From the personal finance correspondent for public radio's Marketplace Money, a new plan for a new economic reality--the philosophy and practice of living frugally.
As a once-in-a-lifetime downturn deepens, our go-go economy has become an uh-oh economy. But as trusted finance reporter Chris Farrell explains, there's a silver lining to this cloud: It is accelerating a trend already under way in America toward what he calls the New Frugality--a fresh way of thinking about how, what, and why we consume. In today's economy, a "sustainable" lifestyle isn't just one that's good for the planet--it's one that is based around core values and one that sustains your bank balance as well.
In this friendly, approachable book, Farrell explains both the theory and the practice of living frugally. Frugality, he reminds us, does not mean old-fashioned penny-pinching. It means spending your money on quality rather than quantity--buying the best you can afford but the least you need. Drawing on his expertise as a financial reporter and his years of conversations with his public radio listeners, he provides down-to-earth, practical advice for every aspect of your financial life, including:
- how to always maintain a "margin of safety" in your spending
- the frugal home: renting vs. owning
- the two best ways to save for college
- wise debt vs. foolish debt
- why giving your money away can be "newly frugal"
The New Frugality amounts to a paradigm shift in the way we spend and save. The good news is, a frugal lifestyle is one of less waste, lower environmental impact, greater peace of mind, and, over the long run, deeper satisfaction.
Control your spending, save money, regain peace of mind, and make your life happier and healthier with Kakebo--the traditional Japanese method of money management that is still widely used today.
Having enough money to live is one of the most important factors affecting our health. Trying to balance expenses--utility bills, housing, healthcare, food, and for many, the costs of raising children (not to mention paying for college )--leaves us worried and stressed. But there is a solution: Kakebo, a practical, proven method that helps you keep track of every penny, manage spending, and save up to thirty percent more
With this invaluable guide you'll interact with your spending every day for two years, and learn how to manage your personal budget. Designed like a diary, it allows you to record all your daily expenses week by week so you can see exactly where your money goes. Each day is divided into four categories: 1. primary needs--food, personal hygiene, children; 2. optional needs--shopping, cosmetics, gifts; 3. culture and free time--restaurants, books, entertainment; and 4. extras/foreseeable expenses--such as travel, repairs, tuition, and taxes.
Kakebo begins with setting a monthly budget. At the beginning of each month, enter your fixed incoming funds and outgoing expenses, and set a savings target. Then, each day, record your various expenses. By keeping close tabs on what you're spending, you'll be able to identify the waste and see the most significant areas where adjustments can be made. Kakebo also offers practical and motivating tips that teach you how to save more successfully.
Kakebo isn't just about money--it helps to develop self-awareness, self-discipline, and self-esteem, and promotes peace of mind. Best of all, you can begin any time of year--individually marking the months and days without wasting any pages. Plus, its simple yet inviting for-color graphics help you break down each expense and easily identify see where adjustments need to be made.
What do your colleagues, overlords, underlings, clients, and customers have in common? Not knowing how much they annoy you. Not to mention how much you may be annoying them. The route from cubicle to corner office is strewn with etiquette landmines. And now that the boundaries that once cleanly separated work from personal life are blurred, even polite people don't recognize the difference between professional and social manners.
- What do you say to a colleague who has just been fired?
- How do you maintain a family-friendly office without discriminating against singles?
- What's the difference between showing romantic interest and sexual harassment?
- Which colleagues should be invited to family weddings?
- When should you be unavailable, at or away from work?
Don't convene a focus group or appeal to Human Resources--consult Miss Manners
With wit and wisdom, Miss Manners restores civility, guiding you around your coworker's messy cubicle, past your overly prying boss, around the bridal shower for the new temp, and through tedious staff meetings.
In Miss Manners Minds Your Business, Judith Martin and her son, executive Nicholas Ivor Martin, equip readers with the practical, pertinent, and utterly correct advice necessary to win the job, keep the job, and leave the job with sanity and dignity intact.
""Inc. Yourself" is a true classic. I've recommended it hundreds of times."
--Scott DeGarmo, former editor-in-chief, Success magazine
"Judith McQuown always gives you the right advice to create and make your new business flourish. If you don't understand that your best wealth-builder is your own company, you will by the time you finish the latest edition of "Inc. Yourself.""
--Adriane Berg, WABC Radio
"Finally...a guide that cuts through all the legal jargon with clear and actionable information We recommend it on our national radio program ALL the time."
--Daria Dolan and Ken Dolan, WOR Radio Network, CBS Television
"Inc. Yourself" is the longest-selling business book in continuous print in the history of trade publishing, with more than 500,000 copies sold since 1977.
This "entrepreneurial classic" (CNBC) is now completely revised and updated--and available in a lower-priced paperback--to help new and recent entrepreneurs. Written in clear, easy-to-understand language, Inc. Yourself is a no-nonsense, step-by-step guide to success. It provides meticulously researched information on the latest tax laws and legislation that affect individuals and small businesses.
The following are just a few of the critical issues covered:
Selecting the right type of corporation for your business or profession.
Having your office home or away.
Designing the right pension plan.
Investing your corporate surplus.
Choosing the best benefits for your needs.
The models and mechanics of economics that drive the world of money.
The Economics Bible is a fully illustrated introduction to a field in which even specialists rarely concur. It presents seemingly unmanageable concepts in easy, bite-size pieces to make complex concepts easy to understand. The economic theories that have shaped nations for centuries and influence the way we live now become clear.
History would tell us that economics has always been relevant. However, as America and the world enter a time of great political and financial unrest, it is critical that we understand how the forces driving the world economy work -- and how the political decisions that were made affect it.
From Keynesian models developed during the Depression to how inflation occurs and its effect on interest rates, The Economics Bible makes global finance more easily understood.
The subjects include:
Throughout the book are engaging text boxes, sidebars, quotations, maps and graphs, and other visual tools that help to enhance the text. The Economics Bible is a must-have for anyone looking to broaden their knowledge of the world of finance and the economy, and how it affects their life.
This book is designed to help nonprofit organizations craft proposals for grants from foundations, companies, and government agencies.
Ellen Karsh, a writer and former director of the Mayor's Office of Grants Administration, in New York, and Arlen Sue Fox, associate executive director for development at Sunnyside Community Services, also in New York, significantly update this edition from 2005 by including interviews with grant makers about how the current economic crisis is affecting their giving and how grant seekers can improve their chances of garnering support.
The book includes a proposal checklist, a glossary of terms, sample grant forms, and a list of Web sites that provide information on grants offered by foundations, corporations, and the government.
--from the Chronicle of Philanthropy
This is the clearest, most useful guide to parliamentary procedure, now with new information on effective and reliable procedures for nominations, elections, ballots, balloting, and ballot counting.