52 Results for : overspending
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Beyond Basics: A Guide to Eliminating Excess, Living on Less, and Loving It , Hörbuch, Digital, ungekürzt, 218min
End your relationship with clutter, debt, and overspending. In Beyond Basics: Eliminating Excess, Living on Less, and Loving It, you'll find more than 200 frugal living tips, along with down-to-earth advice for clearing your home and your life of the clutter and bad habits that are weighing you down. By living well within your means, you will open the door to greater wealth, better health, and an immense sense of satisfaction with life as a whole. Many books on frugal living focus solely on helping you save money. This one is different: It is meant to serve as a roadmap you can use to completely redesign your life, so you have less of what you don't want and an unlimited supply of whatever it is that is most important to you. Whether you want to spend less time at work and more time enjoying time with your family or pursuing your life's true passion, this audiobook was written with you in mind. No matter what your version of the simple life looks like, you'll find exactly the practical advice you need for getting rid of things and habits that no longer serve you, and for focusing on the things that matter most. Learn about your relationship with the "stuff" you've accumulated, then begin clearing space so you can live the way you've always wanted to. There is luxury to be found in simplicity, and this audiobook will help you to discover it. ungekürzt. Language: English. Narrator: Melissa Silvestro. Audio sample: https://samples.audible.de/bk/acx0/020812/bk_acx0_020812_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Making Good Habits, Breaking Bad Habits: 14 New Behaviors That Will Energize Your Life , Hörbuch, Digital, ungekürzt, 306min
From nail biting to cell phone addiction, procrastination to overspending, bad habits seem to outnumber the good ones. Unfortunately, we pay a price for bad habits that outweighs the immediate gratification that they bring. In this audiobook, Joyce Meyer starts by examining the nature of habits. The first habit - and most important one to have - is the God Habit. By making it a habit to start your day by reading the Bible and communing with God, asking for His help in your efforts and His strength and sustenance, the stage is set for overcoming the habits you want to break and establishing new ones in their place. She then explores how to break bad habits by examining the destructive negative behavior patterns. The author moves on to discuss 14 good habits and devotes a chapter to each. By the end of the chapter, the listener has a specific roadmap to follow until the behavior has become automatic (the definition of a habit). It's like following a GPS to get you to a new place. After traveling the same route several times, the GPS isn't needed for you to find your destination. The "habit" of following the right route is ingrained. Among the habits discussed are: The God Habit The Habit of Being Decisive The Health Habit The Happy Habit The Habit of Faith The Habit of Excellence The Habit of Being Responsible The Generosity Habit The Hurry Habit The Discipline Habit The Confidence Habit ungekürzt. Language: English. Narrator: Sandra McCollom. Audio sample: https://samples.audible.de/bk/hach/001181/bk_hach_001181_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Minimalist: 2 Books in 1 - Minimalism & Hygge , Hörbuch, Digital, ungekürzt, 144min
Book 1: Minimalism - Minimalism is about the making proper choices to have a freer, happier life. Only you can choose what will make you happier. In this book, you are going to learn several new concepts about being minimalist: You will understand the reason people are living in smaller homes Why people have chosen to reduce their wardrobe size How to budget better with the income you have And how to build better, stronger relationships It is possible to be free from worry, stress, and fear as long as you are willing to address issues such as: Overspending Consumerism Being too busy Looking only at yourself Making the wrong choices Start now, gain a free life with more happiness, and have less focus on materialistic things. Book 2: Hygge - Picture this. You've spent a lovely night sitting by the fireplace, enjoying a big cup of cocoa, while catching up with your loved ones. You're totally in the moment and find yourself thinking, "This is indeed one of the greatest pleasures of life." Hygge, (pronounced hue-gah), is gaining global recognition as a happiness, togetherness, and wellness concept (i.e., The New Yorker featured an entire piece titled, "The Year of Hygge, The Danish Obsession with Getting Cozy"). This book will explore Hygge and teach you all you need to know in order to incorporate some of its principles into your life to create a feeling of peace, joy, and happiness every day. ungekürzt. Language: English. Narrator: Michael Hatak. Audio sample: https://samples.audible.de/bk/acx0/092079/bk_acx0_092079_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Minimalism: Basic Principles of Minimalist Living , Hörbuch, Digital, ungekürzt, 67min
Minimalism is all anyone is talking about, right? At least, it seems that way to you because the topic keeps drawing you in. You want to know what it is and how people can live without anything but a few outfits and enjoy life. You are going to learn what minimalism is. You will see that our perception of minimalism has been crafted from fiction books and their emphasis on extreme minimalists. We'll present easy steps to show you how you can become a true minimalist without giving up everything you love. Minimalism is about the making proper choices to have a freer, happier life. Only you can choose what will make you happier. In this book, you are going to learn several new concepts about being minimalist: You will understand the reason people are living in smaller homes Why people have chosen to reduce their wardrobe size How to budget better with the income you have How to build better, stronger relationships At the end of the book, you will have 10 tips to take with you, to refer to, and to use as your pathway to a minimalist lifestyle that brings you happiness and freedom. It is possible to be free from worry, stress, and fear as long as you are willing to address issues such as: Overspending Consumerism Being too busy Looking only at yourself Making the wrong choices Start now, gain a life with more happiness, and have less focus on material things. ungekürzt. Language: English. Narrator: Michael Hatak. Audio sample: https://samples.audible.de/bk/acx0/084324/bk_acx0_084324_sample.mp3. Digital audiobook in aax.- Shop: Audible
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The Financial Diet: A Total Beginner's Guide to Getting Good with Money , Hörbuch, Digital, ungekürzt, 210min
How to get good with money, even if you have no idea where to start. The Financial Diet is the personal finance book for people who don't care about personal finance. Whether you're in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn't just about what you put in the bank. It's about everything — from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary. The Financial Diet will teach you: How to get good with money in a year. The ingredients everyone needs to have a budget-friendly kitchen. How to talk about awkward money stuff with your friends. The best way to make (and stick to!) a budget. How to take care of your house like a grown-up. What the hell it means to invest (and how you can do it). PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio. ungekürzt. Language: English. Narrator: Chelsea Fagan. Audio sample: https://samples.audible.de/bk/adbl/031894/bk_adbl_031894_sample.mp3. Digital audiobook in aax.- Shop: Audible
- Price: 9.95 EUR excl. shipping
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The Courage to Be Rich: The Financial and Emotional Pathways to Material and Spiritual Abundance, Hörbuch, Digital, 366min
Best selling author and financial expert Suze Orman helped millions of Americans turn toward their money and embark on a true path to wealth with her #1 best seller The 9 Steps to Financial Freedom and her national best seller You've Earned It, Don't Lose It. Now she returns, with a book that goes beyond the fundamentals of her earlier work in challenging and inspiring us to realize our full financial potential, and to realize as well that the bottom line of life is comprised of much more than money. Practical, spiritual, and above all soundly financial, The Courage to Be Rich addresses the rites of passage we all must face - marriage, divorce, death; spending (and overspending) on life's necessities and luxuries; taking control of our financial tomorrows today. From the business of love to buying a home; from imparting proper values to our children to defining our own self-worth; from starting over to staking a claim to our future, Orman shows us how to find the clarity, conviction, and courage to meet the obstacles and opportunities of a lifetime. Expressing her deep belief that only when we truly learn to value and respect money in the most expansive sense will we be able to change our financial destiny, Orman demonstrates - through exercises, examples, and case studies - how to create a rich and abundant life, starting from what we have today. Finally, she takes on the seldom explored subject of money and grace - the rewards wealth bestows and the responsibilities it confers. Language: English. Narrator: Suze Orman. Audio sample: https://samples.audible.de/bk/bant/000299/bk_bant_000299_sample.mp3. Digital audiobook in aax.- Shop: Audible
- Price: 9.95 EUR excl. shipping
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How to Become Debt-Free: A Minimalist Guide of How to Pay Down Debt. Use Proven Knowledge and New Technologies to Pay Off Your Loan Quickly. , Hörbuch, Digital, ungekürzt, 50min
Most Americans are drowning in debt all their lives. Consumerism and careless overspending mark the era of disposable products and irresponsible financial behavior. Sadly, living with debt has rapidly become the most common trend in modern society.This audiobook is an attempt to bring much-needed awareness to the problem and to explore and determine the best strategies to pay off debt.Financial education could be tricky and confusing, at first, especially in the time of crisis. Getting friendly with the basics that are discussed in this book can help some people avoid numerous financial difficulties in the future.In this audiobook, you will find information on:Types of debtThe importance of credit scoreThe makeup of credit scoreStrategies of getting out of debtCreative solutions and useful tipsServices that help you pay off the debtFilling for bankruptcyHow to avoid falling in debt againThere is no shame in living with debt, as no one is saved from unexpected events. Taking the courage to accept the problem is the first and the hardest step on the way to financial recovery. This book is intended to encourage the person in debt to take the action, rather than ignoring the obvious, and waiting for things to get even worse. It shows that taking responsibility for your actions does pay off in the end.Accept the power of accountability and make your experience count. Get creative with the strategies to pay off debt and change your life for the better. Act now, as debt never stops to grow. Become debt-free by tapping into your inner strength. Add life without debt to your card. ungekürzt. Language: English. Narrator: Ben Koushella. Audio sample: https://samples.audible.de/bk/acx0/213664/bk_acx0_213664_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Ripped Off!: Overtested, Overtreated and Overcharged: The American Healthcare Mess , Hörbuch, Digital, ungekürzt, 418min
Your share of your health insurance premium and the amount you are paying for your yearly deductible, co-pays, and prescriptions are soaring. Don’t forget that your employer’s share of your premium is coming out of your salary. And unfortunately, you are not alone. What can you do to avoid unnecessary costs and encourage American healthcare reform?Ripped Off! is your guide to better understanding the problems of the American healthcare system and what you can do for yourself and how to help enact change. Gilbert Simon, MD, has been a primary care physician for over 50 years. He has seen how the corporate takeover of medicine created a costly, bloated, complex, profit-driven bureaucracy.He explains that the current system is outdated, unsustainable, and that we have come to the time for major reform. Ripped Off! shows you how healthcare spending will only increase until major legislative and administrative changes are made and how, like other industrialized countries, America can provide high-quality and equitable service to all of its citizens.After listening to this audiobook, you will:Recognize the need for healthcare reformFeel confident demanding a better and more affordable healthcare systemDiscover the truths of overspending with American healthcareCall for a new system that keeps you healthy while keeping your paychecks higherRipped Off! demands the need for a more cost-effective healthcare system. It answers questions like, “How can a universal healthcare system work?” and “How can we find the money to do it?”It is time to make a change and save billions of taxpayer dollars. With this book, you can gain the knowledge and courage to make effective healthcare reform a reality before it’s too late. ungekürzt. Language: English. Narrator: Gilbert Simon. Audio sample: https://samples.audible.de/bk/acx0/214602/bk_acx0_214602_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Wired for Wealth: Change the Mindsets That Keep You Trapped and Unleash Your Wealth Potential , Hörbuch, Digital, ungekürzt, 371min
As financial stress mounts and an economic crash looms, Wired for Wealth shows you that the biggest threat to your financial health is not a recession; it's your brain. Markets go up and markets go down, but one fact holds true: Your money scripts - the unconscious core beliefs you hold about money - will determine whether you win or lose in the long run. But there is hope. Drawing on the results of a landmark survey of people's money habits, as well as their decades of work improving their clients' financial lives, renowned financial psychologists Drs. Brad Klontz and Ted Klontz, and financial planner Rick Kahler, CFP, show you how you can rewire your brain for wealth. Their unexpected insights show you how you can free yourself from excessive debt, financial stress, money avoidance, and a lack of savings. You'll discover: The top 10 money scripts that mess up people's financial lives - and how to change them How to identify your 'financial comfort zone' - and how to break through it How to curtail family money issues, including financial infidelity, financially dependent children, and conflicts over money What to do if your money scripts are keeping you poor by overspending, underspending, excessive debt, lack of savings, and lack of retirement planning What to do if your money scripts keeping you poor in spirit - how to release guilt and fear for good, and be at peace with what you have. Entertaining and enlightening, Wired for Wealth will put you in control of your finances and enable you to break through to new levels of wealth and security. ungekürzt. Language: English. Narrator: Jonathan Walker. Audio sample: https://samples.audible.de/bk/adbl/001407/bk_adbl_001407_sample.mp3. Digital audiobook in aax.- Shop: Audible
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Retirementology: Rethinking the American Dream in a New Economy , Hörbuch, Digital, ungekürzt, 443min
Looking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology. Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest.Financial mistakes are deeply rooted in human nature, but you may be able to overcome them - if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning.Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won't people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You'll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them.The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a zone, or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that. ungekürzt. Language: English. Narrator: Victor Bevine. Audio sample: https://samples.audible.de/bk/adbl/002259/bk_adbl_002259_sample.mp3. Digital audiobook in aax.- Shop: Audible
- Price: 9.95 EUR excl. shipping