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The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart Paperback – May 16, 2009
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From the Back Cover
- Don't be paralyzed by perfection: Be good enough
Better a good decision now than a perfect decision someday
- Just set it and forget it
Make the financial decisions you only need to make once and can then ignore for years
- Stop wasting money on things you don't care about
Plug wasteful spending leaks, so you can redirect cash to things you truly care about
- Easy step-by-step techniques and specific recommendations
What to buy, in everything from mutual funds to cellphone service
About the Author
Gregory Karp is an author and journalist of 20 years. His national newspaper column, “Spending Smart,” is published in papers that together have millions of readers. The weekly column appears in the Chicago Tribune, Baltimore Sun, Hartford Courant, Orlando Sentinel, Allentown Morning Call, and others. The column has three times won a Best Column Award from the Society of American Business Editors and Writers.
He is also author of Living Rich by Spending Smart: How to Get More of What You Really Want.
Greg’s advice on spending money smarter has appeared in national magazines, such as Newsweek and SmartMoney; television broadcasts, such as WCBS in New York, WSB in Atlanta, and WPVI in Philadelphia, and literally dozens of newspapers nationwide, from the Los Angeles Times to Newsday in New York.
He maintains a Web site at www.gregkarp.com and blog at SpendingSmart.net. Greg lives near Philadelphia with his wife and two sons.
Top Customer Reviews
The Get FIT chapter tells us how to save money in Food, Insurance and Telephone expenses. The FIT category consumes $14,000.00 per year of the average American family's budget. That's a chunk, isn't it? This chapter is packed with solid, easy-to-make changes which should result in savings of thousands of dollars in these three categories alone. Here are just a few of the many suggestions:
*Shop the sales - stock up when things are on sale. You will save about 20% of your annual food spending. At the average family food expense of $7,000.00 per year, you will save $1400.00 per year.
*Try supermarket store brands.
*Reduce meals out.
*Make your own freezer meals. There are some great books to help you with this, including mine . . . Lunch Buddies: Buddy Up for a Better Diet.
*Say no to extended warranties.
*Say no to identity theft insurance.
*Cancel your traditional landline phone service.
*Research, review and re-evaluate your cell phone, computer and television packages.
If you're like me, you probably can't account for how your money gets spent. Well, guess what?Read more ›
The book is divided into three major sections "Spending Smart Today," "Spending Smart Yesterday" and "Spending Smart Tomorrow." "Spending Smart" today is talking about current everyday expenses. "Spending Smart Yesterday" is about paying off debt for purchases made in the past. "Spending smart tomorrow" is about saving and investing for future spending. It's about overcoming the human hardwired instinct to consume immediately. It's as simple as one, two, three. And everyone can count to at least three. Therefore anyone should be able to apply at least some of this information to making his or her own lives easier and much, much less stressful. It also tells its readers how to become solvent instead of being broke all the time. It's the kind of advice that your grandparents provided if they had lived through the Great Depression. "Waste not, want not." "Don't buy it if you don't have the money to pay for it." There is no free lunch."
The author uses the metaphor of a Global Positioning System navigator for this book. This book is a GPS system for "smart spending" and avoiding "dumb spending." He points out that most people simply want to be told what to do and then they make up their own minds about whether to do it or not, but mostly they just do it. Therefore much of the advice in this book doesn't examine every piece of advice from a dozen different angles, the author just points to a time-honored and proven piece of advice and says, "Do this, and everything will be fine and you will be happy.Read more ›
If only one idea appeals to you, you're already ahead. Bet you'll find many things to like. Highly recommended!
Most Recent Customer Reviews
It's a very good book. Gregory Karp gave pretty good advise and I recommend this book.Published 9 months ago by Terence Lewis
After reading tons of books on being green and frugal, I rarely find a book that adds anything new and exciting. Read morePublished on June 20, 2014 by akOSU
Excellent buy and excellent shipping. I would recommend this book to anyone studying finances or wanting to build up their personal financial knowledge.
I recommend that everyone who struggles with saving, investing or paying off debt read this book. This book simply guides you through the basics step by step. Read morePublished on May 14, 2014 by Kindle Customer
Good book with alot of good advice. I have taken some of that advice and implemented it, and am doing well from those decisions. Read morePublished on October 30, 2013 by Sheb
Very good book for those of us who basically know nothing about finance, debt, economy, credit, etc. Read morePublished on January 14, 2013 by Nicola Olsen
If you read one money book, make it this one. Some books struggle with being too much or not enough specific, this one is perfect and gives you resources on how to learn more in... Read morePublished on February 18, 2012 by Stephanie
Take a look at this book. It is a fast read (but I promise you will go back over chapters numerous times) and you're bound to save money. Read morePublished on December 4, 2011 by Patti Graham, Author