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Debt: Financial Bondage
The key to staying debt free is to spend less than you make. It sounds so simple and yet many people seem to ignore this common sense counsel. We have a personal debt crisis in North America fuelled by our "buy now, pay later" philosophy. When we buy on credit we usually end up paying interest and interest is only good when it's working for you.
"Remember this: debt is a form of bondage. When we make purchases on credit, they give us only an illusion of prosperity. We think we own things, but the reality is, our things own us." —James E. Faust
Children: Our Future (Spenders)
Are your children convinced that "money grows on trees?" No wonder—so many of our money transactions are invisible. Paychecks are directly deposited and payments are automatically withdrawn from bank accounts. We pay for purchases with debit or credit cards. If children do see money it's often spewing out of bank machines.
It might be hard for children to see the connection between work and money. But it's essential that they learn the value of work and money management skills in the home before they start out on their own.
Food: The Unavoidable Expense
Can you imagine a day without food? It's not only a necessity, it's also an obsession. We celebrate with food. We eat when we're happy or if we're sad; when we're excited and when we're depressed. Sometimes we even eat because we are hungry! Whatever the reason, food expenses make up a large part of our budget—not just groceries, also our fast food and dining out bills. These expenses add up quickly.
The good news is we have some maneuvering room here. You can save hundreds of dollars by implementing a few money saving strategies.
Savings: A Lost Art?
There was a time when people saved their money first before they made a purchase. Times have changed. We discovered that we could have what we wanted NOW and worry about paying later. This change of philosophy is reflected in the decreasing personal savings rate of American households.
But savings have to be included in a healthy financial plan. We still have to live today but if we spend everything today, we'll have nothing for tomorrow. We have to learn to balance the needs of today with the needs of the future.
Travel: See The World On A Dime
Grab a flight, take a boat, board a train, hop on a bus or jump in your car—the world really is at your doorstep. You can take the traditional route and visit a travel agency or even be your own travel agent. Either way, there are many ways to save a buck when you make your travel plans.
You can find the best deals on flights, accommodations, dining out and entertainment; you just need to know where to look. The Internet can be your best travel advisor. So travel the world or vacation at home—it's all up to you!

About Power Spending

You might ask why we need another book on personal finance. It's true—there are LOTS of books available and there's LOTS of information out there on the Internet, in magazines and on television. And yet, North Americans are in debt. Personal savings are down. We spend first and worry about paying later. We haven't learned from the recent credit crisis—we still want to spend, spend, spend.

We asked ourselves with all the information available, why are things not getting any better? We came to the conclusion that most people are not listening and why not? Too many boring, complicated and difficult personal finance books. So, if nobody is listening (or reading) then nothing will change. We wanted to do something about that.

We decided to write a personal finance book that would be fun and easy to understand, filled with humor and color and cartoons. We wanted to provide money basics to give our readers a good financial foundation and then fill the rest of the book with money saving information, tips and guidelines.

We would include a sidebar on every page to support the chapter material—-a little nugget of information that would be interesting and useful all on its own. And we would include hundreds of links to websites that would allow our readers to tap into other great financial resources—websites that we had personally checked out.

The book is ready. All the tools you need to take control of your money and to prosper financially can be found in Power Spending. But, you don't just have to take our word for it. We invite you to open the pages of our sample chapter. See for yourself just what makes this book different. We guarantee that the few dollars you will spend to buy the book will be earned back over and over again as you implement the strategies we've included. We believe that there is a "financial" super hero in all of us.

Release the power spender in you!

 

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Book Information Power Spending: Getting More For Less has been written to help you learn good money principles in a fun way.

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Contact Us A Better Choice Publishing
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Bowmanville, ON L1C 3A0
Authors Carolyn Johnston,
Eric & Robin Poulin
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