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Lifestyle guru and author of Bitches on a Budget Rosalyn Hoffman knows it's more important to spend time with kids than spend money on them. In Smart Mama, Smart Money, she offers intelligent, witty advice to help modern moms budget. From healthy foods and must-have toys to age- appropriate clothing, electronic gadgets, school and party supplies, and fun-filled family vacations, moms learn how to make savvy financial decisions to provide children with a nurturing upbringing- without sacrificing the fun!
You want the best for your kids, but resources are limited and you’re overloaded with information. From the moment your kids are born, the kiddie-perfecting complex is pushing you to buy-buy-buy. And playtime is no different. You feel pressured to sign the kids up for an ever-escalating array of classes and clinics, send them to the right sleep-away or math enrichment camp, soccer clinic, ballet, art, and music classes—or else they’re doomed to fail. Right? Not so fast. Lifestyle guru Rosalyn Hoffman knows that kids need balance: time to be bored and find their own inner resources, time to ride their bikes and shoot hoops, time to experience the joy of free play. And when it’s time to sign them up for organized activities, Hoffman offers sane guidance for navigating the world of lessons and programs, explaining how to get them in everything from art classes to music lessons to sports to camp—without breaking the bank.
A witty, recession-era guide to being thrifty while not forgoing the fabulous. Today's woman may have a dwindling stock portfolio, but that shouldn't make her bite one well-manicured nail with worry. Rosalyn Hoffman dishes up the wisdom women need to get perfect style without busting what's left of their bank accounts. The author is a recession-era fashion guru, travel agent, grooming consultant, therapist, sommelier, and life coach all rolled into one, and with this book vows no coupon clipping, Prada depriving, carb hating allowed. Because it doesn't take oodles of moola to live well- and that's one trend that will never go out of style.
Annually inundated with commercials, news segments, and online articles during tax season, students might be wondering about the intricacies of the American tax system. Designed to prepare readers for the working world, this book will inform them about taxes, including the different types of taxes, why they are needed, their history, where the tax money goes, and how the digital revolution has affected taxes.
Become your family's Chief Financial Officer. Of all life's financial shocks, few compare to bringing home an infant. Just one tiny person costs $250,000 to raise- not including college! How will you pay for it? That agonizing question fuels mothers' choices about their careers, budgets, and families. Some lean in, some scale back or seek new opportunities-there are no easy answers . . . but lots of rewarding possibilities. Smart Mom, Rich Mom explores how women today are navigating the financially challenging career/parenting years. Written by a national money columnist and mom of two, the book chronicles people who have stayed in the game-full-time, freelance, self-employed, and more-and emerged more prosperous and empowered. Smart Mom, Rich Mom mines their experiences to uncover both career advice and spending and savings strategies that everyone can use. Stories, checklists, action steps, planning tools, and more explain how to: * Prepare financially for parenthood-whether you're expecting your first child or your third * Balance thrift with generating income and investing wisely * Find flexibility at work while safeguarding your earning potential * Save for both college and retirement despite increased expenses * Plan for unexpected events, like a layoff or illness * And much more Kids change our lives, adding joy but draining bank accounts. Smart Mom, Rich Mom helps you adopt healthy habits-and make hard decisions-that pay off in abundance.
The New York Times bestseller that is a must-read for any parent! From Beth Kobliner, the author of the bestselling personal finance bible Get a Financial Life—a new, must-have guide showing parents how to teach their children (from toddlers to young adults) to manage money in a smart way. Many of us think we can have the “money talk” when our kids are old enough to get it…which won’t be for years, right? But get this: Research shows that even preschoolers can understand basic money concepts, and a study from Cambridge University confirmed that basic money habits are formed by the age of seven. Oh, and research shows the number one influence on kids’ financial behaviors is mom and dad. Clearly, we can’t afford to wait. Make Your Kid a Money Genius (Even If You’re Not) is a jargon-free, step-by-step guide to help parents of all income levels teach their kids—from ages three to twenty-three—about money. It turns out the key to raising a money genius isn’t to teach that four quarters equal a dollar or how to pick a stock. Instead, it’s about instilling values that have been proven to make people successful—not just financially, but in life: delaying gratification, working hard, living within your means, getting a good education, and acting generously toward others. More specifically, you’ll learn why allowance isn’t the Holy Grail when teaching your kid to handle money, and why after-school jobs aren’t always the answer either. You’ll discover the right age to give your kid a credit card, and learn why doling out a wad of cash can actually be a good parenting move. You don’t need to be a money genius to make your kid a money genius. Regardless of your comfort level with finance—or your family’s income—this charming and fun book is an essential guide for passing along enduring financial principles, making your kids wise beyond their years—and peers—when it comes to money.
More than two decades ago, the women's movement flung open the doors of the workplace. Although this social revolution created a firestorm of controversy, no one questioned the idea that women's involvement in the workforce was certain to improve families' financial lot. Until now.In this brilliantly argued book, Harvard Law School bankruptcy expert Elizabeth Warren and business consultant Amelia Tyagi show that today's middle-class parents are suffering from an unprecedented and totally unexpected economic meltdown. Astonishingly, sending mothers to work has made families more vulnerable than ever before. Today's two-income family earns 75% more money than its single-income counterpart of a generation ago, but actually has less discretionary income once their fixed monthly bills are paid.How did this happen? Warren and Tyagi provide convincing evidence that the culprit is not "overconsumption," as many critics have charged. Instead, they point to the ferocious bidding war for housing and education that has quietly engulfed America's suburbs. Stay-at-home mothers once provided a financial safety net if disaster struck; their move into the workforce has left today's families chillingly at risk. The authors show why the usual remedies--child-support enforcement, subsidized daycare, and higher salaries for women--won't solve the problem, and propose a set of innovative solutions, from rate caps on credit cards to open-access public schools, to restore security to the middle class.

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