Spend Joyfully!

Front Cover
Dog Ear Publishing, 2009 - Business & Economics - 212 pages
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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?
How do you manage money?
How can you use money to your advantage?
Why do you make the choices you do when you spend?
How can you get the most bang-for-your-buck when you spend?
With Spend Joyfully, James W. Stone changes the way you think about spending money. He explores how you can live your life with purpose and make decisions about your money to fulfill a goal in life. The result is a new attitude about money that leads to a more satisfying life. Tying that Attitude to a Budget, and understanding Cash Flow are the ABC's of managing your Financial Lifestyle.
The subject matter is presented in three sections focused on: 1) Where your money is and how to manage it; 2) How to protect yourself from spending mindlessly; and 3) How to live in a world dominated by advertising.
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.
Things "wanted" had become "needed." Bills piled up and soon Jim was in over his head because his purchasing decisions had no bearing on his ability to pay for them. Jim fought his way out of debt and developed his structured approach to Spend Joyfully with clear links between spending and paying, in this easy-to-read book."
 

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Contents

The Four Essential Questions
97
Finding Satisfaction
102
Finding Value
103
Am I ready to buy it?
107
The power of itll do
111
Keep your eye on the objective
113
The Bigger Picture
115
Take your logical brain shopping
117

How do I manage my Cash Flow?
23
Cash Position another great tool
26
How big should my Cash Position to be?
31
What about a budget?
32
What is your situation?
33
Developing a Plan
37
Break big things into smaller pieces
38
Surprises
40
Spending Joyfully
43
Tweaking the Spending Allowance
45
Teach your children
47
But what about YOU?
48
Cash Flow Analysis worksheet
51
Hows your Cash Flow?
54
But I can make the payments
57
Is there a way to fix it?
58
Give yourself a raise
59
There is risk if you dont act
60
An Action Plan
61
How soon do I see benefits?
68
Your credit report
69
Whats normal?
73
Confident and Free
74
Eleven Principles Practices of the Confident Free
75
Will you accept my invitation?
81
Dont go shopping yetA recap of Part One
83
So what have you learned so far?
84
And what can you DO with this knowledge?
85
How to control your shopping
87
The Purchase Proposition
89
Identifying the proposition
91
Reacting to the proposition
93
Fighting the Urge to Buy
96
The Puzzle within the Puzzle
118
Critical Considerations
121
Time spent shopping
122
Value Set
124
Price Framing
127
Sale Merchandise
129
What is the price?
131
Financing tricks and the risk of fees
134
Hidden costs
135
Financing if you must
137
Building Habits Breaking Habits
139
Were all quirky
141
But these are only habits
143
And what does this have to do with Spending Joyfully?
144
Now you can shopA recap of Part Two
147
And what can you DO with that knowledge?
148
Recognizing forces that drive your decisions
151
Advertising Marketing
153
Five Essential Deconstruction Tools
155
What Drives Your Decisions?
161
Maslows Hierarchy of Needs
162
Who uses Maslows Theory?
163
I know all this and I still spend stupid
166
Chasing the Image of Wealth
171
Does wealth set you apart from the crowd?
173
What does set you apart from the crowd?
174
Real wealth where you want to be
176
The Roadmap
179
Glossary of Terms
185
Sources for More Information
189
Index
193
Copyright

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