If you are looking for a common-sense approach to personal finance and money management, then Personal Finance For Beginners In 30 Minutes, Vol. 1 is for you! In just a half-hour, you’ll pick up practical tips and even a few tricks that will help you control spending, reduce debt, and take a smarter approach to managing your financial resources.

Personal Finance For Beginners In 30 Minutes, Vol. 1 does not feature heavy-duty financial jargon or gimmicky “easy money” schemes. Instead, the guide uses common sense, easy-to-understand language, and lots of examples to show you how to cut expenses and save more money for the things that really matter in life. Topics include:

Aligning spending with priorities Income, assets, and equity Flexible vs. fixed expenses Limiting luxury spending and online shopping How to shave thousands off of telecommunications and utility bills Cutting car costs Refinancing explained Dealing with credit card debt Online banking and alternative payment systems Using software to track expenses and budgets

The ultimate goals of Personal Finance For Beginners In 30 Minutes, Vol. 1 are to help you understand your finances, cut costs, and make sensible decisions about spending which are aligned with your life priorities. Some of the tips can help you start saving hundreds or even thousands of dollars on everything from cable TV to credit cards.

Third Book in the NYT Bestselling Series. “I tried to play a game. I tried to wield deceit as perfectly as the Hawks. But when I thought I was winning, I wasn’t. Jethro isn’t what he seems—he’s the master of duplicity. However, I refuse to let him annihilate me further.” Nila Weaver has grown from naïve seamstress to full-blown fighter. Every humdrum object is her arsenal, and sex…sex is her greatest weapon of all. She’s paid the First Debt. She’ll probably pay more. But she has no intention of letting the Hawks win. Jethro Hawk has found more than a worthy adversary in Nila—he’s found the woman who could destroy him. There’s a fine line between hatred and love, and an even finer path between fear and respect. The fate of his house rests on his shoulders, but no matter how much ice lives inside his heart, Nila flames too bright to be extinguished.

Urban Fantasy with a Cyberpunk Twist
***Second Season of Debt Collector***              
Recommended: start with Season One. 
 
What’s your life worth on the open market?
In this gritty urban fantasy, debt collectors take your life energy and give it to someone more “worthy”… all while paying the price with black marks on their souls.
 
“Wraith is amazing and just as compelling as Lirium–once again I’m hooked!!” 
“I loved being back in this world! Wraith has captivated me.” 

Wraith is a shadow in the night, haunting the bedrooms of the rich “high potentials” who have stolen life energy from the desperate and dying. The justice and the sweet mercy hit that follow keep her from falling into her own personal abyss. Her secret nighttime work also keeps her on level for her real mission: carrying on her father’s legacy of attempting to bring an end to debt collection as a whole. But when a mysterious debt collector interrupts her in the act and discovers her secret, everything Wraith loves may be destroyed by the one thing she can never fix– the original sin of being a debt collector herself.

Contains mature content and themes.
 
OPTIONED FOR VIRTUAL REALITY  BY IMMERSIVE ENTERTAINMENT 
2014 Semi-Finalist in Science Fiction in the Kindle Book Awards

The nine episodes of Season Two of the Debt Collector serial are collectively 127k words or about 468 pages. 
 
It is recommended that you start with the first season, but each season is a complete story for that debt collector and can serve as an entry point to the series. There are five planned seasons in the Debt Collector series, the first four each from the perspective of a different debt collector with the fifth season bringing all four together. 

READING ORDER

Season One – Lirium – COMPLETE
Episodes 1-9: Delirium, Agony, Ecstasy, Broken, Driven, Fallen, Promise, Ruthless, Passion

Season Two – Wraith
10 – Wraith (10.20)
11 – Specter  (10.27)
12 – Menace (11.3)
13 – Temptation (11.10)
14 – Shattered (11.17)
15 – Penance (11.24)
16 – Judgment (12.1)
17 – Corruption (12.8)
18 – Atonement (12.15)
BOX SET (Vol 10-18) – (12.15)
 

Borrowing money is advertised as “easy”. So, why not do it? The truth is, taking out loans can create big problems for kids. Debt Dangers tells a great story about Chelsea and Jack saving money, living within their means, and why kids should avoid debt. A book in the series “Marvels of Money … for kids”; richly illustrated, engaging and practical fictional stories for young readers about the fundamentals of money. This book supports emerging educational (K-5) learning standards for common core, integrating “life skills” and “reasoning skills” into the fictional but realistic financial literacy stories. Each story in the series includes essential financial words, which are highlighted throughout each story and then defined in a glossary along with summary concepts at the end of each story. 3rd-6th grade level readers will find the 2,500 word story and numerical examples great for reading, mathematics, social sciences and financial literacy! Younger (K-2) readers may skim the concepts in a picture book manner, as there are incredible illustrations on each page. Great real-along and discussion books! Messages to last a lifetime.

MONEY MANAGEMENT MAKEOVER: The Ultimate Plan for Financial Success with Managing Your Money by Budgeting and Saving! + Debt Free Forever: The Ultimate Guide to “Knowing Nothing to Having Everything in Financial Freedom, Becoming a Millionaire, and Becoming Debt Free Forever” + Single Women & Finances: A Woman’s Secret Diary To Saving, Budgeting, and Retirement (Saving, Retirement, Budgeting, Money Management, Single Woman, Finances, Banking) Money Management

You want to know how to assess your current financial situation and make sound plans in order to get rid of debt, start an emergency fund, and achieve your financial goals?

You want to become financially stable but don’t know where to begin?

This book will help you get started on budgeting, saving and investing your money to gain financial wealth and freedom.

You need to be able to identify how much money you have, how much you owe, and how much you need to have. Knowing these facts will help you create changes to improve your finances and achieve your goals.

Need the guidance to solid financial plan?

Most people make the mistake of treating their budget as a “suggestion” instead of a rule, which is why their liabilities constantly increase and their net worth decreases!

So get the right tools to set you on the path of success! Starts here today if you want it bad! Just hit click to begin that process!

Preview of Topics Assess Your Current Financial SituationCreate a Financial Plan Create a Budget Plan and Stick to It Get Rid of Debt ASAP Safeguard Yourself and Your Money Put Your Money in Investments Much, much more! Debt Free

Want to know the steps to get you out of debt?

You need help to stay out of debt? Help to lead you to financial stability?

Want to know what has worked for hundreds of debt ridden consumers?

Want to learn what will work to fully fit your situation?

Before you can determine what type of plan will work for you, first you need to determine the reasons you got into debt in the first place!

Be absolutely honest with yourself here! This is because, the efficacy of the plan you utilize, is determined by the accuracy and truth of your assessment!

Be willing to do that, and this book as a reference and guaranteed you will be on the right track to debt free forever!

Topic Covered…. Why and How Deep are You in Debt?Income vs. Expenses Viable Alternatives Common Pitfalls (Get Rich Quick Schemes)Concentrate on Increasing Income Keep at It Financial Education and Business Planning Much, much more! Single Women & Finance Did you know are more single women than married ones?

There are many single women who earn a lot of money. Are you one of them?

Women today make better financial decisions. However, most of these women still feel inadequate to navigate their financial life successfully! Are you one of them?

Women struggle because they have no formal training in money management. They grow up believing a lot of money myths which caused anxiety, feeling of inadequacy, and confusion!

Do you want to take control of your finances because you have to make ends meet? You have no partner to share the expenses with!

Here Is What We Cover…. Advantages and Disadvantages of Being a Single Woman Saving Tips for a Single Woman Budget Tips for the Single WomanRetirement Tips for the Single WomanExcellent Finance Tips for Women Much, much more!

The second book in the New York Times Bestselling Dark Romance Series. “You say I’ll never own you. If I win—you willingly give me that right. You sign not only the debt agreement, but another—one that makes me your master until your last breath is taken. You do that, and I’ll give you this.” Nila Weaver’s family is indebted. Stolen, taken, and bound not by monsters but by an agreement written over six hundred years ago, she has no way out. She belongs to Jethro as much as she denies it. Jethro Hawk’s patience is running out. His inheritance gift tests, challenges, and surprises him—and not in good ways. He hasn’t leashed her but he thinks he might’ve found a way to bind her forever. Debts are mounting. Payment waiting. For release date alerts please sign up to: http://eepurl.com/120b5

“I own you. I have the piece of paper to prove it. It’s undeniable and unbreakable. You belong to me until you’ve paid off your debts.”  Nila Weaver’s family is indebted. Being the first born daughter, her life is forfeit to the first born son of the Hawks to pay for sins of ancestors past. The dark ages might have come and gone, but debts never leave. She has no choice in the matter.  She is no longer free. Jethro Hawk receives Nila as an inheritance present on his twenty-ninth birthday. Her life is his until she’s paid off a debt that’s centuries old. He can do what he likes with her—nothing is out of bounds—she has to obey.  There are no rules. Only payments.

Named for her late father’s most prized possession, Aston McNeil shares a deep connection with the classic car she inherited upon his recent death. When she learns her reckless stepbrother lost the car as collateral to Houston’s most feared loan shark, she fights the urge to throttle him and vows to do whatever it takes to get it back.

Mechanic and mob enforcer Ben Beciraj can’t believe his eyes when Houston socialite Aston McNeil storms into his chop shop and demands the return of the car he’s just repossessed. He counters with a deal he never expects the fiery blonde heiress to accept–one week at his beck and call for the keys to her late father’s favorite toy.

But Ben’s plans to have a little fun with a girl way out of his league are shot to hell after one taste of sweet, beguiling Aston. When her stepbrother’s shady dealings are revealed, Ben will do anything to protect her from the seedy underworld he inhabits–even if it means crossing the only family he’s ever known.

You can use these letters as they are, modify them to suit your needs or your business or just use one sentence from a letter. Each letter should be on your company letterhead and include your company name, address, phone and fax, web address, email and any other contact information. The letters that get the best results are not “form” letters. If a letter looks like a form letter it loses some of its punch. The most effective letters are short, to the point and easy to read. Try to avoid long or confusing words and sentences. The more direct, the fewer misunderstandings. Have someone read your letter and see if they totally understand it. If they do, then chances are your debtor will, too. Your letter is a reflection of your business; keep it professional. Remember that your letter is to persuade someone to send you money. Your wording and tone are critical, especially if this is a customer you want to continue to do business with. Always assume the debtor will pay. Enclosing an envelope for payment is always a good idea. You can also include an envelope with postage. The easier you make it for the debtor to make payment, the better your chances are of receiving that payment. Collection letters should do two things: retain customer good will and help you get paid. You know a letter works well when you do a mailing and your phone rings off the hook when everyone receives their letters. If you send out a letter and there is no response, you need to re-work your letter.

Refer to this financial management guide to help you gain control of your personal finances from assessment to budgeting to home ownership. The tips included will be beneficial for everyone in your family regarding money and credit issues. You will learn the differences in needs versus wants, creating a manageable budget, saving for future expenditures, paying off debt, and housing related rights and responsibilities.