Delfau provides well-researched straightforward advice and guidance on insurance, taxes, and investments direct from the tax and financial professionals.

ABOUT THE BOOK Almost everybody dreams of saving time and money, two of the most precious resources in the modern world. When you become a mother, saving time and money becomes even more important, but it also becomes a little more challenging. Whether you are a fulltime homemaker, a self-employed professionalr who works from home, or a working mother who holds an outside job, making sure your family has three nutritious meals a day (plus snacks and other extras) can take up a surprising amount of money and energy. According to Gary Foreman of The Dollar Stretcher, many families spend up to 20 percent of their total income on food purchases alone. This figure can shift depending on different factors, but if it sounds high to you, then you can definitely benefit from taking greater control of your shopping trips and seeing the figures you really want. Before you had kids, a trip to the supermarket probably involved a quick spin around the store to grab healthy essentials and a few indulgences, based only on your tastes or those of your partner. EXCERPT FROM THE BOOK It's the digital age, and you can take advantage of modern conveniences even during basic tasks such as stocking up on groceries for your hungry family. Check out trusted online vendors such Amazon.com or the websites of well-known retailers to see if you can snag a better deal online than when shopping in person. Finding a good deal online cuts down on the process of driving to the store, locating your item, comparing it with other items available, waiting in line at the cash register, and so on. When you are shopping online, you can accomplish everything you need to do during a few quiet minutes between dinner and bedtime, or before the kids arrive home from school. After you compare deals and place your order, you just have to wait for your purchases to show up on your doorstep. The key here is to time your online purchases so that you do not have a gap between the time you need your purchase and the time it is delivered to your home. For instance, when you realize you are nearly running out of basics such as toothpaste or toilet paper, place an order for bulk items. By the time you are ready to restock with a pricey or time-consuming trip to the store, you will already have your new stock waiting... Buy a copy to keep reading!

Simple, but effective, savings tips for mums to implement every day Encourages mums to spend some money on themselves, guilt-free Helps mums prioritise their needs and allocate time to recharge and reward themselves It is fair to say that the role of a mother today is a far cry from the traditional homemaker image of the late fifties and the generations before. Many women juggle a career, take care of the household bills, chauffer the children from place to place - the list is endless. And while we manage to do it all there is very little we do for ourselves. It doesn't matter if you're working or not, single or partnered; ask any mother what she wants more of and the answer will be time and money to enjoy some of lifes pleasures. Every womans circumstances may differ, but they all need to reward themselves now and then. Every Day is Mothers Day will help you regain some time and money to spend on yourself without feeling guilty. It's time to move yourself up on the list of priorities to ensure you make the most of your life. Don't wait for that one day each year in May when you allow yourself to enjoy being pampered by the kids. Its time to embrace this change and from now on make every day Mothers day. After all, a happy mum leads to happier family life!

Everyone should save at least some part of their income each month. Even if you can only save $100, or $50. Even $10. It all adds up in the end. But what if you could save $1000 a month? That would really be something, wouldn't it? That could mean enough savings for a deposit on an apartment, the new car you dreamed of, an exotic foreign holiday or a number of smaller treats. In this brilliantly insightful book, How to Save Money Without Really Trying, A Step-by-Step Guide to Saving $1000 Per Month, Kate Robinson will show you how to manage your income in dozens of different ways, so that you can have the extra cash you want when you need it. From sensible budgeting to paying the bills, this book looks at every aspect of what could be described as everyday finances, while also looking at some unusual ways to save money, such as creating a 'penalty jar' or having a 'no spending day' once a week. Not all of the money saving tips will be possible for you to do. Some of them are effortless, while others will take will-power and some sacrifice. But there enough of them, crammed into this little gem of a book, that you are bound to find something which will lead to savings somewhere in your daily life. Buy How To Save Money Without Really Trying today and start saving money!

Discover Money Management Strategies That Can Save You Thousands of Dollars Each Year Effortless Savings is the ultimate guidebook to saving money without sacrifice. Perfect for readers of any income level or household size, it contains hundreds of painless suggestions that will make saving money easy and manageable. Richard gives step-by-step instructions to help you: Shrink your cell phone bill without compromising your call quality, coverage, or data speeds Lower your Internet and Pay-TV rates while maintaining your current service Reduce your utility bills with simple, energy-efficient solutions Minimize your grocery bills without clipping coupons or looking through sales flyers Save time and money by getting your prescription drugs delivered to your front door Slash the cost of automotive maintenance and repairs without getting your hands dirty See movies at nationwide cinemas, any time of day, for matinee prices Acquire discounted tickets to concerts, sporting events, and live theater Find the absolute lowest rates for airline tickets, hotel reservations, and car rentals "Effortless Savings is a practical manual on frugality and building savings. Richard's ideas are easy to read and even easier to apply. His end of chapter action points give readers an understandable road map to reaching their financial goals. This book isn't about complex formulas and calculations; it's about evaluating your time and using it to maximize your savings." Steve & Annette Economides New York Times best-selling authors America's Cheapest Family Gets You Right on the Money "Effortless Savings is also effortless reading, a light and breezy guidebook that can yield weighty results. Richard Syrop's tips often go beyond the usual which led me to highlighting ideas on nearly every page. Short but sweet, "Effortless Savings" will galvanize you to make numerous and painless spending cuts and live more abundantly." Lorilee Craker New York Times best-selling author Money Secrets of the Amish "Effortless Savings is full of tips that everyday people with regular expenses can begin using right away. This book is not for the black belt frugalistas who can squeeze each penny until it screams for mercy, choosing to live without internet or cell phones....this book is for the person with regular family-style expenses who wants to cut their telecom bills in half." Deborah Taylor-Hough Author of Frugal Living for Dummies(r) "Richard Syrop's book is absolutely the real thing! It's practical, simple, easy to read, and it definitely delivers. Open this book to any page and the advice given will be sound, easily-applied and effortlessly life-changing. Buy this book, and then get out your yellow marker!" JoAnneh Nagler Author of The Debt-Free Spending Plan "Chock full of money-saving ideas, Effortless Savings pays for itself before you finish the first chapter. A great guide for any cost-conscious consumer. Syrop's meticulously researched book makes saving easy." Jon Yates Author of What's Your Problem? "Effortless Savings is the economic Swiss Army knife you've been looking for. This easy to read savings manifesto will help you reclaim the power in your relationships with service providers, painlessly change your habits, and put a few more bills back in your wallet. An authentic life-hackers guide to the savings universe." Christopher Greenslate Co-author of On a Dollar a Day "

This book introduces and explains the concepts of artificial intelligence and expert systems in a language that everyone can understnand. You don't need any mathematical expertise, and even if your knowledge of computers is small, you will still learn a great deal about this vital new area of computer engineering.