The Smartest Way to Save

TheSmartestWay to Save, Why You Can't Save Money and What to Do About It is your guidebook for surviving the recession. Your money is hard to make, but easy to spend. You know you need to save to pay for your home, send your kids to college, and retire. But so many people drown in a sea of toxic debt and feel powerless to overcome destructive, compulsive spending. This concise, readable manual will help you spend less, save more, overcome bad habits, and conquer debt. It is filled with hundreds of practical, doable tips that you can apply to your daily life, regardless of your age or finances. Authors Samuel K. Freshman and Heidi E. Clingen have two different perspectives, but their stories come together to encourage you to embrace your economic situation with enthusiasm. Their straight talk is engaging and compassionate and will make a genuine difference in your wallet--and your future!

TheSmartestWay to Save, Why You Can't Save Money and What to Do About It is your guidebook for surviving the recession. Your money is hard to make, but easy to spend. You know you need to save to pay for your home, send your kids to college, and retire. But so many people drown in a sea of toxic debt and feel powerless to overcome destructive, compulsive spending. This concise, readable manual will help you spend less, save more, overcome bad habits, and conquer debt. It is filled with hundreds of practical, doable tips that you can apply to your daily life, regardless of your age or finances. Authors Samuel K. Freshman and Heidi E. Clingen have two different perspectives, but their stories come together to encourage you to embrace your economic situation with enthusiasm. Their straight talk is engaging and compassionate and will make a genuine difference in your wallet--and your future!

Samuel K. Freshman, a Stanford Law School graduate, is founder and chairman of Standard Management Co., which manages hundreds of millions of dollars in assets. Throughout his legal and business career, Sam has provided hundreds of hours of consulting to high-income-earners about how to save money and invest wisely. He offers workshops on his principles of financial independence and success. Heidi Clingen has a twenty-five-year background in journalism, editing, and writing. She earned a bachelor's in journalism, magna cum laude, from San Francisco State University, and held staff titles and editor positions at The Apparel News Group in Los Angeles, San Francisco Business Journal, and The Wall Street Journal, where she received a Dow Jones Foundation Fellowship. She now is devoted to promoting consumer financial literacy and researching, writing, and speaking on money-saving strategies. Her websites are www.allwritey.com and www.TheSmartestWay.com.