Attack Your Expenses: The Personal Finance Quick Start Guide to Save Money, Lower Expenses and Lower the Bar to Financial Freedom


Book Description

How to live on less without limiting your life According to a recent Pew study, 46% of Americans spend more money than they earn each month. Hopefully, you’re not part of the 46%, but even if you are, you can still fix your spending and get your finances back on track. With some out-of-the-box thinking, simple lifestyle changes, and a thoughtful evaluation of your spending, you can have enough left over to save and invest. In Attack Your Expenses, here is just a fraction of what you will discover: The 4 spinning plates of personal finance that you need to balance, and how each will bring you closer to financial freedom The main expenses you should focus on reducing to make a significant impact on your cost of living A unique living arrangement that, in some cases, will have you being paid to live in someone else’s house How you can better food while cutting down on your grocery bills at the same time How sharing with others can pay off for you, not just socially, but also mentally and financially The inaccurate beliefs about money that could be keeping you from building significant wealth Extreme examples of creative frugality that show you just what’s possible when it comes to saving money And much more. If you’re serious about securing your financial future without sacrificing, you are in the right place.




An American Sickness


Book Description

A New York Times bestseller/Washington Post Notable Book of 2017/NPR Best Books of 2017/Wall Street Journal Best Books of 2017 "This book will serve as the definitive guide to the past and future of health care in America.”—Siddhartha Mukherjee, Pulitzer Prize-winning author of The Emperor of All Maladies and The Gene At a moment of drastic political upheaval, An American Sickness is a shocking investigation into our dysfunctional healthcare system - and offers practical solutions to its myriad problems. In these troubled times, perhaps no institution has unraveled more quickly and more completely than American medicine. In only a few decades, the medical system has been overrun by organizations seeking to exploit for profit the trust that vulnerable and sick Americans place in their healthcare. Our politicians have proven themselves either unwilling or incapable of reining in the increasingly outrageous costs faced by patients, and market-based solutions only seem to funnel larger and larger sums of our money into the hands of corporations. Impossibly high insurance premiums and inexplicably large bills have become facts of life; fatalism has set in. Very quickly Americans have been made to accept paying more for less. How did things get so bad so fast? Breaking down this monolithic business into the individual industries—the hospitals, doctors, insurance companies, and drug manufacturers—that together constitute our healthcare system, Rosenthal exposes the recent evolution of American medicine as never before. How did healthcare, the caring endeavor, become healthcare, the highly profitable industry? Hospital systems, which are managed by business executives, behave like predatory lenders, hounding patients and seizing their homes. Research charities are in bed with big pharmaceutical companies, which surreptitiously profit from the donations made by working people. Patients receive bills in code, from entrepreneurial doctors they never even saw. The system is in tatters, but we can fight back. Dr. Elisabeth Rosenthal doesn't just explain the symptoms, she diagnoses and treats the disease itself. In clear and practical terms, she spells out exactly how to decode medical doublespeak, avoid the pitfalls of the pharmaceuticals racket, and get the care you and your family deserve. She takes you inside the doctor-patient relationship and to hospital C-suites, explaining step-by-step the workings of a system badly lacking transparency. This is about what we can do, as individual patients, both to navigate the maze that is American healthcare and also to demand far-reaching reform. An American Sickness is the frontline defense against a healthcare system that no longer has our well-being at heart.




Energy Savers


Book Description

Provides consumers with home energy and money savings tips such as insulation, weatherization, heating, cooling, water heating, energy efficient windows, landscaping, lighting, and energy efficient appliances.




Attack Your Expenses


Book Description

How to live on less without limiting your life According to a recent Pew study, 46% of Americans spend more money than they earn each month. Hopefully, you're not part of the 46%, but even if you are, you can still fix your spending and get your finances back on track. With some out-of-the-box thinking, simple lifestyle changes, and a thoughtful evaluation of your spending, you can have enough left over to save and invest. In Attack Your Expenses, here is just a fraction of what you will discover: The 4 spinning plates of personal finance that you need to balance, and how each will bring you closer to financial freedom The main expenses you should focus on reducing to make a significant impact on your cost of living A unique living arrangement that, in some cases, will have you being paid to live in someone else's house How you can better food while cutting down on your grocery bills at the same time How sharing with others can pay off for you, not just socially, but also mentally and financially The inaccurate beliefs about money that could be keeping you from building significant wealth Extreme examples of creative frugality that show you just what's possible when it comes to saving money And much more. If you're serious about securing your financial future without sacrificing, you are in the right place. Take action by adding to cart.




Money Saving Emergency Plan


Book Description

Money management for real people. Money Saving Emergency Plan offers a no-nonsense, No B.S. approach to budgeting and personal finance. In this book, the average person will discover ways to cut expenses and save money each and every month. Noted speaker and author Dave Ramson steps outside of "theory" and "conjecture" to offer over 500 money saving tips, tricks and strategies that real people can actually incorporate into their daily lives. These are smart budgeting and money saving tactics that actually work, whether you need to cut over a thousand dollars, or maybe just fifty or one hundred dollars, per month from your monthly budget.Dave Ramson understands that times are tough, money is tight and smart money management is essential to thriving in today's economy. The entire world is in some stage of recession, and the simple truth is that it's not going to magically end anytime soon. He understands that many of us are finding it necessary to reduce expenses in order to pay our bills and make "ends meet." Some household budget cuts are easy; others require difficult decisions that mean giving up certain lifestyle choices of which we have become accustomed. Either way, now more than ever, we all need to find new ways to save money.For some of us, a total money makeover may be required; while others simply need to improve their budgeting and money management skills. There is no shame in needing to cut expenses or to implement a little better financial planning for your family. The circumstances of the global economy have hurt nearly every pocketbook and bank account worldwide. There is plenty of blame to go around - from the bankers to the politicians to our own personal lack of self-control - but worrying about who to blame does not put food on the table or pay the bills. The real story, now, is how to survive and thrive in this new reality. This book is really for two categories of people: those who find themselves with a need to create a money plan to cut expenses quickly and drastically; and those who need a few good, sound ideas to save money each month before they find themselves in the first category. This book is NOT for those who are looking for a "magic pill;" or for those who are unwilling to make an effort to change their financial situation. Dave Ramson gives it to you straight - so be ready for a real, no B.S. look at household money management, budgeting and personal finance.Some of the strategies in this book will sound familiar; others will be eye-opening. With over 500 real-world tips and money saving strategies, any reader will surely find plenty of proven ways to learn how to save money, reduce bills and cut monthly expenses. The end result will boost their financial health and reduce their personal stress.




Money Savings Blueprint


Book Description

Reviews *** Amazon #1 Bestseller in two Personal Finance categories *** "This is a great no nonsense book on how everyone can save money. Unlike other books which concentrate on theory, Bryans book concentrates on practical ways to cut costs without adversely affecting the quality of the family lifestyle." - Avidreader "Bryan shares some very practical tips in this book that when applied can help you start saving money each month. I especially appreciated his detailed instructions on how to save money on your TV and phone bills with the links and resources he provided." - Shelley "If you are wanting or needing to save money, get this book and most importantly, apply the principles discussed within its covers. You can save a significant amount of cash if you apply all the ideas Bryan shares." - Marg "What I like about this book is how specific and actionable it is. The author carefully lists most of the common expenses in a household such as cable, phone, electricity and food and gives great suggestions on how you can save money in all of them." - Paul Product Description - Are you struggling in this recession? - Are you being kept awake at night worrying how you're going to pay the next round of bills? Admittedly saving money isn't the most exciting subject in the world. However in an economic downturn such as the one we're all currently going through... saving as much money as possible makes perfect sense. Money saved which can be better spent to help you keep on top of everything and in control of your monthly expenses. Each of the steps detailed in this book are all actions that the author implemented together with his wife in their family. And in doing so... they're saving close to $10,000 per year! Just by making some tweaks here and there to their family finances. This guide is different from other advice you may find online. Most sites simply list areas to reduce expenses and then send you on your merry way. Unfortunately, these lists never give you detailed instructions on how to actually achieve these cost-cutting benefits. It's like sitting down for a meal consisting of ice chips... after finishing the meal, you haven't satisfied your hunger and have wasted valuable time. Money Savings Blueprint is packed with 17 practical and proven ways to save hundreds of dollars each month. At your own pace, in the comfort of your own home you can have this highly valuable book that shows you how you can... - Dramatically slash or eliminate four different home utility bills - Reduce how much of your hard earned money is paid into local government coffers - Discover the surprising ways you overspend on food both at home and when dining out - Uncover the overlooked ways to save on cell phone plans - Learn how advances in technology can help put more money in your pocket every month - Think outside the box in order to save with your motor vehicles - Apply the cost cutting trick that 85% of people fail to do Pickup your copy today!




Reduce Your Bills


Book Description

I have experienced some ups and downs, highs and lows but no matter what your situation. You will always have to pay bills and although that might not have to be fun. It doesn't have to drain your pockets. I've learned some tricks and tips that may help give you some relief and along the way and save money for a rainy day.




The Coupon Mom's Guide to Cutting Your Grocery Bills in Half


Book Description

A book that pays for itself! The creator of couponmom.com, with 1.6 million subscribers and counting, shares her strategic money-saving techniques for saving big while living well 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. Watch a Video




Never Pay the First Bill


Book Description

From award-winning ProPublica reporter Marshall Allen, a primer for anyone who wants to fight the predatory health care system--and win. Every year, millions of Americans are overcharged and underserved while the health care industry makes record profits. We know something is wrong, but the layers of bureaucracy designed to discourage complaints make pushing back seem impossible. At least, this is what the health care power players want you to think. Never Pay the First Bill is the guerilla guide to health care the American people and employers need. Drawing on 15 years of investigating the health care industry, reporter Marshall Allen shows how companies and individuals have managed to force medical providers to play fair, and shows how you can, too. He reveals the industry's pressure points and how companies and individuals have fought overbilling, price gouging, insurance denials, and more to get the care they deserve. Laying out a practical plan for protecting yourself against the system's predatory practices, Allen offers the inspiration you need and tried-and-true strategies such as: Analyze and contest your medical bills, so you don't pay more than you should Obtain the billing codes for a procedure in advance Write in an appropriate treatment clause before signing financial documents Get your way by suing in small claims court Few politicians and CEOs have been willing to stand up to the medical industry. It is up to the American people to equip ourselves to fight back for the sake of our families--and everyone else.