Do you want to break your impulse shopping addiction and habit of buying stuff, without dramatically changing your life? Do you want to save money? Do you want to be Underspent, not overspent? Right now, the rising cost of living is one of the biggest issues in Australia, America and the UK. According to the media, the average American owns 3.5 credit cards and owes US$15,799 in credit card debt. Three out of five American families cant pay off their credit card debts. In the UK, someone is declared insolvent or bankrupt every five minutes, and a property is repossessed every eighteen minutes. Thirteen per cent of Australian adults and seventeen per cent of Aussie kids live below the poverty line, whilst the average Australian adult spends the first eight weeks of each year working just to pay for their car. There are more than eighteen million shopaholics in the United States, and five per cent of all waste in Australian landfill is discarded clothing. In this groundbreaking and entertaining book, Rachel reveals the Seven-Step Process she took to break her shopping addiction and buying habit, without dramatically changing her life. For Rachel, the ultimate result of implementing the seven steps set out in this book was: •being Underspent-spending less than usual (she was spending less money than was required and expected) •breaking her impulse shopping addiction and habit of buying stuff •saving 38 per cent of her net (take-home) annual salary •feeling happier and more content. This is a book that people can use, not just agree with. Underspent examines in detail the problems caused by impulse shopping addictions, what triggers our shopping and buying, the challenges and personal battles we face when quitting and the seven steps to being Underspent. This is a practical guide for men and women who want to quit shopping and save money. With case studies, stories, information and practical exercises, Rachel shows you how to apply the seven steps.
Are you tired of overspending on clothes yet still looking average? Make no mistake, you are beautiful regardless of what you wear. But when you spend $100+ for an outfit, you want it to look more than average. No one wants to spend a lot for clothing. Thats where Goodwill comes in! Goodwill organizations across the country do good for both people and the communities in which they reside. They are also the ultimate retail location for getting great deals on name brand clothing! Jean Kelley has spent decades in the corporate world, helping people improve their leadership skills and ultimately their success. In Dress Like a Million from Goodwill, Kelley shares her years of observing workplace wardrobes to help you save a bundle, look better, feel better, and have enhanced confidence. Whether you love shopping or despise it, this book will be a reference for you. With the tips, pictures, and examples in this book, you will soon have the confidence that a terrific wardrobe gives you, without breaking your budget.
This audiobook is about discounts and how they can help you with saving money. David Duke covers the good, bad and ugly sides of sales deals. You´ll get acquainted to why stores offer goods at reduced cost as well as how to see the difference between real bargains and offers that can actually make you lose your hard-earned money. 1. Language: English. Narrator: Jocelyn Ahlf. Audio sample: http://samples.audible.de/bk/acx0/010941de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Unlock the keys to save money shopping offline. The age of the Internet has allowed people to connect with each other like never before. It´s opened up an entire world of music, thoughts, cat videos and, of course, shopping. Online shopping has experienced a boom in recent years for good reason. There are many perks to shopping online: great deals, access to rare or specialty items, the ability to shop from your couch in your pajamas, and instantaneous access to reviews. However, anyone who has shopped online knows that it has its pitfalls: sizing clothing and shoes can be difficult, the colors may look different online, and quality is hard to judge. Most of all, grocery shopping and perishable items can usually only be purchased in person. That´s why offline shopping has never disappeared, or ever will. You can judge the quality and worth more easily when you can touch and feel an item. You can try things on before you buy them and skip the hassle of returns. You can also turn it into a social activity by inviting a friend to shop with you. New products that you may have never thought about may catch your eye. Unfortunately, all of this may cause you to become overwhelmed plus without the proper techniques may be expensive. In Offline Shopping Hacks, discover how to: Use the Internet to optimize offline shopping Use coupons found online for offline products Utilize coupon aggregators for secret savings Map out a store for optimal shopping Create a shopping pyramid to stick to a budget Use an everyday office supply to stay on budget Recruit shopping squad for major store events Buy in bulk without breaking the bank Predict the future to capitalize on sales Find luxury items for low prices And more for you to unlock! Find these tricks and more in this book! With these tips, offline shoppin... 1. Language: English. Narrator: Life ´n´ Hack. Audio sample: http://samples.audible.de/bk/acx0/093407de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Truth is, there´s no secret to spending and saving wisely. Rather, living a financially secure lifestyle is as simple as taking time-proven steps today to solve past credit problems, while also preparing for a financially successful future. Others have done it. Anyone can do it. So can you. You just need someone to show you how. In Credit 911, Rodney Anderson does just that. Rodney tackles tough topics such as how to navigate through marriage, divorce, bankruptcy, foreclosure, dealing with collection agencies, the dangers and pitfalls of online shopping, protecting consumers´ identities, and many others that get to the heart of America´s financial and credit meltdown. A consumer credit expert, host of CBS Radio´s Saving Your Financial Life with Rodney Anderson, and the creator of the Medical Debt Relief Act of 2009, Rodney Anderson provides people of all ages and skill levels with a powerful set of strategies for surviving the current credit crunch and solving a wide range of common credit problems. Whether you´re facing foreclosure, bankruptcy, or mounting debt, or you´re looking for ways to secure your financial future, Credit 911 can show you how to: Deal with collection agencies on your own terms Understand the credit system from an insider´s perspective Defend against the deceptive practices of credit card companies Boost your credit score and effectively monitor your credit Find your financial Mr. or Mrs. Right Avoid financial disaster when getting divorced Pick the right mortgage lender and Realtor Recover from bankruptcy and foreclosure With over 20 years of experience advising real people on their very real credit problems, Rodney Anderson possesses an intricate understanding of what it takes to manage money effectively and to take control of one´s financial life. And, after listening to Credit 911, so will yo... 1. Language: English. Narrator: Don Hagen. Audio sample: http://samples.audible.de/bk/gdan/000449de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Want to learn exactly how to get started saving money and learn what the pros do? Discover the secrets for successful money saving that teach you how to keep to your budget every time...even as a beginner! Just follow the instructions and you´ll be saving like a pro in no time! Are you ready to get started on your journey to becoming a skilled money saver? Yes? Then let´s get started! All too often a budding budgeter will rush right out, buy up all the bargains they see and end up spending more than they would if they had thought about it first. A bargain is not a bargain unless you need it. Sadly, the experience is usually less than positive and they arrive home tired and dejected with an empty wallet yet again. The bargain products end up in the kitchen bin because they went bad before they could be used and the dream of staying within your budget disappears. Another scenario that occurs frequently is going shopping with a buddy or acquaintance presenting himself as a self-proclaimed ´´expert´´. You know the type. He knows it all and proceeds to let you know everything you are doing ´´wrong´´. Before you know it you have connected the experience with the jerk and you let the whole money saving idea fade into oblivion. It doesn´t have to be like that. You can learn the basics of saving money and take it to whatever destination you desire. This book gives you everything you need to get started. Not only will you learn how to select the right bargains for your needs, you will learn also learn how to maintain that budget. 1. Language: English. Narrator: Charles King. Audio sample: http://samples.audible.de/bk/acx0/082829de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Learn Everything You Need to Know About Bargain Shopping and Saving Money! In Bargain Shopping: The Ultimate Guide to Save Money on Groceries, Spend Less, and Live a Frugal Lifestyle, you´ll learn all the fundamentals of couponing and adopting a more frugal lifestyle. This book covers a wide array of topic areas, such as how to save money on groceries, how to organize your coupons, and why frugal living is the secret to happiness. It´s not easy to live on a budget, but doing so could completely change your life for the better. Here is a preview of what is inside this book: What is Bargain Shopping? A History of Coupons and Discounts Why Frugal Living Is the Secret to Happiness The Seven Key Benefits of Saving Money Through Bargain Shopping Eleven Smart Ways to Find Coupons and Deals How to Shop Smart: Tips and Tricks to Save Big How to Organize Your Coupons Every Week Inside the Other Half´s Mind: Why do stores even offer discounts? Marketing Traps: How to spot fake discounts versus real discounts in stores Things You Must Know About Store Coupon Policies Loyalty Programs: Why do they exist, and why should you care? Sixteen Useful Resources for Snagging the Best Deals Conclusion Final Word/About the Author 1. Language: English. Narrator: Charles Henderson Norman. Audio sample: http://samples.audible.de/bk/acx0/029811de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
A bad deal for Mrs. Frugalicious. When Maddie Michaels, AKA Mrs. Frugalicious, is invited to take a local news crew with her on a Black Friday shopping expedition, she’s excited to show viewers at home how to score the season’s best savings. Despite a negative comment from Contrary Claire - the sole naysayer in her growing Frugarmy - Maddie is hopeful her first TV appearance will be a bargain-savvy success. But Black Friday eve takes a bleak turn when a shopper is crushed beneath a pallet of toasters. After learning that the victim could be Contrary Claire, it becomes clear that Claire has made more than one enemy. Maddie finds herself dealing once again with a murder investigation. Will she catch the killer before someone else is slashed like a sale price? 1. Language: English. Narrator: Tavia Gilbert. Audio sample: http://samples.audible.de/bk/adbl/011866de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.
Master your saving and spending habits. This book contains proven steps and strategies on how to improve your understanding of money and help you to master money saving and spending habits. Your money-making capabilities depend on your understanding of the psychology of money. Even you buy money-saving books to learn about money-making, without understanding the psychology of money, it will be difficult for you to change your money mindset. What made you buy this book? Are you facing the same problems others have understanding money? Are you wondering why you are failing to save enough money even after reading many money-saving books? Why you are not able to stop yourself buying unneeded and costly items? Have you ever wondered why you handle money the way you do? Perhaps you´re a saver and you feel satisfaction every time you look at your growing account balances and displeasure when you need to buy something or maybe you enjoy doing shopping, looking at life as something to enjoy, so you buy on impulse and pay little attention to how you´ll survive in the future. A good money mindset is always needed to have good personal finance. While many people believe that money-handling habits come from parents or caregivers, current research is proving that our habits aren´t just based on conditioning and money management lessons we learned as kids. There are spenders and savers in the same families, kids who grew up in poverty and still develop great wealth, and heirs who blow the family fortune. If it´s not how you´re brought up, what does shape the way you view money? Buy your copy today! 1. Language: English. Narrator: Stephen Hufford. Audio sample: http://samples.audible.de/bk/acx0/066156de/bk_rhde_002536_sample.mp3. Digital audiobook in aax.