A practical way to think about money today Author and CNN veteran money correspondent Christine Romans believes we should live by three qualifiers: living within our means, living with less debt, and being less vulnerable. While some may say this is old-fashioned, today it's hard to argue with Romans' view. 
 Smart is the New Rich explores how adopting a new approach to money can lead to a healthier financial lifestyle. Each chapter opens with a question about money to begin the conversation about earning, saving, spending, growing, and protecting your money. Using checklists and quizzes, Romans guides you through the "New Normal," helping you to think differently about your money and relearning good habits for prosperity. 
<ul>
<li>Reexamines the money rules abandoned during the consumer bubble and poses the essential questions we should ask ourselves before spend our money </li>
<li>Provides an interactive, step-by-step guide to all things money, from credit, debt, and savings to investing, taxes, and mortgages </li>
<li>A companion Web site allows you to chat with other readers about jobs, mortgage rates, investing, and saving </li>
</ul>
 For thirty years, the financial rules for life revolved around abundant credit. That bubble has burst. Smart is the New Rich addresses why these rules no longer apply, and reveals what it will take to make the right money choices moving forward. Five Retro Spending Rules 
After a generation where “me, more, now” was how we thought about our money, it’s time to walk through these five retro rules when you are about to part with your money. 1. If you don’t need it, don’t buy it. If you can’t afford it, put it down. It’s as simple as that. Ask the three key questions before parting with your cash. “Do I need this?” “Will it make my family better, smarter, more prepared?” “Can I even afford it?” Only you know the answers to those questions. And just asking them gives you pause to evaluate whether the dollar buys you an experience and an investment in your family and your future. 2. Think of money like nutrition. Is a purchase, whatever it is, something that is good for your body, or nothing more than a sugar rush. Prolific and random spending is the money equivalent of eating junk food. It might feel good at the time, but it hurts you in the long run and the limits your options later in life. 3. Negotiate everything. It seems gauche to call it haggling, so let’s call it negotiating. Your cell phone company, cable provider, car rental company, and even your doctor need your business. Politely ask if there are discounts. For travel and leisure, inquire about a complimentary upgrade if they won’t drop the price. (Vacations have never been more attainable--if you can afford them--this is a good time for breaks and discounts.) If you are polite and informed, you will be surprised. 
 4. Always save first. Do you know how much you are saving? Look at your pay stub. Calculate how much money you bring home after taxes. Make sure you are saving at least 6 percent and hopefully 10 percent of that for your future. Save first. 5. Don’t deny yourself. As confidence in the economy returns, the people who have the cushion to spend money will be critical to restore the economy. Every dollar spent at the pizza parlor, on video games, at the zoo sustains jobs. The key is to know what you can live without. The message for anyone struggling with money: The only thing you can control right this second is how the money leaves your hands.

Smart Is the New Rich: If You Can't Afford It, Put It Down

Business & Money

Romans, Christine

Personal Finance

wiley

Do you speak money? You should. It is the world’s most important language. It’s spoken everywhere. Speaking―or at least understanding―this language allows you to follow the real conversations in politics, business, and at work. Understanding money and speaking the language fluently is critical to preparing for a comfortable retirement, building a small business, planning for college and a career for your children. Everyone speaks it differently, with different dialects. Some are riskier than others. Some want to save their money; others want to see it grow. There is no one accent, but understanding the differences will make couples, business partners, and coworkers happier―and wealthier. Authors and CNN financial experts Ali Velshi and Christine Romans speak the global language of money and translate it every day for hundreds of thousands of viewers. And they are here to teach you, too. It’s easier to learn than you might think. 
Speaking money affects every area of your life. It’s more than simply your savings or the investments you may have. It involves the way you think about money, the way you teach your children about it, and the way you were taught about it yourself. It’s about the way you spend it, save it, invest it, use it, need it and want it. The book will: <ul>
<li>Shed light on the male and female spending and investing disparity</li> <li>Discuss emerging international economies</li> <li>Weigh the financial hurdle of student debt culminating in a successful job</li> <li>Explain how to budget wisely and build wealth</li> <li>Show how to plan appropriately for retirement</li> </ul>
How to Speak Money is an easy-to-read, practical book that helps readers become fluent in the world’s most universal language.

How to Speak Money: The Language and Knowledge You Need Now

Velshi, Ali

Time is on your side―smart money management for Millennials Smart is the New Rich: Money Guide for Millennials is an interactive, step-by-step guide to all things money. From credit, student debt, savings, investing, taxes, and mortgages, CNN's chief business correspondent Christine Romans shows this newest generation of earners how to build wealth. You'll learn the old-fashioned approach that leads to a healthier financial lifestyle, and open the door on a straightforward conversation about earning, saving, spending, growing, and protecting your money. You'll learn how to invest in the stock market or buy a home, even if you are still paying off student loan debt. Romans offers expert insight on the "New Normal," and why the rules of the credit bubble―the one you were raised in―no longer apply. Checklists and quizzes help solidify your understanding, and pave the way for you to start putting these new skills into action. For thirty years, the financial rules for life revolved around abundant credit at the ready. A quick look around makes it obvious that those rules no longer work, and Millennials just now coming of age and entering the workforce need a new plan to build a solid financial foundation and healthy money habits. This book puts you on the right track, with step-by-step help and expert guidance. <ul>
<li>Learn what you should ask yourself before spending any money</li> <li>Revisit some old money rules that are actually good habits</li> <li>See simple rules for managing student debt</li> <li>Learn how to talk about money with friends, dates, and parents</li> <li>Find out what makes a Millennial successful in the workforce</li> </ul>
The economy is out of recession and growing, but many young people feel left out of the recovery. It's why smart spending, saving, and debt management is so critical right now for them. A smart money plan is no longer a "nice to have" extra, it's mandatory. Smart is the New Rich: Money Guide for Millennials is your guide on how to use time and some good money manners to build wealth.

Smart is the New Rich: Money Guide for Millennials

See the best price to sell, buy, or rent books by Romans, Christine. BookScouter helps to compare book prices from 25+ online bookstores and 30+ buyback vendors with a single search.

Books by Romans, Christine

See the best price to sell, buy, or rent books by Romans, Christine. BookScouter helps to compare book prices from 25+ online bookstores and 30+ buyback vendors with a single search.

Smart Is the New Rich: If You Can't Afford It, Put It Down

How to Speak Money: The Language and Knowledge You Need Now

Smart is the New Rich: Money Guide for Millennials