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

jonny827

Great!4 star

Great read!45

Stephanie Obermeier

Adjustments growing up5 star

Honestly I’ve recently became a young adult I’m almost 19 now so a year of being an adult and just in an hour of reading this book I’ve learned about what the adult parts of life can do with financial goals and terms since I don’t know very well written and understanding for young adults / young teens55

Dri Dri. R

Great book5 star

Awesome book. Very helpful.55

10937$199:7389

Spend smart2 star

Most of what I read was repetitive. I lost interest around page 60. I felt like I wasn’t learning more than what I had learned from previous pages. It’s like reading chapter one all over . Thought it’d be good to read but wasn’t.25

.!.LoveMusic.!.

good advice4 star

enjoyed the tips :)45

LilSi758

Great book4 star

Great book taught me a lil more about saving an about what I spend money on45

Obookman

Financial IQ Booster5 star

Awesome book.55

yuryanhe

Great book for youth!5 star

Definitely would recommend every youth who are striving to obtain financial freedom!55

Noknickkaname

Enlightening, powerful and informative5 star

I enjoyed reading this book. It definitely changed the way I look at sales, marketing tactics and advertising. And the way I look at spending. I’m a fan. I’m actually going to read it again.55

333lucky333

Great Reminders!5 star

Great reminders! Take the time to refresh your mind on money principles in an easy to read format.55





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