How to Live on Nickels & Dimes When You Are Flat Broke
How I Survived on $450 per Month with a Family of Three: Managing Budget, Saving on Groceries, Bills & Entertainment
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Narrated by:
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Liz Wylder Boyer
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By:
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Katie Morgan
About this listen
Are you living paycheck to paycheck? Are you barely able to keep food on the table? Are you working for your money, or is your money working for you? In today’s tough economic times, it can be difficult to make ends meet.
I have always tried very hard to make my money work for me. There are times where that was harder to accomplish than others, and I have been at the bottom of the bottom making miracles just to survive and keep my head above water. I have always thought of being broke as being akin to being extremely thirsty; like you spend all of this time in a financial desert, desperately wanting a cold and refreshing sip of water. Yet everywhere you look, there is just more sand. Then, after what may seem like forever of crawling through this barren wasteland, you finally find the oasis. You greedily drink the crisp, cool liquid until your stomach aches, and you have to stop to catch your breath.
After going for long periods of time being denied the guilty pleasures we crave, when we are finally in a position to do more, we do too much. I cannot count how many times I have fallen victim to this cycle; until one day, I made a concrete resolution to make money moves to get ahead instead of continuously falling behind.
As a single mom, I certainly understand the value of providing a future for your children. Everything we do is motivated by the intrinsic desire to make their lives better than our own. It's just that sometimes good intentions and reality do not coincide or intersect. When one path doesn’t get us there, we try something new. The thing is, until we change our perception of the problem, we can't adapt our solution to it. We have to take a step back and view the problem through a different lens and work a solution from this newfound perspective.
Instead of thinking of each paycheck as being 100 percent disposable, we have to learn to view it as a means to an end. If you have $200 left from your paycheck after paying rent, don’t see that $200 as what you have to spend until you get paid again. Break that cycle. If you don’t, you will never get further than where you are.
When it comes to dinner, this is usually where we have the most control over what our family eats (and how much we are spending on it) as the one who prepares the menu. This is where the real test of our thriftiness will come into play. A big part of that is going to be how we can make that dollar stretch and still provide healthy, filling meals that taste good.
When planning your dinner menu for the week, try to focus on recipes that will allow you the freedom to stretch the protein beyond the current meal. This is the part of the book where I will show you practical ways to plan and save on your grocery budget–probably the number one place to make your money stretch farther.
- Separating negotiable and nonnegotiable bills
- Planning payments by due date
- Factoring in miscellaneous expenses
- Cutting back on negotiable bills
- Coupons, store rewards programs, and social media pages
- Saving without sacrificing value
- Buying in bulk
- Meal planning on a budget
- Family staples as meal stretchers
- Feeding the finicky eater
- Repurposing leftovers
- Twenty-five recipes under $10 for the whole family
- Entertainment for the whole family
- Going out on a budget
- Finding joy in togetherness
- Rewards and indulgences
- Splurging without overindulging
- Knowing your limits
- Assessing your plan for functionality
- Assessing family satisfaction
- Fine-tuning the plan
- Other ways to save
- Saving on utilities
- Saving on car insurance
- Getting rid of unnecessary bills
- Negotiating your rates
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-
Story
Dan Buettner, the New York Times best-selling author of The Blue Zones, lays out a proven plan to maximize your health based on the practices of the world's healthiest people. For the first time, Buettner reveals how to transform your health using smart eating and lifestyle habits gleaned from new research on the diets, eating habits, and lifestyle practices of the communities he's identified as "Blue Zones"—those places with the world's longest-lived and thus healthiest people.
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Good Info, Well Presented
- By Soozzone on 06-29-15
By: Dan Buettner
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Buttermilk Graffiti
- A Chef’s Journey to Discover America’s New Melting-Pot Cuisine
- By: Edward Lee
- Narrated by: David Shih
- Length: 8 hrs and 53 mins
- Unabridged
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American food is the story of mash-ups. Immigrants arrive, cultures collide, and out of the push-pull come exciting new dishes and flavors. But for Edward Lee, who, like Anthony Bourdain or Gabrielle Hamilton, is as much a writer as he is a chef, that first surprising bite is just the beginning. What about the people behind the food? What about the traditions, the innovations, the memories? A natural-born storyteller, Lee decided to hit the road and spent two years uncovering fascinating narratives from every corner of the country.
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Good listen for the aspiring food snob
- By thurman r. on 02-09-22
By: Edward Lee
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JGV
- A Life in 12 Recipes
- By: Jean-Georges Vongerichten, Michael Ruhlman
- Narrated by: Eric Yves Garcia
- Length: 7 hrs and 2 mins
- Unabridged
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From his first apprenticeship in France to his Michelin-starred restaurant empire, Jean-Georges Vongerichten’s cuisine is inspired by the freshest ingredients, the simplest techniques, and the drive to make the ordinary perfect. It all started at home. JGV is an invitation into the kitchen with a master chef. With humor and heart, Jean-Georges looks back on success and failure, sharing stories of cooking with legendary chefs Paul Bocuse and Louis Outhier, traveling in search of new and revelatory flavors, and building menus of his own.
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Informative and fun!
- By David Stuk on 11-24-22
By: Jean-Georges Vongerichten, and others
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The Daniel Fast
- Feed Your Soul, Strengthen Your Spirit, and Renew Your Body
- By: Susan Gregory
- Narrated by: Jaimee Draper
- Length: 5 hrs and 53 mins
- Unabridged
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Are you hungry for more of God in your life? Discover why millions of men and women throughout the world are rediscovering the ancient discipline of fasting - and, as a result, are encountering God in amazing ways. In this authoritative guide, now expanded with new recipes, Susan Gregory, “The Daniel Fast Blogger” and an acknowledged expert on the popular partial fast inspired by the biblical book of Daniel, guides listeners toward a successful fasting experience. Join Susan as she shares the secrets....
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The content is good.. the narrator is distracting
- By Julie on 09-09-18
By: Susan Gregory
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Ingredienti
- Marcella's Guide to the Market
- By: Marcella Hazan, Victor Hazan
- Narrated by: Elizabeth Wiley
- Length: 4 hrs and 55 mins
- Unabridged
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When Marcella Hazan died in 2013, the world mourned the passing of the "Godmother of Italian cooking". But her legacy lives on, through her cookbooks and recipes, and in the handwritten notebooks filled with her thoughts on how to select the best ingredients - Ingredienti. Her husband and longtime collaborator Victor has translated and transcribed these vignettes on how to buy and what to do with the fresh produce used in Italian cooking, the elements of an essential pantry, and salumi.
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Once again, Marcella Says
- By Victoria on 07-23-16
By: Marcella Hazan, and others
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I Will Teach You to Be Rich
- No Guilt. No Excuses. No B.S. Just a 6-Week Program That Works (Second Edition)
- By: Ramit Sethi
- Narrated by: Ramit Sethi
- Length: 12 hrs and 8 mins
- Unabridged
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Buy as many lattes as you want. Spend extravagantly on the things you love. Live your rich life instead of tracking every last expense with Ramit Sethi’s simple, powerful, and effective six-week program for gaining control over your finances. This isn’t typical advice from a money expert. In this completely updated second edition, Ramit teaches you how to choose long-term investments and the right bank accounts. With his characteristic no-BS perspective, he shows how to squeeze every hidden benefit out of your credit cards.
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Repetitive - should be retitled.
- By Truth on 06-20-19
By: Ramit Sethi
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12 Months to $1 Million
- How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur
- By: Ryan Daniel Moran
- Narrated by: Ryan Daniel Moran
- Length: 7 hrs and 38 mins
- Unabridged
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By cutting out the noise and providing a clear and proven plan, this road map helps even brand-new entrepreneurs make decisions quickly, get their product up for sale, and launch it to a crowd that is ready and waiting to buy. This one-year plan will guide you through the three stages to your first $1 million: the Grind (months 0-4), the Growth (months 5-8), and the Gold (months 9-12). If your goal is to be a full-time entrepreneur, get ready for one chaotic, stressful, and rewarding year. If you have the guts to complete it, you will be the proud owner of a million-dollar business.
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Good, but a Little Misleading
- By Chris Love on 11-28-20
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The Simple Path to Wealth
- Your Road Map to Financial Independence and a Rich, Free Life
- By: JL Collins
- Narrated by: JL Collins, Peter Adeney
- Length: 6 hrs and 38 mins
- Unabridged
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This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical.
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Misleading, heavily biased
- By Cody Peralta on 07-19-19
By: JL Collins
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The Creature from Jekyll Island
- A Second Look at the Federal Reserve
- By: G. Edward Griffin
- Narrated by: Mark Bramhall
- Length: 24 hrs and 21 mins
- Unabridged
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This classic expose of the Fed has become one of the best-selling books in its category of all time. Where does money come from? Where does it go? Who makes it? The money magician's secrets are unveiled. Here is a close look at their mirrors and smoke machines, the pulleys, cogs, and wheels that create the grand illusion called money. A boring subject? Just wait. You'll be hooked in five minutes. It reads like a detective story - which it really is, but it's all true.
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Lost confidence in author
- By Amazon Customer on 07-11-20
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How to Day Trade for a Living
- A Beginner's Guide to Trading Tools and Tactics, Money Management, Discipline and Trading Psychology
- By: Andrew Aziz
- Narrated by: Kevin Foley
- Length: 6 hrs and 56 mins
- Unabridged
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Very few careers can offer you the freedom, flexibility, and income that day trading does. As a day trader, you can live and work anywhere in the world. You can decide when to work and when not to work. You only answer to yourself. That is the life of the successful day trader. Many people aspire to it, but very few succeed. In the audiobook, I describe the fundamentals of day trading, explain how day trading is different from other styles of trading and investment, and elaborate on important trading strategies that many traders use every day.
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Its a sales pitch
- By Xavier Foley on 02-08-18
By: Andrew Aziz
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Plan Your Year Like a Millionaire
- By: Rachel Rodgers
- Narrated by: Rachel Rodgers
- Length: 2 hrs
- Original Recording
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Plan Like a Millionaire is part of a riveting three-part series, and it's all about elevating your game and setting goals like a seven-figure earner. In this wealth-inspiring listening journey, Rachel reveals the secrets of how to set goals, manage time wisely, build essential support systems, break free from financial constraints, and make savvy money decisions.
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Feel Good Book, only
- By Maggie on 01-06-24
By: Rachel Rodgers
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Los secretos de la mente millonaria (Narración en Castellano) [Secrets of the Millionaire Mind]
- Domina el juego de la riqueza [Mastering the Inner Game of Wealth]
- By: T. Harv Eker
- Narrated by: Ivan Villanueva
- Length: 2 hrs and 17 mins
- Unabridged
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El autor estaba en bancarrota, en solo dos años y medio se convirtió en millonario y construyó una de las más grandes firmas de consultoría para el éxito. Con sus enseñanzas ha tocado la vida de millones de personas. Este audiolibro te enseña a observar como piensas. Es un reto a tus ideas que te limitan, a los razonamientos que no te apoyan y a tus acciones con respecto al dinero.
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El libro está bien, pero ES VERSION RESUMIDA
- By alexnvlp on 08-24-23
By: T. Harv Eker
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The Little Book of Common Sense Investing
- The Only Way to Guarantee Your Fair Share of Stock Market Returns, 10th Anniversary Edition
- By: John C. Bogle
- Narrated by: L. J. Ganser
- Length: 5 hrs and 50 mins
- Unabridged
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The Little Book of Common Sense Investing is the classic guide to getting smart about the market. Legendary mutual fund pioneer John C. Bogle reveals his key to getting more out of investing: low-cost index funds. Bogle describes the simplest and most effective investment strategy for building wealth over the long term: buy and hold, at very low cost, a mutual fund that tracks a broad stock market Index such as the S&P 500.
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One star for every point this 5 hour book makes.
- By Matt on 01-31-19
By: John C. Bogle
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The Millionaire Fastlane: Crack the Code to Wealth and Live Rich for a Lifetime
- By: MJ DeMarco
- Narrated by: MJ DeMarco
- Length: 12 hrs and 46 mins
- Unabridged
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Since you were old enough to hold a job, you've been hoodwinked to believe that wealth can be created by blindly trusting in the uncontrollable and unpredictable markets: the housing market, the stock market, and the job market. I call this soul-sucking, dream-stealing dogma "The Slowlane" - an impotent financial gamble that dubiously promises wealth in a wheelchair. For those who don't want a lifetime subscription to "settle-for-less", there is an alternative.
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Excellent!
- By Iray007 on 09-22-15
By: MJ DeMarco