Personal Budget

When it comes to saving and spending money, we’re not all the same. Yet for too long, the financial advice world has treated us as if we are. This audiobook will give you the tools you need to make that long-awaited financial breakthrough, allowing you to discover your ‘Financial Phenotype’: the unique combination comprising your money story, your money environment, your money type and, just as importantly, the habits, triggers and tricks that are right for you.

For most people, budgeting conjures up the same feelings as, say, prison and dieting. But your initial instinct couldn't be further from the truth. You just haven't budgeted the right way. You Need a Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. A liberating, enabling, empowering budget will actually make you feel more free, not more restricted.

As a financial journalist and educator, Dana Miranda is on a mission to liberate listeners from budget culture: the damaging set of beliefs around money that rely on restriction, shame, and greed—much like diet culture does for food and bodies. In this long-overdue alternative to traditional budgeting advice, Miranda offers a new approach that makes money easy for everyone, regardless of the numbers in their bank account.

The Automatic Millionaire starts with the powerful story of an average American couple (he's a low-level manager, she's a beautician), whose joint income never exceeds $55,000 a year, who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings.

This book is for everyone. Whether you are seeking a way to avoid living paycheck to paycheck, or you want to give yourself a financial checkup to see if you are a good steward of your funds. This is a great gift for anyone who is seeking self-development, or who wants to improve their financial standing in their life journey. Personal budgeting enables you to be in the position to know where you need to modify your lifestyle and make significant adjustments to ensure a bright and happy financial future.

With the recent cost of living crisis, we are all looking for ways to cut bills and save money. Ann Russell, who is best known as 'TikTok's Auntie', has lived much of her life on a tight budget, and since energy bills first started rising, has been answering fan's questions not just about cleaning but about all kinds of ways to economise. Following on from her first book, How to Clean Everything, in How to Save Money Ann will share her advice on the best ways to save money and cut back in all sorts of areas.

Here, the FUBU founder and star of ABC's Shark Tank shows that, far from being a liability, broke can actually be your greatest competitive advantage as an entrepreneur. Why? Because starting a business from broke forces you to think more creatively. It forces you to use your resources more efficiently. It forces you to connect with your customers more authentically and market your ideas more imaginatively.

As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall.

Discover how to live well, feel energised, and enjoy vibrant health with simple, budget-friendly strategies that truly work.

This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget. This is not a get rich quick book. But I can promise day-by-day, month-by-month, you'll budget better and become richer as a consequence. Regardless of how much your income is we'll find a way to budget, save, and increase your net worth.

Many people are neck deep in debt and have very bad credit reports today because of lack of proper financial planning. You see, the difference between the rich and the poor is that the rich have been able to quickly learn and understand that money management is a skill that must be carefully mastered. No matter how rich you are or how much money you make, you cannot stay wealthy for a long time if you don't know how to manage your money.

Does the topic of money and personal finance stress you out? Would you like to learn more about living an ‘expensive’ life on a budget? Instead of feeling constricted and broke when you are on a slim income or have debt to pay off, ‘Financially Chic’ invites you to look upon it as a fun and exciting adventure; where you gain as much enjoyment as possible for the least amount of cost, as well as learning to get ahead financially. It feels creative and satisfying and will set you up for a lifetime of good habits, no matter the age you are starting from.

From the moment you discovered you were going to be a mom, you envisioned spending each day with your kids, guiding, teaching, and loving them. But diapers, wipes, shoes, and braces are expensive. Though it may feel impossible to manage on one income, author Erin Odom of The Humbled Homemakerblog is here to tell you that, through God's grace, staying at home with your kids isn't just doable; it's doable while living the good life. Erin shares 100 tips, tricks, and simple ways that she has provided the good life on a budget for her family, and you can do the same.

Are you thinking about eating healthy, but not sure how to save money? Would you like to being healthy eating all while you budget like a pro? Then, Cooking on a Budget is for you! This short guide about properly budgeting for healthy eating habits includes: Cooking 101, a back to basics approach to food preparation, budgeting for beginners, how to save and eat what you want, how to incorporate healthy cooking into your daily life, information on money saving most dieting books won’t cover, and more.

This audiobook will show that your subconscious is the most powerful tool to help alter your life in a positive manner.

When you're trying to manage a busy family, it's easy to lose sight of the things that really matter and feel like you're drowning in worries while the pennies are drowning away. So many of us feel we have to pretend to be wealthier than we are and try to hide it when we can't afford something. Why though, when we are all sharing what we had for our tea and how many press ups we did that morning on social media, can't we be more honest about our finances? Why is there still so much shame and secrecy about being a bit strapped for cash, or in debt?

Do you spend on a lot of junk that doesn’t make you happy? Does money bring anxiety, stress, and debt into your life? If your savings account is nonexistent and you have no idea where your hard-earned money is going, it’s time to redefine your spending habits.

If you ever wondered what it would be like to move abroad and just how to go about it, look no further than this book. Rediscover places you have always loved and discover some you may never have dreamed of. The one thing they all have in common is that you can live and thrive there for way less money than you can in the United States. Imagine living in paradise on your social security income.

If you have failed at budgeting before, if just seeing the word "budget" makes you feel anxious, worried, and even shameful, then maybe you aren't the problem. Maybe it's the budget you used that is broken. We are here to fix that. There's a way to budget that is simple, empowering, and that can even add happiness to your life. The Happy Giraffe Budget.

Discover your ideal retirement lifestyle in just a few weeks, even if you've struggled to find the right path until now! Are you worried your newfound freedom may lead to boredom or a lack of purpose? Do you want to stay vibrant and energized in your post-retirement years? You’re not alone. Many retirees face similar fears, but it doesn't have to be that way. Things to Do in Retirement is the ultimate guide to transforming your retirement into the most exciting chapter of your life!