Do you spend on a lot of junk that doesn't make you happy? Instead of happiness, does money bring anxiety, stress,& 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. Living alone from the age of 14, I learned how to spend and manage money the hard way. Since my early teenage years, I had to earn my own money - which sometimes barely exceeded $150 for a month. In this book I'm sharing my insights on how to manage even the smallest income to outlast the month, and how to spend smarter on more fulfilling things. This book can help those people working their first jobs, or experienced people that just make poor money decisions. I will highlight the most common money myths, marketing tricks, and irrational beliefs people fall prey for and teach you to avoid them. Take charge of your money today. -Scientific research about the psychology of our spending habits -Learn how to spend less and save more and still enjoy life - regardless of your income -How to assess value to make the best financial decision -Map out your spending patterns to know where you need to change Like it or not, money is part of everybody's life. Learn to control it instead of letting it control you. -The top 5 reasons people spend money -Why the Six Persuasion Principles by Robert Cialdini get us almost all the time? -Understand online shopping and credit cards. Why are you more willing to spend using these? -Marketing tricks that always get you - deconstructed from subtle to overt You can turn a blind eye to your financial problems, but they won't disappear. Learn about the best personal finance practices of the rich and happy live a financially balanced life in the future. Build a solid foundation for your family and yourself. There is a thin line between being cheap and frugal. Learn how to spend without getting labeled as cheap and without sacrificing your family's wellbeing. Arm yourself against the most common spending mistakes. -How to break the vicious circle of shopping habits -Financial literacy crash course: A-Z finance vocabulary, the five pillars of financial literacy and more. -4 things you should invest in -Financial fasting and how to use it to your benefit -Key takeaway summaries at the end of each chapter Get financial awareness in your life: -Get a clear picture on the difference between the 401(k), 403(b), TSP, IRA and Roth accounts -TRFs (Target Retirement Funds), HSAs (Health Savings Accounts) and RMDs (Required Minimum Distributions) -Why should you have F-you money -How can your money take you to financial independence (The 4% rule.) Financial literacy changes the rest of your life. You will have a better relationship with money by thinking about it differently. You will know the unique ways to spend smarter and build wealth. Imagine not worrying about debt, bills and late payment fees anymore. Picture paying for things that actually add value and happiness to your life. Follow the tips presented in this book and make it reality.

There's an 80 percent chance you're poor. Time poor, that is. Four out of five adults report feeling that they have too much to do and not enough time to do it. These time-poor people experience less joy each day. They laugh less. They are less healthy, less productive, and more likely to divorce. In one study, time stress produced a stronger negative effect on happiness than unemployment. How can we escape the time traps that make us feel this way and keep us from living our best lives? Time Smart is your playbook for taking back the time you lose to mindless tasks and unfulfilling chores. Author and Harvard Business School professor Ashley Whillans will give you proven strategies for improving your "time affluence." The techniques Whillans provides will free up seconds, minutes, and hours that, over the long term, become weeks and months that you can reinvest in positive, healthy activities. Time Smart doesn't stop at telling you what to do. It also shows you how to do it, helping you achieve the mindset shift that will make these activities part of your everyday regimen through assessments, checklists, and activities you can use right away. The strategies Whillans presents will help you make the shift to time-smart living and, in the process, build a happier, more fulfilling life.

Do you dread opening bills and statements? Do you feel like your debts are spiralling out of control? Do you wish you had more money left at the end of the month? 'Spendsmart' authors and money experts Benjamin Fry and Jay Hunt take a unique and holistic approach to helping you deal with all your financial worries. Firstly, Benjamin examines the real reasons behind your overspending, so that you can understand how to change, and then Jay provides you with practical and realistic solutions for spending less. By following their proven 5-step plan, you will be able to identify your debts, learn how to live on a budget without depriving yourself and apply their strategies to the way you continue to spend money in the future. Packed with budgeting suggestions, helpful questionnaires, realistic tips, and fun ideas, 'Spendsmart' is a must-read for anyone who wants to make their money go further.

To put this another way, you need to spend more time in positive, healthy ways. You need fun, cool, creative things to do-on your own, with your friends, with your family, and with other adults who care about kids. This book helps you add constructive use of time to your life. Stories tell about kids who are doing this for themselves or a friend. In between are ideas for you to try-at home, at school, in your neighborhood, in your faith community, and with your friends. Some are quick and easy, and some take time. Some you can do alone, and some you'll want to do with other people. Pick one idea and start today. Add the constructive use of time you need! Book jacket.

Featured on The Drew Barrymore Show. The Social’s finance expert gives practical advice on how to spend, budget, invest, and feel good about money. Can money buy happiness? Maybe, but not like you may think . . . With Happy Go Money, financial expert Melissa Leong cuts through the noise to show you how to get the most delight for your dollar. Happy Go Money combines happiness psychology and personal finance and distills it into an indispensable starter guide. Each snappy chapter provides practical, easy-to-understand advice on topics such as spending, budgeting, investing, and mindfulness, while weaving in research, interactive exercises, and relatable anecdotes. Frank, funny, and empowering, this primer challenges everyone to revamp their relationship with their money so they can dial down their worries and supersize their joy. “Using humor and kindness, Leong shares a lovely starter guide to living a happier life with a better relationship to your money.” —Book Riot “A book that puts money, life and happiness in perspective. Loved every minute of it.” —Gail Vaz-Oxlade, author of Debt-Free Forever “Happy Go Money is informative but also accessible, smart and funny, silly and sexy, tough and also kind. It is, perhaps, the way money has always wanted to be represented. Melissa Leong has given her a makeover—and she looks SO good.” —Elaine Lui, LaineyGossip.com, and author of Listen to the Squawking Chicken “A must-read for anyone who wants to fall in love with their money.” —Shannon Lee Simmons, founder of the New School of Finance “Leong’s breezy, relatable writing style will appeal to a broad range of readers.” —Booklist