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Carry A: Your First Money Moves

Your First Money Moves

The Teen & Young Adult's No-BS Guide to Budgeting, Saving, Investing, and Building the Financial Life You Actually Want

Public-Private Partnerships for Infrastructure, Third Edition explains how public-private partnerships are prepared, procured, financed, and managed from both public- and private-sector perspectives. As the use of public-private partnerships continues to develop and evolve worldwide, this leading resource synthesizes the latest approaches. The third edition has been updated throughout to reflect changes due to increased focus on assessing the case for different PPP approaches, evolving approaches to value for money, management of mature PPP contracts and their expiry, managing new and emerging risks such as climate resiliency, new market players, and more. This book emphasizes a step-by-step approach within a comprehensive, cross-referenced format. It includes clear explanations of PPP evaluation, structuring and financing concepts for those new to the topic, and it uses detailed reference points for more experienced practitioners. It draws from the authors’ public and private sector experience and practice in PPP markets worldwide to provide a perspective on practical application of the key underlying principles. This book is an invaluable resource for public sector PPP policymakers, project procuring authorities as well as private sector investors and lenders. Upper-division undergraduates and graduate students studying the delivery and financing of large projects will also find this book an ideal reference for public policy issues and structured finance.

Principles of Policy and Finance

Public-Private Partnerships for Infrastructure

Full Time CEO, LLC

Building Wealth Without Letting Emotion Control You

Cold Money

Discover the timeless secrets to wealth and success with Think and Grow Rich, a groundbreaking work by Napoleon Hill. After 25 years of research and interviews with over 500 of the most prosperous individuals of his era, Hill revealed a proven formula based on mindset and behavior to unlock financial achievement. This updated edition features new insights and inspiring success stories from modern icons, proving that these principles remain powerful tools for anyone ready to transform their life and reach their fullest potential.Key Features: <ul><li>Elegant gold foiling and premium paperback design for a luxurious reading experience</li><li>Classic wealth-building strategies refined through decades of research</li><li>Updated edition includes success stories of contemporary leaders like Bill Gates and Steven Spielberg</li><li>Clear, actionable thirteen-step formula to develop a millionaire mindset</li><li>Practical guidance to set and achieve ambitious personal and financial goals</li></ul>

Timeless Bestseller (Original, Unabridged Classic) Premium Paperback

Penguin Select Classics: Think and Grow Rich

Learn to navigate your midlife crisis through vetted financial guidance and personal stories of reinvention. Whether it's job loss, divorce, a dire medical diagnosis, dealing with aging parents, or burning out in a dead-end career, almost all of us will experience some kind of crisis at the rough midpoint of life. And most of us are not financially ready to deal with it. In How to Afford Your Midlife Crisis: A Fearless Financial Guide for Women Who Won't Settle, financial expert Kimberly Palmer uses facts and advice, humor and real-world stories, and a huge amount of financial savvy to show that you can survive a midlife crisis-and in fact, come out better for it. Each chapter's takeaways and tips make it easy for readers to apply the lessons to their own lives, while personal stories from women who found ways to reinvent themselves after career shifts, job loss, divorce, and financial hardship provide the inspiration we all need. Whether a midlife crisis is precipitated by internal factors like wanting something new or external ones like job loss, the economic ramifications are significant. And the tough reality is that in this day and age, women are hitting midlife at a time of extreme economic uncertainty. But with the right planning, you can turn the classic midlife "moment" into an opportunity, even if it includes unexpected turns along the way.

A Fearless Financial Guide for Women Who Won't Settle

How to Afford Your Midlife Crisis

Facing foreclosure? Put together a plan and take action. Don't wait to take action if you're behind in mortgage payments and facing a potential foreclosure. Foreclosure filings are rising again nationwide, and The Foreclosure Survival Guide covers your options for avoiding the loss of your home or at least delaying it. The strategies and useful information in this book will give you the tools you need to develop a plan to try to keep your home or decide if it makes sense to move on. This guide can help you learn how to navigate foreclosure and potentially stay in your home. It gives you the practical information you need, including: <ul> <li>the ins and outs of foreclosure</li> <li>how to decide whether you should try to keep your house</li> <li>what programs are available to potentially save your home, and how to apply for them</li> <li>how to bring your loan current in Chapter 13 bankruptcy</li> <li>if you can't stay in your home, how to avoid unnecessary costs by filing for Chapter 7 bankruptcy</li> <li>what alternatives for giving up the property, like a short sale or deed in lieu of foreclosure, are available, and</li> <li>how to avoid becoming the victim of a foreclosure rescue scam.</li> </ul> This book's powerful yet practical advice also explains the 120-day foreclosure waiting period before foreclosure starts, how the foreclosure process works in each state, potential tax consequences, and more. This edition is updated with the latest information on mortgage-assistance programs for homeowners, federal mortgage servicing laws, HOA foreclosures, property tax foreclosures, and recent court decisions affecting homeowners' rights. Foreclosure can be an intimidating and scary experience. The stress of potentially losing the family home can drive people to make mistakes, either by doing the wrong thing or failing to act at all. You need to know your options if you're having trouble making your mortgage payments or are already in danger of foreclosure. Your actions are vitally important if you want to keep your home or at least get through the process with as little anxiety as possible. This book has essential tips on what to do--and what not to do--if you're facing a foreclosure.

The Foreclosure Survival Guide

The Hidden Impact of Everyday Money DecisionsBrunches, Budgets &amp; Breakthroughs explores the real financial lives of modern men and women through relatable stories that reflect how money is experienced, not just managed. From daily spending habits and career shifts to relationships and unexpected setbacks, it shows how financial patterns form and,more importantly, how they can be changed.This guidebook blends practical financial insight with mindset shifts that help professionals understand behavior, rebuild confidence, and make more intentional decisions. It avoids rigid rules and one-size-fits-all budgeting approaches, focusing instead on progress over perfection.&nbsp;For those who want to feel more in control of their finances, without sacrificing the life they enjoy, this guidebook highlights how small decisions accumulate into larger financial outcomes. It is designed for professionals navigating financial pressure, change, or uncertainty, offering a grounded and accessible perspective on money management.&nbsp;

Transform Your Money Habits Without Sacrificing the Life You Love

Brunches, Budgets, and Breakthroughs

You care for everyone else. Now it is time to build a financial future that cares for you.In The Nurse Who Invests, nurse practitioner Ellaine Maala shares the mindset shifts and practical strategies that helped her stop depending on overtime, double her hourly rate, and save her first $100,000 in less than three years.Inside, you will learn how to: - Replace scarcity thinking with a more intentional relationship with money- Increase your nursing income through strategic job changes, shift differentials, certifications, and negotiation- Use the 3x12 schedule to create more options without sacrificing every day off- Start investing through accounts such as a 401(k), Roth IRA, and HSA- Automate saving and investing so progress continues even during demanding weeks- Work toward Coast FI--the point when you can keep nursing because you choose to, not because financial pressure leaves you no choiceEach chapter combines Ellaine's personal experience with a clear next step you can take in the real world. Her approach is built for the realities of nursing: long shifts, burnout, variable schedules, and a profession that can provide a solid income without automatically creating lasting wealth.Whether you are a new graduate, an experienced RN, a nurse practitioner, or another healthcare professional ready to make your money work harder, this book offers an encouraging and actionable path from feeling behind to investing with confidence and purpose.

The Financial Freedom Playbook for Nurses Who Want More Than Just a Paycheck

The Nurse Who Invests

'A valuable guide to turning investment knowledge into better investment behaviour.' - Wes Gray, PhD, CEO, Alpha Architect Warren Buffett is the world's greatest investor, yet most people ignore his advice, chasing fads instead. In this updated second edition of Think, Act, and Invest Like Warren Buffett, investing expert Larry Swedroe demystifies Buffett's success, revealing it stems from a disciplined, systematic strategy-then shows you how to apply those principles to your own portfolio. By adopting a passive, evidence-based approach and a robust asset allocation plan, Swedroe teaches you to stop gambling and start investing intelligently. He translates groundbreaking research into a practical framework so you learn to:<ul><li>Develop your own investment principles to follow</li><li>Determine the level of risk that is right for you</li><li>Silence "market noise"and ignore destructive forecasts</li><li>Master the temperament required to stay the course</li></ul> This new edition includes the latest academic evidence on Buffett's investing philosophy, demonstrating that the secret to successful investing is simpler than you think. Stop guessing and start growing your wealth using the proven, timeless principles that built Berkshire Hathaway.

How to play the winner's game in investing and life

Think, Act, and Invest Like Warren Buffett

Can a grocery budget challenge help you feed your family for a week without panic, waste, or shame? The $30 Grocery Challenge follows one mother as she turns a nearly empty kitchen into a practical plan for cheap family meals, frugal grocery shopping, and steady, dignified choices. Vanessa Brooks has two children, thirty dollars, and seven long days ahead. Her refrigerator is nearly empty. Her work hours have been cut. Every trip to the store feels like a test of how far one person can stretch a dollar before fear takes over. Instead of giving in to the panic, Vanessa opens a notebook. She compares stores. She gives every dollar a job. She builds meals around rice, beans, oats, lentils, eggs, vegetables, and ingredients that can work more than once. She learns how to make repetition feel comforting instead of defeating, how to involve her children without passing along her fear, and how to turn one hard week into a system the family can keep using. Part emotional story and part practical family budgeting guide, this book is for parents, caregivers, and anyone trying to make groceries last until the next paycheck. It speaks to the person doing mental math in the checkout line, putting an item back, eating last, or wondering how to feed a family cheaply without losing warmth, variety, or self-respect. Inside, you will learn how to: <ul><li>Build a clear grocery plan before entering the store</li><li>Divide a small food budget between staples, protein, produce, breakfast, and a price-change buffer</li><li>Choose multi-use ingredients that support several meals</li><li>Stretch groceries with flexible base meals, leftovers, and simple flavor changes</li><li>Use pantry staples to create affordable breakfasts, soups, wraps, bowls, patties, and family dinners</li><li>Plan cheap meals without making the table feel joyless</li><li>Compare prices, track what lasts, and create a calmer weekly grocery rhythm</li><li>Help children understand resourcefulness without making them carry adult financial stress</li><li>Move from emergency spending decisions to a repeatable household system</li></ul>Vanessa's journey is supported by practical tools woven into the story, including: <ul><li>The $30 Grocery Split</li><li>The 3-Meal Ingredient Test</li><li>The Stretch-It Matrix</li><li>The Checkout Calm Plan</li><li>The Weekly Reset</li></ul>These tools help turn grocery budgeting from a frightening calculation into a series of manageable decisions. The appendix includes 11 practical worksheets covering: <ul><li>Real-life budgeting</li><li>No-spend days and emotional spending triggers</li><li>Meal planning</li><li>Pantry and freezer inventory</li><li>Weekly expenses and morale</li></ul>The worksheets are designed to help readers apply the lessons to their own homes rather than leave the ideas on the page. Alongside the story and worksheets, readers also have access to a practical companion planner with checklists and planning pages for turning the book's grocery-budget lessons into a weekly routine. This is not a story about pretending scarcity is easy. It is about learning what can still be controlled when money is tight: the list, the plan, the next meal, the way a parent speaks to a child, and the decision to keep dignity at the center of the table. For single parents, low-income families, caregivers, and readers drawn to frugal living books with heart, Vanessa's story brings together meal planning on a budget, cooking from scratch, pantry strategy, family resilience, and the quiet courage of showing up again tomorrow. You are not failing because the grocery total is small. You are learning to make the next careful choice. Step into Vanessa's kitchen and discover how one difficult week can become the beginning of a calmer, steadier way to care for your family-one list, one meal, and one dollar at a time.

How to Feed Your Family for a Week with Strategy and Dignity: A Proven Plan for Feeding a Family Without Fear (Inspired by a Viral Reddit Thread)

THE $30 GROCERY CHALLENGE

THE INSTANT SUNDAY TIMES BESTSELLER'A masterpiece' Rory Sutherland, author of AlchemyWhat if everything you've been told about money is wrong?Here, a leading investor reveals what the wealthiest people know about money - but most of us don't. From why cutting down your spending will never make you rich, to why buying your own home might not be such a good idea after all, Rob Dix cuts through the bullshit to identify an alternative path to lasting wealth.__'A brilliant read that is equally engaging, informative and accessible. This book will make you revisit, reconsider and maybe even refresh your thinking on some of the things you always thought you knew about money and investing.' Jack Meaning, co-author of Can't We Just Print More Money?'A lively take on modern money management from a gifted storyteller, filled with intriguing financial predictions.' Claer Barrett, author of What They Don't Teach You About Money

And the Truth About Finding Financial Freedom

Seven Myths About Money

Highly anticipated debut book from award-winning creator featured in Vogue, The Times, and The Telegraph. Frugal Chic is the complete guide to fixing your finances, protecting your time, and building your personal style, in 12 simple steps. Social media sensation and pioneer of the viral Instagram and TikTok movement 'Frugal Chic', Mia McGrath reveals how to build a life that feels stylish, intentional and financially secure. Drawing on behavioural psychology, philosophy, and her own journey from fashion obsessive to self-made saver, Mia reveals how modern life quietly erodes self-worth and fuels overspending. She explains why traditional budgeting advice fails, why identity matters more than discipline, and why true freedom comes from simplicity rather than restriction. In this relatable, life-changing guide, Mia shows: - how to shift your identity to intentional saver - why social media and overconsumption keep you stuck in emotional spending cycles - how to cultivate rituals, taste, and habits that reduce financial chaos - how to save and invest to grow your wealth with confidence Frugal Chic is not about penny-pinching, depriving yourself, or perfection. It's about spending intentionally on what matters to you most in life and building wealth for your future.

12 Habits for Building Wealth, Stylishly

Frugal Chic

Winner of the Axiom Business Book Awards 2025 Discover why true wealth extends far beyond your bank balance - and how to achieve it. We find ourselves at a crossroads. We all know that true wealth is about far more than money. Wealth is friends, family, health, a vocation, command of your time, leisure, and whatever else is important to you. And yet, we are all guilty of acting as if money alone is wealth and an end in itself. How do we navigate this crossroads to find the right balance between monetary wealth and true, soulful wealth? Enter Daniel Crosby - behavioural finance expert and author of the smash hits The Laws of Wealth and The Behavioral Investor. In The Soul of Wealth, Daniel presents 50 short essays exploring what wealth really is and provides practical suggestions for changing your thinking and actions in small, powerful ways. You'll learn: - How your spending reveals your values - That money can buy happiness if spent well - What makes a good financial plan - Why willpower is overrated - How to master delayed gratification for the ultimate wealth hack - Why anything worth doing carries some risk - And much, much more! Accessible and inspirational, The Soul of Wealth is the ultimate compendium of the world's best behavioural and personal finance knowledge. It will challenge your thinking, rekindle forgotten truths, and empower you to embrace a new relationship with your money. Now part of the Harriman House Essentials Collection, a series showcasing the very best of business and finance books.

Harriman House Essentials

The Soul of Wealth

Your First Money Moves

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