The Ms. Spent Money Guide

Change your spending habits to achieve your personal andfinancial goals

The hardest part of personal finance for most people is livingwithin their means. Spreadsheets, budgets, and tables make moneymanagement seem like hard work. In The MsSpent MoneyGuide, readers are introduced to an innovative approachthat focuses spending habits to allow for everyday costs and futureexpenses while finding money for things you really enjoy.

MsSpent's bottom line is to help people have a more fulfillinglife by helping them clarify their financial goals as well asdevelop systems and habits that manage their spending. We are allunique and there is no single way to manage money. TheMsSpent Money Guide helps each individual discover a waythat will work for them. Readers of all ages will benefit fromMsSpent's message-if you are clear about your values, you will getmore of the life you want with the money you have."The Ms. Spent Money Guide" - Der individuelle Geldwegweiser. Hier erfahren Sie, wie Sie sich für ihr hart verdientes Geld mehr leisten können. Die Autorin präsentiert den innovativen Ansatz "Conscious Spending", mit dem auch Sie lernen, vernünftig zu wirtschaften. Dieses Modell hilft Ihnen, Ihre Einkaufsgewohnheiten umzustellen, ohne das Gefühl zu haben, auf etwas verzichten zu müssen. Sie lernen, Ihre Ausgaben und Bedürfnisse aufeinander abzustimmen und Prioritäten zu setzen. Die Autorin gehört der amerikanischen Trainings- und Schulungseinrichtung Choice Performance an und bietet landesweit TV-Kurse, Präsentationen und Trainerschulungen zu diesem Thema an. Introduction.

PART ONE: READY TO CHANGE: IS YOUR HIP POCKET OFF BALANCE?

Where Did It All Go?: The Unconscious Spending Trap.

Conscious Spending: Honoring Your Values.

Becoming Conscious: Getting More of What You Want.

The Excuse File: Why Unconscious Spending Tempts.

PART TWO: SET TO SPEND: THE SEVEN CONSCIOUS SPENDING CATEGORIES.

Security: Your Financial Foundation.

Shelter: Your Home, Sweet Home.

Sustenance: Feeding Your Body.

Self and Family: Everyday Expenses.

Social: Connecting with Others.

Society: Giving Back.

Soul: Expressing Your Higher Purpose.

PART THREE: GO: BECOMING A CONSCIOUS SPENDER.

Starting Out: Creating a Conscious Spending Plan.

Keeping Conscious: Designing a New Hip-Pocket Habit.

Iceberg Ahead: When You're Weighed Down by Debt.

The Big Squeeze: When Your Means Are Not Enough.

Bibliography.

Conscious Spending: Next Steps.

Index. DEBORAH KNUCKEY is a writer, money coach, and speaker. Her "Conscious Spending" approach has been featured in the media, including Oprah and USA Today. Knuckey has an MBA from UCLA and has worked as a consultant at McKinsey & Co. and as a financial reporter at News Corporation. She lives in Washington, D.C. She can be reached at www.deborahknuckey.com. Praise For The Ms. Spent Money Guide

"An inspiring, sensible money guide that helps people learn how to spend without feeling guilty, deprived, or unhappy, and feel good about saving for their future. A wonderful book for anyone wanting to take charge and make the most of their financial life."
– John Gray, author of How to Get What You Want and Want What You Have and Men Are from Mars, Women Are from Venus

"Deborah Knuckey shows us that spending and investing aren’t just about money. They’re about realizing our dreams, and being true to ourselves."
– Carrie Schwab Pomerantz, Vice President, Consumer Education
Charles Schwab & Co., Inc.

"The Ms Spent Money Guide is innovative and offers exercises that can really help readers learn about themselves and money. The ‘Conscious Spending’ model is an especially innovative planning approach that reflects how people feel about money."
– Dr. Gwen Reichbach, Director
National Institute for Consumer Education

Over the course of your life, you will probably earn more than a million dollars. How will you spend it? Will you consciously use it to live out some of your dreams, or will you unconsciously spend it just living? Will you consciously choose your lifestyle, or will you unconsciously drift into it? Discover how "Conscious Spending" helps you answer these challenging questions and redesign your financial life.