With easy access to credit cards and ATMs, and tempted by the media to buy this year’s version of everything from clothing to electronic equipment, it’s easier than ever to spend money — and harder to save it. But no matter how little you make, or how much debt you’re in, you can begin to turn your financial life around. Saving on a Shoestring is a clear, practical guide to personal finance that offers simple plans and savvy solutions to your money problems. Now fully updated and revised, this timely book is filled with scores of tips on how to cut spending, reduce your debt, increase your current net worth, lower your income taxes, and save more money! Easy-to-use worksheets help you identify your financial goals, track cash flow, and maximize the value of your money. Most important, you’ll learn to overcome procrastination — one of the most common financial errors — and take the first steps in your financial action plan today. Saving on a Shoestring shows you how to save money without feeling deprived. You’ll learn how to put off small, insignificant pleasures today in order to experience greater, more important ones in the future. And by taking positive action, you’ll begin to nurture a positive attitude about your finances, making it easier to act quickly in your own best interest. If your debts are growing while your savings are shrinking, if you work hard at your job, but don’t know where the money goes, this inspiring guide can change your financial life. With the right attitude, proper planning, and a bit of discipline, even you can achieve financial independence and retire in comfort.
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