If you're feeling squeezed by the need to get out of debt, stay out of debt, and live within your means, Spend Joyfullycan help. It explores the basics of money in your life.
- What does money mean to you?
Spend Joyfullyis easy to read, with several small stories to illustrate the material and help you retain what you have read. Readers will identify with many of the examples given. Spend Joyfully focuses on avoiding financial problems, identifying problems when they do arise, and solving these problems. It does not tell you how to make more money or how to invest your money. Rather, it is about using the money you have to live a more satisfying life - and live without letting money take control over you.
Out of the Coal Field and Into the Dealership Born in the coal mining fields of West Virginia and raised by parents of the Great Depression, Jim was taught the lessons that could help him make the most of what he had. They were lessons of frugality and making do. But like many lessons they were forgotten the moment he left Appalachia and saw how easy it was to have great new possessions, from TVs and tailored suits to that big, shiny Buick. Very impressive, too, until reality set in.
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The Four Essential Questions
Am I ready to buy it?
The power of itll do
Keep your eye on the objective
The Bigger Picture
Take your logical brain shopping
How big should my Cash Position to be?
What about a budget?
What is your situation?
Developing a Plan
Break big things into smaller pieces
Tweaking the Spending Allowance
Teach your children
But what about YOU?
Cash Flow Analysis worksheet
Hows your Cash Flow?
But I can make the payments
Is there a way to fix it?
Give yourself a raise
There is risk if you dont act
An Action Plan
How soon do I see benefits?
Your credit report
Confident and Free
Eleven Principles Practices of the Confident Free
Will you accept my invitation?
Dont go shopping yetA recap of Part One
So what have you learned so far?
And what can you DO with this knowledge?
How to control your shopping
The Purchase Proposition
Identifying the proposition
Reacting to the proposition
Fighting the Urge to Buy
The Puzzle within the Puzzle
Time spent shopping
What is the price?
Financing tricks and the risk of fees
Financing if you must
Building Habits Breaking Habits
Were all quirky
But these are only habits
And what does this have to do with Spending Joyfully?
Now you can shopA recap of Part Two
And what can you DO with that knowledge?
Recognizing forces that drive your decisions
Five Essential Deconstruction Tools
What Drives Your Decisions?
Maslows Hierarchy of Needs
Who uses Maslows Theory?
I know all this and I still spend stupid
Chasing the Image of Wealth
Does wealth set you apart from the crowd?
What does set you apart from the crowd?
Real wealth where you want to be
Glossary of Terms
Sources for More Information