which spend billions on dependency-producing programs, including food pantries. But what would charity look like if we, instead, measured it by its ability to alleviate poverty and needs?
That is the question at the heart of Charity Detox. Drawing on his many decades of experience, Lupton outlines how to structure programs that actually improve the quality of life of the poor and disenfranchised. He introduces many strategies that are revolutionizing what we do with our charity dollars, and offers numerous examples of organizations that have successfully adopted these groundbreaking new models. Only by redirecting our strategies and becoming committed to results, he argues, can charity enterprises truly become as transformative as our ideals.