商品簡介
Are you struggling with debt and saving money? Can’t say no to the tempting sales even though you know better?Has budget has gone off track? Where the heck did your money go? You’re not alone. Minimalist Budget will help you to turn your bloated expenses into a well-toned budget, spending on exactly what you need and nothing else. This book presents solutions for two major problems in our consumer society: (1) how to downsize your cravings without having to sacrifice the fun stuff, and (2) how to whip your finances into shape and follow a personalized budget.This is not a get rich quick book. But I can promise day-by-day, month-by-month, you’ll budget better and become richer as a consequence. Regardless of how much your income is we’ll find a way to budget, save, and increase your net worth. Since my youth, I’ve had to live on a budget that ranged from $100 to $200 a month if I was lucky. Even though I never knew how much I would have the next month, I was always able to have enough for my essential expenses, personal pleasures, and savings.If you’re tired of the false and impossible-to-follow promises of “finance gurus,” try out my simple, straightforward, easy-to-stick-to methods. Improve your spending habits:•Incorporate minimalism into your finances•How to avoid becoming a minimalist consumerist•Learn the psychological traps that make you overspend •Control your compulsive spending habitsFeel financially secure every day:•Learn about two A-Z budgeting methods and how to make them work for you•Learn ratio-based budgeting and fixed-amount budgeting•Discover the best budgeting software programs•Design a bulletproof savings strategy to get out of debt, be prepared for emergencies, and set yourself up for retirementStop hating your financial life:•Learn how to set SMART financial goals•Increase your self-confidence with budgeting•50 small budgeting tipsFinancial education is not part of our educational system. It is normal that we don’t know how to budget when we step into the craziness we call adulthood. But it is not normal to stay ignorant about a field of life that (like it or not) guarantees our material survival. Money management is an essential skill for everybody who earns, shops or consumes.If you follow the budgeting tips in this book, you’ll be able to keep track of your finances. You’ll clearly know where your money goes, where it comes from and where can you save. You won’t feel stressed of running out of money unexpectedly, you’ll clear yourself out of debts and have savings for bigger expenses like a vacation, new car or unexpected events.
