{"title":"Budgeting - Personal Finance","description":"\u003cp\u003e\u003cstrong data-start=\"1023\" data-end=\"1038\"\u003e\u003cem data-start=\"1025\" data-end=\"1036\"\u003eBudgeting\u003c\/em\u003e\u003c\/strong\u003e – Guides focused on creating effective budgets for savings and financial goals.\u003cbr data-start=\"1118\" data-end=\"1121\"\u003e\u003c\/p\u003e","products":[{"product_id":"meet-the-frugalwoods-achieving-financial-independence-through-simple-living-9780062668141","title":"Meet the Frugalwoods: Achieving Financial Independence Through Simple Living","description":"\u003cp\u003e\u003cstrong\u003eThe deeply personal story of why award-winning personal finance blogger Elizabeth Willard Thames abandoned a successful career in the city and embraced extreme frugality in order to create a more meaningful, purpose-driven life and retire to a homestead in the woods at age thirty-two with her husband and daughter.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eIn 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.\u003c\/p\u003e\u003cp\u003eIn 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.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eMeet the Frugalwoods\u003c\/em\u003e 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.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003e\u003cb\u003e\u003ci\u003eThames, Elizabeth Willard:\u003c\/i\u003e\u003c\/b\u003e - Elizabeth Willard Thames is the personal finance blogger behind the award-winning Frugalwoods.com. At thirty-two she abandoned a successful career in the city and embraced extreme frugality to create a more meaningful, purpose-driven life and retire to a sixty-six-acre homestead in the woods of Vermont with her husband and young daughter. Started in April 2014, Frugalwoods is a respected voice in the personal finance, early retirement, and lifestyle blogging sector and empowers readers to take charge of their finances and create fulfilling lives. Thames holds BAs in political science and creative writing from the University of Kansas and an MA in public administration from American University. Prior to following her calling as a writer and homesteader, she worked for ten years in the nonprofit sector as a fund-raiser and communications manager.","brand":"HarperCollins","offers":[{"title":"Default Title","offer_id":50318003142930,"sku":"9780062668141","price":13.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_2b8e1908-027a-4e96-a74e-a5940181b90b.jpg?v=1727544993"},{"product_id":"credit-for-canadians-fix-your-own-credit-report-protect-yourself-from-identity-theft-9780978393908","title":"Credit for Canadians: Fix Your Own Credit Report, Protect Yourself from Identity Theft","description":"Credit for Canadians: Fix your own credit report, Protect Yourself from Identity Theft provides step-by-step instructions to enable anyone to fix mistakes on their credit report, avoid credit repair scams, improve their credit score, handle annoying collection calls, negotiate with creditors, re-establish credit, get loans approved, and protect themselves from Identity Theft. Much of the printed and internet information about credit and credit repair currently available is not relevant to Canadians. But this book, written by Canadian credit industry insider Mike Morley, \"Mike the Credit Guy\" gives Canadians the facts. The author uses clear, easy-to-understand language to guide people who are looking for ways to recover from a financial setback, put their plan for financial freedom on the fast track, or simply understand how the Canadian credit industry works.\u003cbr\u003e","brand":"Nixon-Carre Ltd.","offers":[{"title":"Default Title","offer_id":50330791772434,"sku":"9780978393908","price":20.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_75f93294-cd5b-4f55-92df-8a91604df7a0.jpg?v=1727806438"},{"product_id":"spend-grow-rich-9780983763024","title":"Spend \u0026 Grow Rich","description":"Why do some people spend and grow rich while other people spend and grow poor? This is a question that Gary Barnes struggled with as a financial planner. He saw people receive very high incomes and had very little if anything to show for it at the end of every year and other people with much smaller incomes accumulate wealth. While everyone's income is different Gary realized the one thing that we all have in common is that we spend money. While this may seem obvious it's in the way that we spend our money that determines whether or not we grow rich or poor. It's in the psychological and emotional relationship we have with money. Most people have no roadmap for their finances or a way to track their progress. That's why Gary created Spend \u0026amp; Grow Rich - The Two-Tier System. It's Gary's belief that budgets don't work, but if an individual, family, or business will take the time to create a \"Spending Plan\" they will create the foundation that will give them the results that they desire. Spend \u0026amp; Grow Rich is a simple but practical process that anyone can implement. It's not about right or wrong, good or bad spending, but about making conscious decisions on how we spend our money before we spend it. If you choose to implement the Spend \u0026amp; Grow Rich process and make it your own you will be amazed at your results. 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Does debt leave you feeling depressed, worried or angry?\u003c\/p\u003e \u003cp\u003e \u003c\/p\u003e \u003cp\u003eIf you have ever tried and failed at budgeting, if you want to rid yourself of debt, and stop living paycheck to paycheck, then let #1 bestselling author Heidi Farrelly show you how. Take charge of your finances and learn: \u003c\/p\u003e \u003cul\u003e \u003cli\u003eThe secret way to NOT budget and still save money\u003c\/li\u003e \u003cli\u003eThe problem with budgets (and why most fail)\u003c\/li\u003e \u003cli\u003eHow to stick to a budget - no matter what you're struggling with\u003c\/li\u003e \u003cli\u003eHow to break free (and stay free) of debt\u003c\/li\u003e \u003cli\u003eProven methods to save money and get ahead\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003e\u003cem\u003eBrilliant Budgets and Despicable Debt\u003c\/em\u003e will give you the knowledge you need to create an incredible future for yourself, and your family. Spend without guilt, live without money worries, travel the world, and invest in life \u003c\/p\u003e \u003cp\u003e\u003cstrong\u003eBecause there is nothing you can't achieve if you plan to succeed.\u003c\/strong\u003e\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003e\u003cb\u003e\u003ci\u003eFarrelly, Heidi:\u003c\/i\u003e\u003c\/b\u003e - Heidi Farrelly is a bestselling finance author from 'down under'. Her books have helped thousands of people reassess how they view money, and plan their futures. 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In these financially tough times, the insights offered are of value to younger households as well as seniors. This book is an easy, thought-provoking read. Not only does it contain timely information on frugal living, it is written in a conversational, humorous style, with short chapters that cater to today's hectic lifestyle. To better prepare for his approaching retirement on a shoestring budget, Frank Nellis read two bestsellers on the subjects of frugality and retirement. The first was The Complete Tightwad Gazette by Amy Dacyczyn. Her book contained useful material, but with her endorsing dumpster diving for canned foods and like suggestions, Nellis felt the standard of living she described was below the level many retirees aspire to. The second bestseller Nellis perused was Retire on Less Than You Think: The New York Times Guide to Planning Your Financial Future by Fred Brock. That book suggested working in a high-income metropolitan area and buying an expensive home in the suburbs. A prospective retiree could later sell the nice home, use the equity and any appreciation to downsize to a modest home in a low-cost-of-living area, and use the price difference between the two homes to fund retirement. For Nellis, this did not seem a viable option for less well-off individuals who lack big homes and who retire on meager incomes. The author felt the literature on frugal retirement contained a large niche between these two authors' works. He was convinced many retirees live well on limited incomes. He described this \"middle ground\" of simple living by chronicling the experiences of his first year of retirement. That chronicle, which morphed into this book, proves a useful vehicle to convey the nuts-and-bolts of thrifty living.\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003eFor the author, thrifty living is not just a recent concern, but rather a way of life dating from the 1940s, when he was born the eldest in a family that eventually grew to 12 children. By necessity and by choice, Frank Nellis has lived the simple life. He grew up in Evansville, Indiana. After high school, he enlisted in the Army, serving in the Washington D.C. area and Southeast Asia. Frank graduated from Indiana University, where he met his wife and also earned master's degrees in Economics as well as in East Asian Language and Literature. After college, Frank worked various jobs, including serving as an adjunct university professor in economics. However his most memorable job may have been a stint as elephant keeper at a zoo. Frank and his wife live on four acres in a rural Indiana county near Evansville, and they raised two daughters in that country setting. In early 2008, as work stress and health issues collided, Frank decided to retire early, which required that he begin living on a thousand dollars a month. This book, in which he has chronicled that yearlong lesson in frugality, should help readers discover novel ways to live comfortably on a more limited budget, whether they are thinking about retiring or just trying to get by in hard times. Since retiring, Frank spends time fishing, organic gardening, hobby farming, and writing. Access his blog at www.tightlivingfortoughtimes.blogspot.com.\u003cbr\u003e","brand":"Createspace Independent Publishing Platform","offers":[{"title":"Default Title","offer_id":50337358512402,"sku":"9781450569071","price":8.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_9c5dde44-c957-4aaa-a4ba-2c56a5b29a7f.jpg?v=1727961353"},{"product_id":"the-smart-easy-guide-to-personal-finance-family-budgeting-your-financial-workbook-to-budget-management-saving-money-programs-paying-off-debt-9781493699469","title":"The Smart \u0026 Easy Guide To Personal Finance \u0026 Family Budgeting: Your Financial Workbook to Budget Management, Saving Money Programs, Paying Off Debt \u0026","description":"Money is the root of all evil. A source of tension, discord, and all kinds of family squabbles, dealing with money on your own is bad enough. Dealing with money and your family can be downright difficult - or even worse. It doesn't have to be the source of tension or disputes or family rivalry. All of these problems spring up simply because a proper family budget has never been drawn up. Whether your a whiz of an accountant or a complete fiscal beginner, there's no time like now to get your family finances back on track and your life under control. 'The Smart \u0026amp; Easy Guide To Personal Finance \u0026amp; Family Budgeting: Your Financial Workbook to Budget Management, Saving Money Programs, Paying Off Debt \u0026amp; Planning for the Future' is here to make it easier. Self-reliance and family harmony are what this book is all about. Complete budgetary transparency and planning is not only possible, it's simple, straightforward and just takes the application of some simple rules and even simpler strategy. After all, there's no more difficult way to drive, than with no map through unfamiliar territory. This book is your map to: - Basic budgeting - how to do it and how to keep with it for your entire family - Simple changes to your thinking - about money, about spending, saving, planning - Quickly learn to manage what your earning and plan to save and spend it carefully - Eliminate any false sense of wealth or security, and learn to better enjoy and use the resources you have now Buy your copy today of 'The Smart \u0026amp; Easy Guide To Personal Finance \u0026amp; Family Budgeting: Your Financial Workbook to Budget Management, Saving Money Programs, Paying Off Debt \u0026amp; Planning for the Future'  Every family can find itself over-extended at some point, but the secret is to minimize occurrences of coming up short and plan, plan, plan so that every step is predictable and following in your own financial outlook. Eliminating envy and all of the motivations that lead people off of their planned budget is just part of the picture. It doesn't take complicated excel budgeting spreadsheets or budget templates, but a sure understanding of how the big picture fits into your day-to-day spending and consumption. Very often, just a glimpse of the bigger picture is enough for people to plan and forecast better, and then living with a sound family budget is that much easier. All readers will quickly learn to: - Delay purchases - and set reasonable financial and budgetary goals that everyone can live with - Establish and adjust to spending limits that really start to make sense - Work with expenses, necessities and extras, like a real pro, eliminate the unnecessary and plan for the unexpected. - Better manage or eliminate credit cards, ATM machines, and cash advances 'The Smart \u0026amp; Easy Guide To Personal Finance \u0026amp; Family Budgeting: Your Financial Workbook to Budget Management, Saving Money Programs, Paying Off Debt \u0026amp; Planning for the Future' has the answers. Understanding your income sounds simple, but you can't really begin to do it without planning and living with a smart family budget. When you're planning for your own children and loved ones, the impetus becomes that much stronger. This guide is designed to provide the basic fundamental framework so your family budget becomes second nature and every place where you can save is noted. Readers will also have the resources to better plan so that the entire family can benefit from sound planning and budgetary restraint. And the unexpected is far better accounted for because you're already doing the accounting. A one year cycle can suddenly seem like a much more manageable and bigger pot of money. A good family budget goes a long way to making every member of the family happy and well-provided for, too. 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