Major financial mistakes no longer have to be a rite of passage for adulthood. But First, Save 10 casts aside self-judgment budgeting, demystifies common financial jargon, and teaches a simple approach designed to yield abundance and joy. Plan retirement on your own terms and buck that unfulfilling job or start your dream business-this system is your ticket to a life of true freedom, however you define it. With a pay yourself first cash management system combined with automation, you'll accomplish what prior generations have collectively failed to do: 1. Save (enough) and invest to retire;2. Create, fund, and retain an emergency fund;3. Save for future expenses that bring joy, security, and freedom;4. Pay down debt aggressively and use debt sparingly and responsibly;5. Design a life with low fixed overhead; and6. Enjoy spending the rest. Finally, we have a sustainable routine, adaptable for any income at any life point-a system that offers the power to design our futures and define our destinies.

WALL STREET JOURNAL BESTSELLERIn her late twenties, Cait Flanders found herself stuck in the consumerism cycle that grips so many of us: earn more, buy more, want more, rinse, repeat. Even after she worked her way out of nearly $30,000 of consumer debt, her old habits took hold again. When she realized that nothing she was doing or buying was making her happy--only keeping her from meeting her goals--she decided to set herself a challenge: she would not shop for an entire year.The Year of Less documents Cait's life for twelve months during which she bought only consumables: groceries, toiletries, gas for her car. Along the way, she challenged herself to consume less of many other things besides shopping. She decluttered her apartment and got rid of 70 percent of her belongings; learned how to fix things rather than throw them away; researched the zero waste movement; and completed a television ban. At every stage, she learned that the less she consumed, the more fulfilled she felt.The challenge became a lifeline when, in the course of the year, Cait found herself in situations that turned her life upside down. In the face of hardship, she realized why she had always turned to shopping, alcohol, and food--and what it had cost her. Unable to reach for any of her usual vices, she changed habits she'd spent years perfecting and discovered what truly mattered to her.Blending Cait's compelling story with inspiring insight and practical guidance, The Year of Less will leave you questioning what you're holding on to in your own life--and, quite possibly, lead you to find your own path of less.

The thrilling #1 bestselling memoir by adventure legend and survivalist Bear Grylls.Bear Grylls has always sought the ultimate in adventure. Growing up on a remote island off of Britain's windswept coast, he was taught by his father to sail and climb at an early age. Inevitably, it wasn't long before the young explorer was sneaking out to lead all-night climbing expeditions.As a teenager at Eton College, Bear found his identity and purpose through both mountaineering and martial arts. These passions led him into the foothills of the mighty Himalayas and to a karate grandmaster's remote training camp in Japan, an experience that soon helped him earn a second-degree black belt. Returning home, he embarked upon the notoriously grueling selection course for the British Special Forces to join the elite Special Air Service unit 21 SAS—a journey that would push him to the very limits of physical and mental endurance.Then, disaster. Bear broke his back in three places in a horrific free-fall parachuting accident in Africa. It was touch and go whether he would walk again, according to doctors. However, only eighteen months later, a twenty-three-year-old Bear became one of the youngest climbers to scale Mount Everest, the world's highest summit. But this was just the beginning of his many extraordinary adventures. . . .Known and admired by millions as the star of Man vs. Wild, Bear Grylls has survived where few would dare to go. Now, for the first time, Bear tells the story of his action-packed life. Gripping, moving, and wildly exhilarating, Mud, Sweat, and Tears is a must-read for adrenaline junkies and armchair explorers alike.

*A Refinery29 Best Book of 2018**One of Real Simple's Most Inspiring Books for Graduates**Indie Personal Finance Bestseller*How to get good with money, even if you have no idea where to start.The Financial Diet is the personal finance book for people who don’t care about personal finance. Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary.The Financial Diet will teach you:• how to get good with money in a year.• the ingredients everyone needs to have a budget-friendly kitchen.• how to talk about awkward money stuff with your friends.• the best way to make (and stick to!) a budget.• how to take care of your house like a grown-up.• what the hell it means to invest (and how you can do it).

Take charge of your finances and achieve financial independence – the Clever Girl way Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side. \nMonitor your expenses, build a budget, and stick with it Make the most of a modest salary and still have money to spare Keep your credit in check and clean up credit card chaos Start and succeed at your side hustle Build a nest egg and invest in your future Transform your money mindset and be accountable for your financial well-being Feel the power of real-world stories from other “clever girls” Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.

Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy read reveals how anyone—from millennials to baby boomers—can still make their dreams come true.In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop.Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine.The Latte Factor demystifies the secrets to achieving financial freedom, inspiring readers to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).

In this book you’ll learn how to use No-Spend Challenges to reach your financial goals faster and transform your spending habits to finally be able to stick to a budget. Budgeting and money management are some of the hardest concepts for people to nail down. You can have all the knowledge available and suck at executing it. Jen Smith, creator of the debt freedom blog SavingWithSpunk.com went from not being able to stick to a budget longer than two weeks to paying off $78,000 of debt in less than two years. She shares her experiences and strategies using No-Spend Challenges to change her money mindset and budget like a (mostly) pro.In The No-Spend Challenge Guide you’ll discover: - Why budgeting alone isn’t working - The psychology behind your impulsive spending - How to pay off debt fast while still having fun - Ways to do for free what you’ve probably been wasting money on - Ways to save money on your financial obligations - How to make the most of your time without spending money - Discover what you valueYou’ll also get a free resource guide with every recommendation in the book in one place.Whether you’re paying off student loan debt, saving for your first home, or just trying to control your spending; This is a personal finance book you’ll return to again and again. Scroll up and Buy Now to start mastering your budget!

Many people know one or two things they can do to save money, like cutting back on vacations and meals out, but beyond that, they're stumped. When they look at their current lifestyle, they have no idea where they can trim the fat without sacrificing their quality of life.That's exactly what this guide will do. It will help you identify small, painless changes you can make to your daily habits that can add up to big savings--while bringing you closer as a family. By grouping these money-saving tips into a room of the house or errand on a to-do list, you can immediately put your suddenly frugal plan into action--and instantly begin saving money.By pinpointing the dollar amount associated with each cost-saving step, financial whiz and mom Leah Ingram will inspire you to embrace--and enjoy--your new frugality.

An Amazon Best Book of 2019 So Far!\n"[An] easy-to-follow guide to creating a healthy personal relationship with money."―Publishers Weekly\nCreate lasting happiness with your financial situation ― not by creating a blistering budget but by living the life you love!\n Ashley Feinstein Gerstley was working in financial services when she came to the shocking realization that even she was stressed about her personal finances. How could that be, with all her education and experience in dealing with money? Ashley quickly realized that her stress didn't only arise from a lack of knowledge but the way that we as a society treat and talk (or rather don't talk) about our money, and she created a system to turn the entire practice on its head!\nThrough Ashley's system, in just 30 days you will have created a healthier, happier relationship with your money by: \n\n Eliminating all money stressors\n Finally knowing where your money is going\n Breaking those panic-inducing bad money habits\n Learning the basics of how and where to invest\n Making a plan that you can not only live with but enjoy\n\nReaders who have tried the 30-Day Money Cleanse have, on average, saved over $950 through the course of the month! Are you ready to cleanse?

Wall Street Journal Bestseller\nExperience a life free of financial stress and transform your relationship to money with this indispensable guide—the first book based on You Need A Budget’s proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live. \nNo 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:\n\nGive Every Dollar A Job. Be intentional about what you want your money to do before you spend it.\nEmbrace 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.\nRoll 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.\nAge 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.\n\nThis 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....

Use cold water for most clothes washing and save up to $63 a year. Minimize your carload and reduce your gas mileage by as much as 5 percent. Invest in a deep freezer and fill it up with meat discounted at 30 percent or more. Take a look at your life and you'll realize that there's almost always a way to make do on less. This book offers up a bevy of ways to cut down on costs and still enjoy a satisfying lifestyle in any situation. From practicing good gas conservation habits to learning to love leftovers, this book will help every aspiring penny pincher stop the unnecessary spending and find the fun in frugality!

WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICKStop 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!

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.\nIn 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.\nAnna’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:\n\nCreating a personalized Debt-Free Life Pledge.\nUnderstanding where your money is going when you’re in debt, and where it will come from to pay it off.\nLearning why putting money into a savings account before (or while) paying off debt may not be the best idea for you.\nFinding additional income sources and generating side gigs.\nRe-integrating spending into your life once you’re out of debt, so that you stay out of debt.\n\nFilled 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.

“Donna writes with a laser-sharp focus on strategies that will help you through tough times. … (Her) advice can inspire hope if you feel that you’ve reached a personal or financial dead end.”\n – Clark Howard, consumer expert and nationally syndicated radio host\n Award-winning personal finance writer Donna Freedman provides realistic tactics, actionable advice, and a sense of ownership and hope in her new book. It’s aimed at three groups of people:\n --Those already living on the margin\n --Those who see tough times coming (layoffs, illness)\n --Those who want to live lean to realize a dream (entrepreneurship, early retirement, etc.)\n “Playbook” is full of solid, actionable advice, resources and encouragement. Readers will take away specific tactics to slash the cost of housing, health care, shopping, utilities, clothing and entertainment.\n They’ll learn how to conduct a “financial fire drill” to get control of their money, how to find short-term help during crises, and how to build savings (even on the tightest of budgets) for emergencies and retirement.\n If you’ve landed in a difficult situation – or were born into one – then the only way out is through. This book gives consumers the tools they need to rewrite their financial lives.\n WHAT THE EXPERTS SAY:\n “Deciding to read this book could be that one decision that stands between you and a totally different life.”\n – Mary Hunt, creator of Debt-Proof Living and author of more than three dozen personal finance books\n “This is an essential manual for anyone aiming to live large on a small budget. One of a small number of books that has earned a permanent place on my reference shelf.”\n – J.D. Roth, founder of Get Rich Slowly and Money Boss and author of Your Money: The Missing Manual\n “A clear, concise and complete guide that will help you change your life. As someone with more than 30 years in the financial planning and personal finance writing fields, I can attest that you won’t find a better step-by-step guide anywhere.”\n – Gary Foreman, The Dollar Stretcher\n “Donna imparts all this wisdom with empathy and compassion – along with the occasional kick in the butt. She’s also one of the funniest people you’ll ever have the pleasure of reading, so get started already!”\n – Liz Weston, author of The 10 Commandments Of Money, Deal With Your Debt, Easy Money and Your Credit Score: How to Improve the 3-Digit Number That Shapes Your Financial Future\n “The great thing about Your Playbook For Tough Times is that it’s not just advice to use when the going gets tough. It’s advice that, when followed, will keep you from experiencing tough times in the first place. This should be required reading for everyone, whether starting out or starting over.” – Stacy Johnson, Money Talks News\n “The ultimate guide to cutting costs, getting spending under control and taking charge of your finances. Whether you’re struggling to pull yourself out of a bad financial situation or just want to start living a more frugal life so you have more money to enjoy the things that really matter to you, you’ll find the advice you need in this book." – Cameron Huddleston, award-winning personal finance journalist

“The newbie investor will not find a better guide to personal finance.”—Burton Malkiel, author of A RANDOM WALK DOWN WALL STREETTV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse.They’re wrong.When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral.Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

You Can Save Thousands a Year on Your Grocery Bill WithoutCutting Coupons\nImagine grocery shopping once-a-week or less, eatinghealthier, and having more free time―all while saving money. Sound too good tobe true? For the Economides family, it’s a reality, and it can be yours too.\nWhat could the average family do with an extra $3,000 ayear? America’s Cheapest Family® shows you strategies, tips, tools, and tricksin Cut Your Grocery Bill in Half, so you can achieve huge savings year afteryear. It’s a fact, the Economides say, saving money on groceries is one of thequickest ways to start making a positive difference in your family’s financialfuture.And these tips and strategies can work whether you’re shopping for seven or forone.\n\nSpend less time shopping and cooking\nGet more bang for your grocery buck\nPlan meals for picky eaters and busy schedules\nDiscover kitchen tools that streamline meal preparations\nLearn many ways to eat out or eat in and save big\nTurn your freezer into a money-making machine\n\nEndorsements:\n"Manypeople think that it's impossible to reduce your grocery bill by 50%. But youcan. Steve and Annette Economides provide step-by-step instructions in "CutYour Grocery Bill in Half." Tools that are practical and easy to follow.No special shopping or cooking skills required. Anyone can see a surprisingreduction in their grocery budget if they follow the Economides' methods. And,best of all, the savings begin right away. You don't need to finish the wholebook to benefit. You'll find money-saving ideas that you can put to use in thefirst chapter, and every chapter thereafter. Normally I advise people to check booksout of the library and save the cost of the book. But this is onedo-it-yourself guide to lower grocery bills that you'll want to have on yourbookshelf or kitchen countertop."Gary Foreman, Publisher, The DollarStretcher.com“If you are eager to save on groceries, but don't always have the time to clipcoupons, this book is for you! It’s perfect if you're interested in more waysto cut costs, reduce waste, and get organized. This is an awesome book for thenovice or the skilled cook.”Tawra Kellam and Jill Cooper―editors of LivingOnADime.com and authors of “DiningOn A Dime Cookbook”“I'veknown Steve and Annette for several years and they definitely live what theybelieve. If you're serious about spending less money at the grocery store, thisbook offers some practical ways to achieve your goal. When it comes tostretching your dollar, I know of no one with more experience than Steve andAnnette.”JJ Heller―Singer/Songwriter