The thrift book

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Franklyn Hobbs

AS a man chooses his coat for its wearing qualities or for the moment's passing whim, so does he choose his destiny. The responsibility and the result lie with the chooser. Each living person chooses - and each hour that passes fixes his choice deeper and deeper in his daily life.Wealth is a state of mind or perhaps 'twould be better to say that wealth is created through a state of mind. Few people get rich or acquire riches at a single stroke; most people who become rich grow rich, and the growth and development of a personal fortune is sometimes scarcely noted by the busy man or woman, who is thus almost unconsciously growing rich.The acquiring of money and property, once begun, is a simple and easy process; growing rich comes through habits that are such fixed parts of one's daily life that, once on the road to wealth, it would be quite difficult, if not wholly impossible, to stop the growth."If you live according to what nature requires, you mill never be poor; if according to the notions of men, you will never be rich. This is especially detrimental to us, that we live, not according to the light of reason, but after the fashion set by others."

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Steve and Annette Economides

Do you have too much month at the end of your money? Is your credit card screaming for relief? Are you tired of robbing Peter to pay Paul . . . whoever they are?Meet Steve and Annette Economides. They've been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children. In America's Cheapest Family Gets You Right on the Money, they show you how they did it- and how you can do it too.Steve and Annette share many down-to-earth principles and the simple spending plan that they have used since 1982. They have taught this economizing lifestyle to thousands of people worldwide through seminars and their newsletter, and they include lots of real-life stories to make you feel as if you're having your own private coaching session. Not only will you find solutions to your financial dilemmas, you'll also discover a whole new way of life. You don't need to be a CPA or a math wizard to learn their revolutionary system, which will teach you:- hundreds of ways to save money on everyday household expenses, including groceries, clothing, and health care- how to save in advance for major purchases such as homes, cars, and vacations- how to stop living paycheck to paycheck- how to eliminate debt . . . forever! America's Cheapest Family Gets You Right on the Money puts meeting your financial goals- and living well at the same time- in reach for every family.From the Trade Paperback edition.

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Daryl Collins ... [et al

The authors report on the yearlong "financial diaries" of villagers and slum dwellers in Bangladesh, India, and South Africa--records that track penny by penny how specific households manage their money. --from publisher description.

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James A. Brimson, John Antos

"In today's highly pressurized business environment, creating value is the number one priority for organizations. The key to achieving this is having a budget and accounting system that supports long-term goals. More and more organizations are now turning to activity-based budgeting (ABB), an innovative approach that can help organizations become more competitive by linking the budgeting process to organization strategy. Explaining the importance of budgeting by activities rather than by cost elements, this resource is a practical how-to that covers the essentials of Driving Value Using Activity-Based Budgeting."--Jacket.