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Small Leaks, Stronger Finances

Finding Hidden Expenses, Reducing Monthly Bills, Managing Debt, and Building Savings on Your Existing Income

A comprehensive look at inequalities and why they matter There is a widespread sense throughout the developed world that progress towards a better society has stalled. Many countries, including the UK, have experienced persistent economic stagnation accompanied by declining trust in institutions. Governments are struggling to respond not only to traditional economic problems but also to newer challenges posed by climate change, migration and technological change. Challenging Inequalities, written by Paul Johnson and coauthors, drawing on the findings of the six-year IFS Deaton Review, connects these conditions to inequality—inequality not just of income and wealth but of health, political participation and opportunity. It not only offers a detailed analysis of the different forms of inequalities but also an in-depth consideration of why inequalities matter, how they have changed and what can, or should, be done about them. The book explains the enduring effects of early life experiences and education and examines the trends in employment and earnings over recent decades. It argues that economic stagnation since the financial crises of 2008–2009 has exposed inequalities originating in the 1980s. Not only have incomes stagnated, but so has progress towards reducing health inequalities and dealing with inequalities across gender, ethnicity, geography, age and educational level. The combination of earnings inequality and economic stagnation has led to the growing importance of wealth, the increasing concentration of economic power in an older generation and a decline in social mobility. Economic inequalities have also resulted directly in dangerous differences between regions and in political power across groups. The need to address inequality has never been more urgent. Challenging Inequalities offers a road map for how we have arrived at such a perilous spot—and how we can change course to achieve better outcomes for all.

How We Got Stuck and Where We Go Next

Challenging Inequalities

Inspire a year full of imagination and creativity with this interactive calendar especially for kids ages 8 and up!<ul><li>FAMILY FAVORITE: Unplugged fun for everyone! Get kids involved with family organizing and counting the days with doodling, coloring, and games every month. One mom says: “I swear he knows what day it is more than I do!” </li><li>PACKED WITH FUN—AND STICKERS!: Includes 300 stickers for decorating and marking events, from vacations and birthdays to sick days and field trips. </li><li>GREAT GIFT: Encourage creativity and organization at the same time with this calendar featuring lively illustrations, fun activities, and inspiring prompts. </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>

Includes 300+ Super Fun Stickers!

Kid's Awesome Activity Wall Calendar 2027

A textbook that examines how societies reach decisions about the use and allocation of economic resources While economic research emphasizes the importance of governmental institutions for growth and progress, conventional public policy textbooks tend to focus on macroeconomic policies and on tax-and-spend decisions. Markets, State, and People stresses the basics of welfare economics and the interplay between individual and collective choices. It fills a gap by showing how economic theory relates to current policy questions, with a look at incentives, institutions, and efficiency. How should resources in society be allocated for the most economically efficient outcomes, and how does this sit with society's sense of fairness? Diane Coyle illustrates the ways economic ideas are the product of their historical context, and how events in turn shape economic thought. She includes many real-world examples of policies, both good and bad. Readers will learn that there are no panaceas for policy problems, but there is a practical set of theories and empirical findings that can help policymakers navigate dilemmas and trade-offs. The decisions faced by officials or politicians are never easy, but economic insights can clarify the choices to be made and the evidence that informs those choices. Coyle covers issues such as digital markets and competition policy, environmental policy, regulatory assessments, public-private partnerships, nudge policies, universal basic income, and much more. Markets, State, and People offers a new way of approaching public economics. <ul><li>A focus on markets and institutions </li><li>Policy ideas in historical context </li><li>Real-world examples </li><li>How economic theory helps policymakers tackle dilemmas and choices </li></ul>

Economics for Public Policy

Markets, State, and People

Never lie to each other. Never cheat on each other. And never, ever accept free money.'Tense, pacy debut novel' Guardian'Was hooked and drawn into this from the get go' 5 star reader review****************Mack and Hailey Evans appear to have it all. Successful careers, a beautiful family, and a magnificent new house.But modern life is expensive. So when anonymous payments start arriving, they are spent before they know it. Could this money be from Mack's estranged father? Or one of Hailey's clients? Does it really matter?All too soon they realise that their mysterious benefactor expects a return on their investment. And the price is far steeper than they could have imagined ...****************'Craftily written domestic thriller' Irish Times'A must read' Marie Claire'This book is a blast! Domestic suspense, cautionary tale and crime caper rolled into one, it had me hooked from the first wicked word to the last. A delicious treat' Louise Candlish'Tense novel about greed and denial' The i Paper'I couldn't turn the pages fast enough. What an adrenaline packed ride' Cesca Major'carries a strong sense of horrific dread... carries a slow intensity'Bestsellers World'The diabolical premise at the center will keep you guessing until the very end' Sarina Bowen'Sharp, witty and twisted - a car crash of the American Dream in slo-mo, and I loved every second!' Liane Child'Twisty thriller... holding the reader spellbound as these lives unravel. It's a cracking read' The People's Friend'Devilishly twisted debut which I could not put down' Gillian McAllister'A pacy, high stakes debut that keeps you guessing until the very last page' Andi Osho'A gripping, refreshing read' Emily Elgar'Brisk pacing, clever red herrings, and haunting denouement' Publishers Weekly'Impressive debut... cleverly plotted for fans of domestic suspense and 'eat the rich' narratives' Booklist reviewFeatured as Spring 2026 Most Anticipated List, Zibby MediaFeatured as 10 Most-Anticipated Mystery-Thriller Books 2026, Marie ClaireFeatured as 10 debut fiction books by women to read in 2026, StylistREADERS ARE GRIPPED ...'The suspense and tension was built brilliantly. That simmering unease always there''A completely original plot ... I love, love, loved it!''Sharp, unsettling and thoroughly addictive''Lingers long after the final page'

Very Slowly All at Once

Handbook of U.S. Labor Statistics

The Handbook of U.S. Labor Statistics is recognized as an authoritative resource on the U.S. labor force. It continues and enhances the Bureau of Labor Statistics' (BLS) discontinued publication, Labor Statistics. It allows the user to understand recent developments as well as to compare today's economy with that of the past. In addition, it includes the most current employment projections through 2035. The Handbook is a comprehensive reference providing an abundance of information on a variety of topics. In addition to providing statistics on employment, unemployment, and prices, it includes information on topics such as: ·Earnings ·Productivity ·Consumer expenditures ·Occupational safety and health ·Union membership ·Working poor ·Recent trends in the labor force ·And much more! In addition to over 215 tables that present practical data, the Handbook provides: ·Introductory material for each chapter that contains highlights of salient data and figures that call attention to noteworthy trends in the data ·Notes and definitions, which contain concise descriptions of the data sources, concepts, definitions, and methodology from which the data are derived ·References to more comprehensive reports which provide additional data and more extensive descriptions of estimation methods, sampling, and reliability measures

Employment, Earnings, Prices, Productivity, and Other Labor Data

Handbook of U.S. Labor Statistics 2027

<div>Plan better, stress less. Take small, confident steps toward financial wellness with this accessible workbook. Budgeting and financial planning can feel overwhelming—Money Mastery is here to help. This approachable workbook is designed for anyone, regardless of income. With easy exercises and simple language, it breaks down concepts like budgeting, saving, and retirement planning into manageable, encouraging parts. You don’t need a background in finance, just a desire to feel more in control of your money. Whether you’re just starting out, living paycheck to paycheck, or planning for retirement, you can use this easy-to-follow guide covering the essential building blocks of financial literacy, including: <ul><li>Strategies for saving</li><li>Budgeting for beginners</li><li>Retirement planning, regardless of your age</li></ul> Good money habits start with what you have right now. Through thoughtful prompts and step-by-step exercises, you’ll learn how to track expenses, create realistic savings goals, understand how interest works for (or against) you, and build a simple plan for the future. From managing daily expenses to setting long-term financial goals, Money Mastery helps you break down the big picture into doable steps. It’s a supportive guide for anyone ready to reduce financial stress and gain clarity around their money. Change doesn’t happen overnight, but small steps build real momentum. Each choice you make—no matter how minor—adds up over time. Whether it’s tracking your spending for one week or setting aside a few dollars, these small efforts lay the foundation for lasting financial habits. Take control of your finances before they take control of you.</div>

A Financial Wellness Workbook

Money Mastery

A year of stunning dog photography—plus breed facts, quotes, and more—paired with high-quality printing and a sleek easel frame.&nbsp;<ul><li>CELEBRATE MAN’S BEST FRIEND: This calendar captures that lovable canine essence with hundreds of beautiful photos of adorable pups panting, playing, and posing. Meet elegant Salukis, adorable Papillons, athletic Greyhounds, lovable mixed-breeds, and many, many more. </li><li>GORGEOUS GIFT: Any dog person will enjoy a year of energy, charisma, and cuteness with this calendar full of lush photos with witty captions, trivia, and quotes in the elegant gallery format. </li><li>EXCEPTIONAL QUALITY: With beautiful full-color photography, coated paper, and exacting standards of color printing, Page-A-Day® Gallery Calendars offer the quality and feel of an art book. Each calendar is packaged in a clear acrylic box that opens into a desktop easel for elegant, inspiring display. </li></ul>

An Elegant Canine Celebration

Dog Page-A-Day® Gallery Calendar 2027

An invaluable guide introducing young adults to essential money-related concepts and skills The average US household carries more than $7,000 in credit card debt. Americans pay $35 billion a year in fees for mishandling checks and debit cards. Too many have failed to learn even basic money management. In The Money Savvy Teen, Robbie Hyman looks to change that. Using an accessible approach, Hyman details how to develop a healthy relationship with money, the mechanics of money, and navigating the social side of money-an important yet often overlooked aspect of financial success. Filled with stories and humor, this book features simple, easy-to-remember lessons, from how to resist advertisers' psychological tricks, to understanding the fees of using another bank's ATM, to developing a standard phrase that can help anyone out of a tense moment when a friend asks to borrow money. Armed with these simple lessons, money savvy teens will have the tools and confidence to build smart, responsible financial habits that will last a lifetime.

Building Smart Financial Habits That Will Last a Lifetime

The Money Savvy Teen

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

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

Star Wars

Celebrate the year with the Mandalorian and Grogu as they travel a galaxy full of thrilling adventures, snacks, and friends. Includes exclusive new artwork!Based on The Mandalorian and Child by Jeffrey Brown, the New York Times bestselling author of the now classic Darth Vader and Son series, The Mandalorian and Child 2027 Wall Calendar includes artwork unique and charmingly funny illustrations that will delight Star Wars fans and give them a chance to experience The Mandalorian in a whole new way. © &amp; ™ 2025 Lucasfilm Ltd.<ul><li> 24-page 12 x 12 inch month-by-month calendar </li><li> Easy to hang at home or over an office desk </li><li> Monthly dose of Star Wars charm and humor </li><li> Includes September to December 2026 at-a-glance </li><li> Printed on FSC-certified paper </li><li> 100% plastic-free packaging and product </li><li> A must-have and fun present for Star Wars fans of all ages </li></ul>Perfect for: <ul><li> Fans of the Darth Vader and Son series </li><li>Star Wars and The Mandalorian fans </li><li> Busy families </li></ul>

Star Wars The Mandalorian and Child 2027 Wall Calendar

Patterns of Economic Change by State and Area

Patterns of Economic Change by State and Area: Income, Employment, and Gross Domestic Product is a special edition of Business Statistics of the United States. It presents data on personal income, employment, and gross domestic product for the United States as a whole, and by region, state, and metropolitan statistical area (MSA). Data on personal income and employment extends back to 1960 for the states and regions and to 1970 for the MSAs. Patterns of Economic Change complements other Bernan Press titles such as the State and Metropolitan Area Data Book and County and City Extra. In contrast to their predominantly current and detailed cross-section data on states and metropolitan areas, this book contributes historical time-series measurements of key aggregates that show how the economies of regions, states, and metropolitan areas have responded over time to cyclical currents and long-term trends. Statistics at the state level provide a framework for analyzing current economic conditions in each state and can serve as a basis for decision making. For example: ·Federal government agencies use the statistics as a basis for allocating funds and determining matching grants to states. The statistics are also used in forecasting models to project energy and water use. ·State governments use the statistics to project tax revenues and the need for public services. ·Academic regional economists use the statistics for applied research. ·Businesses, trade associations, and labor organizations use the statistics for market research.

Income, Employment, and Gross Domestic Product

Patterns of Economic Change by State and Area 2027

Small Leaks, Stronger Finances

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