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Irregular-Income Budget

Cash-Flow Planning for Freelancers, Creators, and Seasonal Workers

A Better Way to Live Is Within ReachNumber one national bestselling author and trusted financial expert Anthony O'Neal provides the practical tools and everyday habits needed to build margin even if you're starting from zero. Drawing from his own story and years of coaching thousands toward financial freedom, Anthony shows you how to create real breathing room and finally take control of your money. Through simple, proven steps, you'll learn how to: <ul><li>Stabilize your finances and cast a vision for the goals that will guide you forward</li><li>Eliminate all consumer debt and regain control of your spending</li><li>Save three to six months of take-home pay and create habits that protect your progress</li><li>Invest with confidence so your money starts working harder than you do</li><li>Pay off your home, lock in your family's legacy, and start building wealth that blesses the people you love most</li></ul> If you're tired of the stress and exhaustion of barely getting by, this book offers a proven roadmap to break the cycle for good. You don't need more shame. You need a plan and someone to walk with you while you take the first step. This is your fresh start.

The Proven Path to Break Free from Debt, Build Real Wealth, and Live Free on Any Income

Stop Living Paycheck to Paycheck

The bestselling dog calendar!&nbsp; The 365 Dogs Page-A-Day® calendar features a wonderful pet photo for every day of the year, all submitted by readers. Plus stories about these adorable dogs, care tips, breed information, and more.<ul><li>CAPTIVATING CANINES: Meet an adorable contest winner each day, including Golden Retrievers, Border Collies, mixed-breed beauties, and precious puppies. </li><li>FETCHING FEATURES: Dozens of dog profiles, pawverbs to live by, Funny Bones, full-color photos, and fun facts to discover! </li><li>DOGGONE GREAT GIFT: Any dog person will fall in puppy love with this calendar, perfect for home, school, or office. </li><li>NOW PLASTIC-FREE!: Page-A-Day® Calendars are environmentally friendly! Printed on responsibly sourced paper and 100% recyclable, with sturdy cardboard backers. </li></ul>

The World's Favorite Dog Calendar

365 Dogs Page-A-Day® Calendar 2027

Celebrate the timeless quirks, wisdom, and lovable flaws of your favorite PEANUTSÂ(R) characters with this new and colorful wall calendar. The vibrant PEANUTSÂ(R) 2027 Wall Calendar brings together the iconic crew--SNOOPY's daydreams, LUCY's sass, CHARLIE BROWN's endearing uncertainty, and more--each month featuring a spotlight moment that shows off all their unique personalities. Whether you connect with LINUS's thoughtful wisdom or PEPPERMINT PATTY's bold spirit, this calendar brings insight and smiles to your monthly routine. A perfect gift for fans who know it's the mix of personalities that make PEANUTSÂ(R) unforgettable. As a special bonus, a sheet of static cling decals is included. Other features include: <ul><li>12" x 12" (12" x 24" open)</li><li>Cover design eliminates need for plastic packaging</li><li>Printed on FSCÂ(R)-certified paper with soy-based ink</li><li>Planning spread for September-December 2026</li><li>Spans January-December 2027</li><li>Generous grids provide space to add appointments and reminders</li><li>Official major world holidays and observations</li><li>Moon phases, based on Universal Time</li><li>A single pose of a PEANUTSÂ(R) character and accompanying text appears each month</li><li>A sheet of static cling decals of the PEANUTSÂ(R) characters is included</li><li>WE PLANT TREES--Andrews McMeel is a proud supporter of Trees for the Future, a nonprofit organization that trains communities on sustainable land use so that they can build vibrant regional economies, thriving food system, and a healthier planet.</li></ul>

PEANUTS® 2027 Wall Calendar with Clings

Explore the world without leaving home with this year of amazing destinations adapted from Patricia Schultz’s #1 New York Times bestselling book.<ul><li>AN ITINERARY IN PHOTOS: Each monthly spread includes dozens of full-color images accompanied by engaging text packed with history, highlights, maps, and traveler’s tips. </li><li>BUCKET LIST DESTINATIONS: Visit some of the world’s most beautiful places without going anywhere. &nbsp; </li><li>AMAZING GIFT: Travel obsessives will love the 12” x 14” picture-a-day format, with more photography and content in every month. &nbsp; </li><li>PLASTIC-FREE!: Workman wall calendars are completely plastic-free! Now printed with an extended paper flap closed with a fully recyclable seal—no more shrink-wrap! </li></ul>

A Traveler's Calendar

1,000 Places to See Before You Die Picture-A-Day® Wall Calendar 2027

mitp Business

&lt;ul&gt;
    &lt;li&gt;&lt;b&gt;Klarer Fahrplan zum systematischen Aufbau von KI-Kompetenz im Mittelstand&lt;/b&gt;&lt;/li&gt;
    &lt;li&gt;&lt;b&gt;Konkrete Use Cases, Quick Wins und messbare Ergebnisse&lt;/b&gt;&lt;/li&gt;
    &lt;li&gt;&lt;b&gt;Mit praxisnahen Beispielen und Checklisten zur KI-Transformation&lt;/b&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Wertschöpfung durch KI&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Künstliche Intelligenz ist kein Zukunftsthema mehr. Sie verändert bereits heute Märkte - auch im Mittelstand. Gleichzeitig herrscht große Unsicherheit: Was ist wirklich relevant? Wo bindet man Ressourcen, ohne Wirkung zu erzielen?&lt;/p&gt;
&lt;p&gt;Dieses Buch setzt genau hier an. Es richtet sich an Unternehmen, die sich bislang noch nicht systematisch mit KI beschäftigt haben, aber Handlungsbedarf sehen. Im Mittelpunkt steht nicht die Technologie, sondern die Frage nach konkreter Wertschöpfung: Wo kann KI sinnvoll entlasten, Prozesse verbessern oder Entscheidungen unterstützen? Und wie lässt sich dieser Nutzen realistisch bewerten?&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Use Cases und Quick Wins einsetzen&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Anhand eines strukturierten Readiness-Checks wird zunächst der eigene Status realistisch eingeordnet. Darauf aufbauend beleuchten die Autoren typische Fehlannahmen, notwendige Voraussetzungen und bewährte Vorgehensweisen aus der Praxis. Konkrete Use Cases, Quick Wins und messbare Ergebnisse machen den KI-Nutzen greifbar. Dabei wird klar aufgezeigt, was heute sinnvoll umsetzbar ist und wo falsche Erwartungen korrigiert werden sollten.&lt;/p&gt;
&lt;p&gt;Mit diesem Buch erhalten Sie einen praxisnahen Leitfaden für Unternehmen, die KI fundiert, verantwortungsvoll und wirksam einsetzen wollen.&lt;/p&gt;
&lt;p&gt;&lt;b&gt;Aus dem Inhalt:&lt;/b&gt;&lt;/p&gt;
&lt;ul&gt;
    &lt;li&gt;Was Künstliche Intelligenz kann - und warum sie für KMUs relevant ist&lt;/li&gt;
    &lt;li&gt;Exponentielles KI-Wachstum und seine Auswirkungen auf den Mittelstand&lt;/li&gt;
    &lt;li&gt;Readiness-Check: Reifegrad bestimmen und Handlungsfelder erkennen&lt;/li&gt;
    &lt;li&gt;Typische KI-Fehlannahmen im Mittelstand und deren Folgen&lt;/li&gt;
    &lt;li&gt;Technische, organisatorische und kulturelle Voraussetzungen&lt;/li&gt;
    &lt;li&gt;Die vier Säulen einer nachhaltigen KI-Transformation&lt;/li&gt;
    &lt;li&gt;Kompetenzaufbau für Mitarbeitende und Führungskräfte&lt;/li&gt;
    &lt;li&gt;Quick Wins und Pilotprojekte mit realistischem Aufwand&lt;/li&gt;
    &lt;li&gt;Messbarkeit, Kennzahlen und Bewertung von KI-Nutzen&lt;/li&gt;
&lt;/ul&gt;

Oumar Langer

Fabienne Tressin

Praxisnahe Strategien für Entscheider

KI-Kompetenz im Unternehmen aufbauen

The Power of Now 2027 Wall Calendar pairs inspiration from Eckhart Tolle's #1 New York Times bestselling book about the joy and peace of living in the moment with thoughtfully curated photos of unique landscapes, gorgeous flowers, and other miracles of nature. As one of the most influential spiritual authors of our time, Eckhart Tolle has changed the lives of millions as they seek inner peace and happiness with his profound yet simple teachings on meditation and how to live mindfully in the present. This calendar offers those teachings in a beautiful package perfect for anyone trying to bring more mindfulness into their life. Features include: <ul><li>12" x 12" (12" x 24" open)</li><li>Cover design eliminates need for plastic packaging</li><li>Printed on FSCÂ(R) certified paper with soy-based ink</li><li>Spans January-December 2027</li><li>Generous grid space for notes, appointments, and reminders</li><li>Official major world holidays and important observances of the world's major religions</li><li>Moon phases, based on Universal Time</li><li>Eckhart Tolle's life-changing wisdom plus stunning photos of nature</li><li>Wall art for your home, school, or office that provides a sense of time for planning and dreaming</li><li>WE PLANT TREES to help offset our carbon footprint and resource usage -- more than 1.25 MILLION and growing!</li><li>NO SINGLE-USE PLASTIC -- We have eliminated single-use shrink wrap to reduce plastic pollution.</li><li>RESPONSIBLY SOURCED -- Our paper is responsibly sourced from a combination of recycled materials and wood harvested from socially and environmentally sustainable forests and is FSCÂ(R) certified.</li></ul>

A Year of Inspirational Quotes

The Power of Now 2027 Wall Calendar

A year of habit-forming joy with hand-colored images of nuns having a blast!<ul><li>PURE FUN: Nostalgic, vintage-style images of nuns playing baseball, fishing, and giving haircuts! </li><li>HOLY HILARITY: Punny captions by Maureen Kelly and Jeffrey Stone, coauthors of the New York Times bestselling book Growing Up Catholic, enhance the joy. </li><li>GREAT GIFT: Perfect for Christmas, this calendar is a divinely funny gift for Christians of all persuasions. </li><li>NOW PLASTIC-FREE!: Workman wall calendars are completely plastic-free! Now printed with an extended paper flap closed with a fully recyclable seal—no more shrink-wrap! </li></ul>

Real Nuns Having a Rollicking Good Time

Nuns Having Fun Wall Calendar 2027

Occupational Outlook

The Occupational Outlook Handbook (OOH) is the premier, nationally recognized source for career information. Especially designed to provide valuable up-to-date information, the Handbook is great for all individuals making decisions about their future including students about to graduate from high school or college, recent graduates, individuals returning to the workforce after an absence, or anyone looking for a career change. It has been used by millions since the 1940s.

Occupational Outlook Handbook, 2024-2034

A year of hilarious, irresistible photographs of cats who have gotten into the good stuff.<ul><li>THE HIGH LIFE: Goofy photos of cats under the influence make a charming—and hysterically funny—calendar for cat lovers with a sense of humor. </li><li>UNDER THE INFLUENCE: Based on Andrew Marttila’s beloved Instagram account, enjoy a year of chilled-out calicos, tabbies, and orange cats getting dazed and confused. </li><li>GREAT GIFT: Cat parents and pet lovers will love this calendar that shows off the silly side of felines and celebrates their favorite herb. </li><li>NOW PLASTIC-FREE!: Workman wall calendars are completely plastic-free! Now printed with an extended paper flap closed with a fully recyclable seal—no more shrink-wrap! </li></ul>

A Year of Cats Living the High Life

Cats on Catnip Wall Calendar 2027

Stay motivated and keep going with 365 days of quotes and sayings to inspire and power you through the year.<ul><li>STIFF UPPER LIP: We could all use more of the “you can do it” spirit of the iconic poster designed to keep Britons’ morale up through World War II. &nbsp;This calendar contains hundreds of quotes and sayings to motivate, inspire, and power you throughout the year. </li><li>GIFT POSITIVITY: With words of perseverance, optimism, truth, and quiet courage, this calendar will bring encouragement and strength to any desk. </li><li>NOW PLASTIC-FREE!: Page-A-Day® Calendars are environmentally friendly! Printed using soy-based inks and 100% recyclable, with sturdy cardboard backers. </li></ul>

365 Quotes, Slogans, and Mottos for 2027

Keep Calm and Carry On Page-A-Day® Calendar 2027

A year of amazing fantasy images from beloved artists Boris Vallejo and Julie Bell.<ul><li>ENCHANTING ART: Step into the wondrous world of Boris Vallejo and Julie Bell, full of dark forces, awe-inspiring creatures, and fierce men and women who rule over it all. Monsters, warriors, and sorceresses await. </li><li>BELOVED ARTISTS: Boris Vallejo is America’s premier fantasy artist, famous for his illustrations of Tarzan, Conan the Barbarian, Doc Savage and many other fantasy characters. Julie is a world-renowned, award-winning fantasy artist and wildlife painter, winner of two Chelsea Awards, and the designer of the popular and award-winning Dragons of Destiny series; in 2023, she was the Artist Guest of Honor at DragonCon. </li><li>GORGEOUS GIFT: With twelve beautiful full-color paintings and a bonus centerfold poster, fantasy fans will love this calendar by the premier fantasy artists. </li><li>NOW PLASTIC-FREE!: Workman wall calendars are completely plastic-free! Now printed with an extended paper flap closed with a fully recyclable seal—no more shrink-wrap! </li></ul>

A Year of Classic Fantasy Art for 2027

Boris Vallejo and Julie Bell's Fantasy Wall Calendar 2027

Enjoy a daily crossword puzzle that delivers the perfect balance of challenge, creativity, and fun in 10 minutes or less.<ul><li>QUICK AND LIVELY: The perfect way to wake up the crossword lover’s brain—a daily puzzle that’s quick enough to be completed with your morning coffee, but tough enough to be sanctioned by Mensa, the internationally famous high-IQ society. </li><li>CHALLENGING FUN: Expertly curated by veteran crossword editor Stanley Newman, these creative puzzles cover a wide variety of subjects including politics, sports, science, and pop culture. If you’re having an off day, that’s ok—solutions are printed on the reverse of each page. </li><li>GENIUS GIFT: Perfect for any crossword puzzler, word nerd, or prospective Mensa member. Great for home, school, or office! </li><li>NOW PLASTIC-FREE!: Page-A-Day® Calendars are environmentally friendly! Printed on responsibly sourced paper and 100% recyclable, with sturdy cardboard backers. </li></ul>

Mensa 10-Minute Crossword Puzzles Page-A-Day® Calendar 2027

Irregular-Income Budget

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