Spend Smart

Spend Smart Summary

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.

Book Reviews

Mr. Lic

Good book5 star

Great book55


Awesome beginner book to financial literacy5 star

This book is a definite great read with people new to financial literacy.. in my opinion it is one of the “Holy Grails” of getting an idea of the direction you should go financially..55


Spend Smart5 star

Excellent book! I’m teaching a class about the 15 Laws of Success and one section is about “The Habit of Saving”. I came across this book and I am advising all of my students to read this practical and informative book! I enjoyed every section with helpful tips! I turned in my expensive car two days ago and it’s going to save me an average of $750.00 a month!!! I work from home, so there is little traveling I do, but my husband has 4 cars (3 are paid off) so why would I spend that much money trying to impress people! It’s so liberating! Thank you for your wisdom and advice! Rochelle55


Learned a lot about money5 star

Great book! Makes you stop and think about your spending habits.55

Other Books by Zoe McKey

Daily Habit Makeover


Daily Habit Makeover
4.5     14
Spend Smart


Spend Smart
Brave Enough


Brave Enough

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