Everand Logo

Welcome to Everand!

  • Discover millions of ebooks, audiobooks, and so much more with a free trial

    Only $11.99/month after trial. Cancel anytime.

    You Can Spend Less And Enjoy More
    You Can Spend Less And Enjoy More
    You Can Spend Less And Enjoy More
    Ebook96 pages1 hour

    You Can Spend Less And Enjoy More

    By Shawn Allen

    ()

    Read preview

    About this ebook

    The secret behind enjoying more of the money that you earn is to spend less. An easy solution that has been told many times but the question always arises how do you actually spend less? This book gives tactics on how to be more money savvy in different categories that revolve around your life. A great investment to make as you recognize savings after the first chapter of this book, it will literally pay to be cheaper while still enjoying the comforts of life.

    LanguageEnglish
    PublisherShawn Allen
    Release dateJun 7, 2014
    ISBN9781310668548
    You Can Spend Less And Enjoy More
    Author

    Shawn Allen

    An Author that doesn't like to be defined by genres, because they seem more like boundaries than categories, his current goal is now to refine his writing style to reach as many different groups of people that is possible. The goal that he seeks is not that of fame or fortune but the awareness and entertainment of his readers. Readers are family and with that being said giving false information or providing fiction that they can't enjoy is something he strongly doesn't believe should be done in this day and age, so he is always appreciated of views on his work both positive and negative. Mistakes are given in human nature, but hopefully with my approach i will be able to limit my mistakes as i go forward as a writer. Now as my journey begins i invite you to take my non fiction and fiction writing to the next level and always remember without you our valued readers, writing can't survive, let us work together to get better.

    Related to You Can Spend Less And Enjoy More

    Related ebooks

    Personal & Practical Guides For You

    View More
    View More

    Related podcast episodes

    Related articles

    • Article

      7 Money Questions To Ask Yourself

      Jan 15, 2021

      MANY of us fall into spending habits without much questioning – gym memberships that are never used, unnecessary cellphone contracts, endless rounds of takeaway coffee and clothes that we don’t really need but we bought because they were on a January

      3 min read

    • Article

      25 Life-changing Budget Hacks

      Aug 19, 2019

      25 Life-changing Budget Hacks
      3 min read

    • Article

      Money Matters

      Dec 6, 2022

      New Year, new you, right? Most of us focus on getting fitter physically, commit to a dry January or make other, more obscure resolutions. But here’s one everyone should make: get financially fitter. If it’s not already on your list, then there are p

      2 min read

    • Article

      Are You Up For A No-spend Challenge?

      Dec 1, 2023

      Send suggestions for topics and requests for info to yourmoney@you.co.za. We may answer your questions in this column but won’t reply personally. Maybe you’re keen to avoid getting into too much debt in the run-up to the festive season or perhaps you

      3 min read

    • Article

      Financial FORECAST

      Dec 30, 2020

      Financial FORECAST
      2 min read

    • Article

      How To Break Out Of The Lifestyle Inflation Trap

      Mar 22, 2024

      Send suggestions for topics and requests for info to yourmoney@you.co.za. We may answer your questions in this column but won’t reply personally. HOORAY! You’ve just found out you’re getting a salary increase and before the money even hits your accou

      3 min read

    • Article

      5 Holiday Spending Habits To Avoid

      Dec 9, 2022

      Send suggestions for topics and requests for info to yourmoney@you.co.za. We may answer your questions in this column but won’t reply personally. FOR most of us, the December holidays and festive season go hand-in-hand with bigger spending and more d

      3 min read

    • Article

      Solve It In 7

      Apr 29, 2021

      Solve It In 7
      2 min read

    • Article

      Zero Surplus

      May 31, 2023

      Zero Surplus
      2 min read

    • Article

      The Impact of Lifestyle Creep on Your Wealth

      May 10, 2018

      If you're like most people, the more you earn the more you spend. That's phenomenon is known as lifestyle creep, or lifestyle inflation, and it's one of the biggest factors that stop most people from growing wealth. When you can't create a buffer be

      4 min read

    • Article

      How To Practise The Japanese Art Of Saving

      Nov 17, 2023

      Send suggestions for topics and requests for info to yourmoney@you.co.za. We may answer your questions in this column but won’t reply personally. BUDGETING – you know you should do it but somehow you just never get around to it. Kakeibo may help you

      3 min read

    • Article

      Feeling Financially Disorganized? Take Back Control, Starting with Your Cash Flow

      Aug 5, 2019

      When I begin to work with financial planning clients, one of the first things I do is take a look at their cash flow. Cash flow is made up of money coming into your accounts (in other words, your income) each month and money going out (which is made

      5 min read

    • Article

      How To Kakeibo Like You Mean It

      Jul 29, 2020

      The kakeibo will guide you to reflect on four key questions every month to support you through a process of saving and aligning your spending with your values. These four questions are: How much money do I have available? Start each month by journall

      1 min read

    • Article

      7 Reasons Why Your Budget Doesn’t Balance

      Mar 19, 2021

      BUDGETING helps you learn to live within your means and stay on top of your finances. But sometimes your budget just won’t balance. This week we discuss some of the most common reasons why budgeting fails, and how to get yours back on track. If you

      3 min read

    • Article

      Trending In The Right Direction

      Jun 30, 2021

      In life, it’s sometimes two steps forward and one step back. I have been reminded of this a few times this month. As I write, Melbourne has just experienced another extended period of lockdown. It’s tough. For some people, it’s a simple transition to

      3 min read

    • Article

      How to Budget

      May 31, 2019

      One of the toughest tasks of personal financial planning is the dirty "B" word: budgeting. Everyone needs a budget. The problem is how best to create and live within a budget without negatively impacting your day-to-day life. While this topic tends

      3 min read

    • Article

      How Small Changes Can Make A Big Difference

      Oct 29, 2021

      Send suggestions for topics and requests for info to yourmoney@you.co.za. We may answer your questions in this column but won’t reply personally. DID you know that cutting out the R45 you blow on takeaway coffee every week could save you about R2 00

      3 min read

    • Article

      The Envelope Budget: How to Make It Work for You

      Nov 18, 2020

      My last blog post, Don’t Be a Budget Hater, discussed the surprising truth that not all budgets are bad.  They often have a negative connotation, but hopefully after reading the article, you see the benefits of budgeting.  Now we will dive into diffe

      3 min read

    • Article

      Shop Smart, Pay Less

      Jan 12, 2024

      Shop Smart, Pay Less
      4 min read

    • Article

      Secrets Of Successful Women

      Mar 20, 2020

      INSPIRE MONEY SMART Many of us are motivated to set new goals to eat better, work smarter or spend less at the beginning of the month. This is where a monthly challenge may come in handy to help with your goals. If you’re aiming for savings, decide w

      3 min read

    • Article

      Get Money Fit

      Apr 16, 2022

      Get Money Fit
      8 min read

    Related categories

    Reviews for You Can Spend Less And Enjoy More

    0 ratings

    0 ratings0 reviews

    What did you think?

    Tap to rate

    Review must be at least 10 words

      Book preview

      You Can Spend Less And Enjoy More - Shawn Allen

      YOU CAN SPEND LESS

      AND

      ENJOY MORE

      YOU CAN SPEND LESS AND ENJOY MORE

      Shawn Allen

      Published by Shawn Allen at Smashwords

      This book or parts may not be reproduced in any form without the permission of the author

      Copyright 2014 Shawn Allen

      Connect with me

      Follow me on Twitter: @ShawnGoliath

      Friend me on Facebook: www.Facebook.com/Shawn Goliath

      Email Address: shawnpoallen@yahoo.com

      Table of Contents

      Introduction to spending less

      Chapter 1: Groceries

      Chapter 2: Clothing

      Chapter 3: Automobiles

      Chapter 4: Insurance

      Chapter 5: Clutter

      Chapter 6: Housing

      Chapter 7: Appliance

      Chapter 8: Socializing

      Introduction to Spending Less

      Better small steps than big leaps

      Changing your everyday lifestyle is a hard process to go through with, that’s why so many individuals that try a diet end up not seeing it to the end. They start with the mindset that they can make these dramatic changes to their life and it does work, for a while. Eventually, after a period of time they crumble to these changes and start to revert back to their old lifestyle. Cutting back on how much you spend on a day to day basis is a similar issue. If you charge at it with great intensity in the beginning, you will also find yourself reverting back to going on shopping sprees. This is why the best way to see success is to take small steps, rather than try for big leaps. Find one advice in this book to incorporate in your current lifestyle for a few weeks, after you can add another and so on. You will then begin to notice the great amount of positive change you have adapted to your lifestyle and how you feel comfortable with them.

      You are not alone

      Most spend money as if they found out it started to magically grow on trees, having multiple vehicle loans, mortgages and student loans. If you are someone that is struggling with debt and finds it increasingly harder to make ends meet, You should know right now that you are not alone, there are persons out there that are going through exactly what you’re going through, It may be friends, family or individuals online who are all sharing their experiences with the problem debt. There is hope because people are around you who want to help you through this situation.

      Spend less than you receive

      Your objective for each month is to try to spend less than the amount that you bring in monthly. If you constantly keep this objective, you will notice improvement in your financial situation. There are various ways to assure that you keep to this routine, traditional ways to accomplish this goal is to establish a budget, Putting a portion of your income to a savings plan immediately after you received it and the complete restrain of using credit cards. All these tips still lead back to the primary rule, spend less than you actually earn. The tactics that I will give in this book were all designed to help you meet this objective of spending less each month.

      Know how much you really earn

      You may be like some people who don’t see the need to employ tactics just to save a few dollars so why not try a quick experiment. Calculate how many hours you work in a year, this should include projects that you work on at home, hours spent driving to and from work, hours spent buying work supplies and even time spent entertaining clients. Any time that you spend on work in anyway should be included. The next calculation is the amount that you make in a year also including any benefits you may receive, after you should subtract expenses for commute such as gas fuel and maintenance of your vehicle, child care, the cost of work clothes and the cost of any other supplies that you may purchase for your job or in relation. Lastly, divide the amount of money that you earn by the hours that you spend in relation to work to see how much you actually make at the end of the year. The figure that you get after you have completed your calculations will help you draw a comparison of everything that you do. So when you are thinking about buying the latest gadget you can easily use this calculation to see how much of your life you are giving to your work to afford the gadget. Still wondering if saving tactics are needed? You will notice as you go further in this book how these small steps can lead to big results in your finances over time than you could earn at your workplace.

      Learn and master the fifteen second rule

      If you are impulsive spender that needs to think before they spend then this is a great tactic that you can utilize. When you enter a store and you start to shop, you pick up an item, hold that item in your hand for fifteen seconds, at this moment take the time to think if you really need this item and if the money can be used for something else. When you use this tactic it will almost always guarantee that you will put back that unnecessary item back on the shelf and continue shopping proudly that you didn’t waste your money.

      Keep an account of all the money you spend in a month

      Money is lost in the simplest ways imaginably. We begin to spend a few dollars on something forgettable and some more on something that is unnecessary. When the end of the month arrives you will be astonished on how little money you really have in your pocket at the end of the month. Take a month to track your spending habits, making a note of every dollar that you spend and what exactly you spent it on. When you have reached the end of the month, take the time to examine the different expenses and decide which are essential and which you can do without. I guarantee that you will notice two things, the fact that you are writing down what you spend you will be much more vigilant of wasteful spending and the end of the month review that you will

      Enjoying the preview?
      Page 1 of 1