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Unlike many personal finance books, How to Manage Your Money When You Don't Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides a respectful, no-nonsense look at the difficult realities of our modern economy along with an easy-to-follow path toward better financial stability that will give hope to even the most financially strapped households.

Aquí tiene una metodología seria y directa para armar un presupuesto fuerte que usted puede seguir y soportar. Las historias de éxito hablan solas en este libro del maestro del dinero Dave Ramsey. En lugar de prometer la dosis normal de remedios rápidos, Ramsey ofrece un método atrevido y sensato para los asuntos de dinero, proveyendo no sólo la manera sino también la esperanza arraigada que eleva el espíritu para salir de las deudas y alcanzar la salud financiera total.

You Only Live Once is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about why. Where do you see yourself financially in 10 years? Five years? This time next year? What does money do for you? Once you know your destination, you can begin charting your course. Step-by-step guidance walks you through the budgeting process, and shows you how to plan your financial path to point toward your goals.

Jean Chatzky, author of numerous best-selling books and financial editor for NBC's TODAY, answers frequently asked questions about budgeting and cutting spending.

How would you like to save $100 or a £100 over the next 30 days? If you have an income and regular outgoings such as food, transport, and entertainment, this guide just might be for you.

Having financial hardships? That's the frightening reality of adulthood. Sometimes it's best to go back to basics. Instead of buying something that will fade, break, or go out of style, get something that will help you now and in the future. How to Be Financial AF is a light-hearted, funny audiobook with the fundamental parts of finance. It has real-life advice, examples, and actionable tips we were never told. With these tips and strategies shared in this book, you'll be able to take action immediately and make instant impact in your life.

Debt Elimination - The Ultimate Guide to Financial Prosperity can help anyone eliminate debt and build financial prosperity. The techniques in this book are simple to understand and easy to implement into your everyday life. You can become debt free with the money you are currently making. Once debt free you can use the freed up money to build your wealth. Most individuals can become debt free in as little as a few years, if they take action and apply these simple techniques. Results will vary depending on the different amount of debt each person may have.

With Daily Debt Free Habits, learn practical, daily, effective habits that you can use to reduce and eliminate debt forever. Each habit is clearly presented in a way that isn't complex or technical and, by the time you're done, you'll actually have fun working on being debt free. And just like daily exercise, your financial muscles will get bigger just like your bank account.

The subject of "money" remains one of the most fascinating, thought provoking, emotional, polarizing, and well-researched subjects in the world. Scores of books, articles, blog posts, and speeches have been written on what money is, how to earn it, how to spend it, who has it and who does not, and a myriad of other topics related to the effects that it produces. Yet, despite the constant focus and interest on the topic, there is one word that describes the average person's views around money: confusion.

Do you want to get out of debt? Do you want to fix your credit? Do you want to improve your financial situation? Then this introductory guide is for you!

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 70 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.

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. 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.

Inside Mario Robertson’s Medicare 2018-2020, you’ll discover how to get the benefits you deserve from this wide-ranging program. Whether you’re over 65 or have a covered disability, you (and 15 percent of the US population) need to access the full extent of your Medicare benefits. With this book, you can cut through all the outdated and confusing information out there - and find the help you need.

Are you desperate to make ends meet each month, constantly wondering if you can pay the bills? If debts are poisoning your life and you want to make your dollar go 10 times further, it's time to budget. Living alone from the age of 14, I learned to budget the hard way. Since my early teenage years, I had to earn and save my own money. In this book I'm sharing my insights about how to manage even the smallest income to outlast the month. I will give concrete, actionable advice based on my own and well-known financial experts' experience.

Experience a life free of financial stress, debts, bills, and late payment fees and transform your relationship with money into something pleasant. Being better with money changes the rest of your life. Follow the tips presented in this guide, and you'll get freedom from all your financial struggles.

The New York Times bestselling authors of The Carrot Principle and All In deliver a breakthrough, groundbreaking guide for building today’s most collaborative teams—so any organization can operate at peak performance.

A massive shift is taking place in the business world. In today’s average company, up to eighty percent of employees’ days are now spent working in teams. And yet the teams most people find themselves in are nowhere near as effective as they could be. They’re often divided by tensions, if not outright dissension, and dysfunctional teams drain employees’ energy, enthusiasm, and creativity. Now Adrian Gostick and Chester Elton share the proven ways managers can build cohesive, productive teams, despite the distractions and challenges every business is facing.

In The Best Team Wins, Gostick and Elton studied more than 850,000 employee engagement surveys to develop their “Five Disciplines of Team Leaders,” explaining how to recognize and motivate different generations to enhance individual engagement; ways to promote healthy discord and spark innovation; and techniques to unify customer focus and build bridges across functions, cultures, and distance. They’ve shared these disciplines with their corporate clients and have now distilled their breakthrough findings into a succinct, engaging guide for business leaders everywhere. Gostick and Elton offer practical ways to address the real challenges today’s managers are facing, such as the rise of the Millennials, the increasing speed of change, the growing number of global and virtual teams, and the friction created by working cross-functionally.

This is a must-read for anyone looking to maximize performance at work, from two of the most successful corporate consultants of their generation, whom The New York Times called “creative and refreshing.”

There are plenty of opportunities to learn how to save money. Believe it or not, listening to an audiobook about living within a budget is a good place to start. There are a number of reasons to worry about saving money. A book can help to make sure that you know all of the skills you need in order to save money.

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt free. 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.

Why does paying for things often feel like it causes physical pain? Why does it cost you money to act as your own real estate agent? Why are we comfortable overpaying for something now just because we've overpaid for it before? In Small Change, world renowned economist Dan Ariely answers these intriguing questions and many more as he explains how our irrational behaviour often interferes with our best intentions when it comes to managing our finances.

This life-changing guide to a higher credit score is written in plain English without any jargon, big words or confusing language. Just easy to implement action steps that will help you dramatically increase your credit score!