Teens are big consumers, spending more than $200 billion yearly in the United States alone. But many have scant knowledge and skills for spending money responsibly now and in the future. With the ten secrets for wise spending revealed in this book, readers gain the tools to both afford their expenses and save more cash. In addition to budgeting, teens learn to shop smart, accurately judging affordability, discerning needs vs. wants, identifying value, and calculating the true cost of an item. Fascinating financial facts, questions for an expert, common myths, and a helpful glossary all contribute toward helping make readers financially literate.

This publication examines how public spending on health care can be made more efficient and equitable in developing countries, focusing on strategic purchasing and contracting of services from non-governmental providers. It is divided into six sections under the headings of: the conceptual framework; how to make strategic purchasing pro-poor; purchasing health services; purchasing inputs; supply, demand and markets; legal and regulatory issues.

Are you one of the millions who are losing regular income now? Do you need to start saving money and spending it on things that are really important?Coronavirus restrictions mean people aren't working, yet the bills are still coming. The possibilities of earning good money are limited. Now, most people have to save every dollar they can. Do you know how to save money and spend wisely?What if you could learn the secrets of saving success from a master of personal finance who's been in the business for decades-without paying the high price of being a wealth management client?In this book, you will discover:?How to take control of your money?Start saving money RIGHT NOW, without even leaving your house?Why you do not need any special equipment, gadgets, or courses?Various saving secrets?New ways to enrich your life without needing to spend money?Improve your mental and physical health, hand in hand with your financial health?Declare your independence from those who would control you and your money?Reach financial freedom by taking the first steps toward your goals?Continue to save your precious dollars and smart money habits after the coronavirus restrictions have been lifted?Imitate the habits of people who are smart with their financesI will lead you through every important spending area and show you many tips that can help you save hundreds and thousands a year, and we may even go over some things you have never thought about and give you step-by-step instructions for immediate and long-term savings.Bonus chapters will equip you with the knowledge and skills that you can use to improve your financial health and experience your dream life.This book goes far beyond what other books on personal finance offer. Following the advice within, you will also experience a dramatic improvement in every area of your life. This book is a life-changer!We are building our future with today's decisions. What good decision will you make today?

Are you one of the millions who are losing regular income now? Do you need to start saving money and spending it on things that are really important? Coronavirus restrictions mean people aren't working, yet the bills are still coming. The possibilities of earning good money are limited. Now, most people have to save every dollar they can. Do you know how to save money and spend wisely? What if you could learn the secrets of saving success from a master of personal finance who's been in the business for decades-without paying the high price of being a wealth management client? In this book, you will discover: How to take control of your money Start saving money RIGHT NOW, without even leaving your house Why you do not need any special equipment, gadgets, or courses Various saving secrets New ways to enrich your life without needing to spend money Improve your mental and physical health, hand in hand with your financial health Declare your independence from those who would control you and your money Reach financial freedom by taking the first steps toward your goals Continue to save your precious dollars and smart money habits after the coronavirus restrictions have been lifted You won't have to keep living paycheck to paycheck, and not having enough money for emergencies Imitate the habits of people who are smart with their finances Still not sure? Let me address some of your concerns. Can I achieve anything if I don't understand money and I have no financial knowledge? It happens because we do not learn how to manage personal money in our schools. Actually, most people lack this knowledge and are losing money very quickly as a result. I will lead you through every important spending area and show you many tips that can help you save hundreds and thousands a year, and we may even go over some things you have never thought about. I will give you step-by-step instructions for immediate and long-term savings. I was living paycheck to paycheck, even before the coronavirus. What now? I will explain the hidden reasons why this was happening to you. Bonus chapters will equip you with the knowledge and skills that you can use to improve your financial health and experience your dream life. This book goes far beyond what other books on personal finance offer. Following the advice within, you will also experience a dramatic improvement in every area of your life. This book is a life-changer! We are building our future with today's decisions. What good decision will you make today? So, if you want to earn money during this crisis and live a life you've always dreamed about, then scroll up and click the Add to Cart button now!

Would you be able to walk into your boss's office, say "I quit" and maintain your current lifestyle? If the answer is yes, you should still read my book because who wants to waste money when you can spend it on something that really matters. Was your answer "no"? If so, get back in there and work your fanny off. But before you do, you need to pick up my book and begin your journey to spending wisely and reducing waste. With my helpful tips, motivational strategies, and money recovery methodologies you can soon be on your way to achieving the power and freedom that you will get from having your very own nest egg.

GAIN MORE TIME FOR WHAT YOU LOVE Are you constantly juggling multiple tasks and operating at 100 per cent or more? Do you feel you are permanently on the treadmill and can’t get off? If you needed extra capacity for something urgent, could you find it? In The 1-Day Refund, best-selling author and time management expert Donna McGeorge shows you how to recover an extra 15 per cent of your time—10 minutes per hour, 1 hour per day or a full day each week—to think, breathe, live and work. By creating more space, you’ll discover a new ability to focus on what’s truly important to you. In this book, you’ll also: Learn to achieve more by doing less and create more space across all areas of your life Stop being at the mercy of other people’s agendas and learn to say ‘no’ when you truly don’t have time. Develop your capacity to cope with change and unpredictability and rid yourself of that feeling of overwhelm A fantastic resource for middle managers, supervisors, and those on the frontlines of work, school, sports, and family, The 1 Day Refund is one of the best investments any busy person can make. With The 1-Day Refund, you’ll be on your way to getting back a full day, so you can take advantage of any opportunity that comes your way. The 1-Day Refund is the third book in Donna McGeorge’s It’s About Time series. With The 25-Minute Meeting, you’ll learn to give your meetings purpose and stop them wasting your time; with The First 2 Hours, you’ll find the best time of the day to do your most productive work; and with The 1-Day Refund, you’ll discover how to give yourself the extra capacity to think, breathe, live and work.

"In this illustrated choose-your-own-ending picture book, Miles must choose between spending his hard-earned money on small items right away and saving up for a more expensive video game that he really wants. Readers make choices for Miles and read what happens next, with each story path leading to different consequences. Includes four different endings and discussion questions"--

Wise money management and wise living go hand-in-hand, and nowhere else is this truth demonstrated more vividly than in Raising Money-Smart Kids. This easy-to-understand guidebook shows how parents and children can enjoy a lifetime of financial well-being and security--leading to financial independence and family harmony.

Before you spend money, learn how to be a smart shopper. Make a list of items you need. Buy them when they are on sale, and donÕt buy more than you need. Learn to spend wisely in this beginner book.

People spend money on food, fashion, and fun. But how can you spend money wisely? How do you figure out what you want to buy and what you need to buy? Money is a key part of our world, and knowing how to use it is especially important. Read this book to learn how to save, to spend, and to build your own budget. "Decision time" sidebars help you analyze real-life scenarios and understand the choices people need to make when managing their money. Learn how to set and work toward short- and long-term financial goals, and explore the real costs of your purchasing decisions.