Live Better, Spend Less, and Save More - Spending and Saving: How to Get Credit and Your Money to Work for You is about what works for real people in the real world. Too much of the financial advice available today is simply not workable for most people in the real world. I have included in this book what I have found works for people, and left out what I have found does not work for people. For example, you will not see a budget in this book. A budget is one of the most common items of financial advice. Use a budget you are told. The problem is most people cannot sustain the use of a budget for any length of time. In public speaking, I ask people how many of them use a budget. The number of people using a budget is small. Why? Because a budget is about limiting spending and most people do not like the limiting concept. Instead I have developed tools that are not based on limitation. My tools are focused on getting you what you want and less of what you do not want. -

The goal of How a Business Works is to create a framework for understanding business in 12 chapters that you can read, understand, and apply in a relatively short period of time. This framework will serve you in three ways: 1. It will help you to understand the behavior of sellers and employers, so that you can be a more informed businessperson, citizen, consumer, and employee. 2. It will help you to predict the future behavior of sellers and employers, so that you can make better plans and achieve better outcomes as a businessperson, citizen, consumer, and employee. 3. It will give you a basic understanding of business (a framework), so that you can effectively and efficiently learn more about business and organizations from the perspectives of your roles: as a citizen, consumer, employee, and possibly businessperson. All of us have the roles of a citizen and a consumer. Most of us have the role of an employee of an organization. And, some of us may choose the role of a businessperson. How a Business Works seeks to make business understandable to citizens and consumers. The book can help you in your career whether you are an employee of an organization or are self employed. And, finally, the book can assist you in becoming a businessperson.

Live Better, Spend Less, and Save More - Spending and Saving: How to Get Credit and Your Money to Work for You is about what works for real people in the real world. Too much of the financial advice available today is simply not workable for most people in the real world. I have included in this book what I have found works for people, and left out what I have found does not work for people. For example, you will not see a budget in this book. A budget is one of the most common items of financial advice. Use a budget you are told. The problem is most people cannot sustain the use of a budget for any length of time. In public speaking, I ask people how many of them use a budget. The number of people using a budget is small. Why? Because a budget is about limiting spending and most people do not like the limiting concept. Instead I have developed tools that are not based on limitation. My tools are focused on getting you what you want and less of what you do not want.

The goal of How a Business Works is to create a framework for understanding business in 12 chapters that you can read, understand, and apply in a relatively short period of time. This framework will serve you in three ways: 1. It will help you to understand the behavior of sellers and employers, so that you can be a more informed businessperson, citizen, consumer, and employee. 2. It will help you to predict the future behavior of sellers and employers, so that you can make better plans and achieve better outcomes as a businessperson, citizen, consumer, and employee. 3. It will give you a basic understanding of business (a framework), so that you can effectively and efficiently learn more about business and organizations from the perspectives of your roles: as a citizen, consumer, employee, and possibly businessperson. All of us have the roles of a citizen and a consumer. Most of us have the role of an employee of an organization. And, some of us may choose the role of a businessperson. How a Business Works seeks to make business understandable to citizens and consumers. The book can help you in your career whether you are an employee of an organization or are self employed. And, finally, the book can assist you in becoming a businessperson.