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Download PDF CLARK’S BIG BOOK OF BARGAINS by CLARK HOWARD

Posted by Harapan Posted on 22.07 with No comments
Sinopsis

This book is about spending money, something we do every day, but sometimes without a lot of thought. We spend our money in so many ways, large and small, that sometimes we wonder where our paycheck went. I’d like every dollar you earn to buy more and last longer.
One of the reasons I wrote Clark’s Big Book of Bargains is to show you how to treasure hunt, how to have fun—as I do—finding great deals. For example, I’ll show you how to buy a box of disposable contact lenses for $13.95, a bouquet of roses on Valentine’s Day for $19, and a great bottle of wine for less than $8.
I also want to share my philosophy of spending and give you a new way to think about the choices you make each time you open your wallet. Instead of burning your paycheck, nurse it, so you can get more of the things you want in life.
Making better spending decisions lets you take control of your life and gain more financial security. Every day on my radio show, I talk to listeners around the country whose spending, and the resulting debt, is causing tremendous stress in their lives. Is it worth having the possessions you have, if underneath it all, you’re trying to figure out how to pay the bills? I want to help you turn down the pressure, so you don’t have to worry when you open the mailbox about the bills waiting for you.
The average American now owes more money than they earn in a year, according to data compiled by the Wall Street Journal. Never in history has that happened, and it’s deeply disturbing. Just ten years ago, we carried far less debt than we do today. And this isn’t just a problem for lower-income or middle-class people. High-income families, those in the top fifth of U.S. households, are carrying debt averaging 20 percent more than their disposable income, according to the Wall Street Journal. If you get anything out of this book, I hope it will be the idea that this is a choice people have made, not a necessity.
The answer is simple. It’s not what you earn that matters—it’s what you spend. If you spend less than you earn, you can take the dollars you don’t consume, and put them aside to build long-term financial security for you, your children, their education, and your retirement.
This book is about choices you can make that will allow you to live a debt-free lifestyle, or at the very least, a lifestyle that puts you in control of your finances.
Some of the things you’ll read in here might sound a little strange, like feeding your baby generic formula, or buying used furniture. I’m certainly not suggesting you do everything you read here. This isn’t like a recipe, where you have to follow the steps carefully, and only then will the dish taste good. Look for ideas that work for you, and add your own. You may have ideas that are better than what I suggest. The goal is to create a new way of thinking about spending, before you spend. Perhaps you’ve always gone to a major oil company station to buy gasoline, you have that company’s credit card, and you go there without thinking. Instead, think about going to a discount gas station. Just making that one change will put a few extra dollars in your pocket every week. Or let’s say you normally buy Tide detergent at the supermarket. What if instead you bought Tide at a discount store, or if you bought the store-brand detergent and tried it? Maybe you’ll like it and use it again and again.



Content

  1. CHAPTER 1 - FOOD 
  2. SUPERMARKETS
  3. RESTAURANTS
  4. FAST FOOD
  5. LEARNING TO COOK
  6. WINE
  7. BOTTLED WATER
  8. CHAPTER 2 - FAMILY + CHILDREN
  9. BUYING FOR YOUR FIRST CHILD
  10. RAISING CLARK-SMART KIDS
  11. MUSIC AND DANCE LESSONS
  12. THE DENTIST
  13. PRIVATE SCHOOLS
  14. PETS
  15. CHAPTER 3 - NECESSITIES
  16. CLOTHING
  17. SHOES
  18. HAIRCUTS
  19. COSMETICS
  20. EYEGLASSES AND CONTACT LENSES
  21. PRESCRIPTION DRUGS
  22. THE EMERGENCY ROOM
  23. CHAPTER 4 - LEISURE
  24. MOVIES
  25. MUSIC
  26. BOOKS
  27. VIDEO GAMES
  28. THEATER AND SPORTS TICKETS
  29. VACATIONS
  30. CHAPTER 5 - ELECTRONICS + APPLIANCES
  31. CONSUMER ELECTRONICS
  32. LARGE APPLIANCES
  33. CHAPTER 6 - EVENTS
  34. PARTIES
  35. WEDDINGS
  36. CHRISTMAS SHOPPING
  37. VALENTINE’S DAY
  38. FUNERALS
  39. CHAPTER 7 - HOME IMPROVEMENT
  40. PAINTING
  41. CARPET AND FLOORING
  42. SHEETS AND TOWELS
  43. HIGH-EFFICIENCY LIGHTBULBS
  44. SMOKE DETECTORS
  45. FURNITURE
  46. HOME SERVICES
  47. CHAPTER 8 - CARS
  48. TIRES
  49. DETAILING
  50. OIL CHANGES
  51. REPAIRS
  52. TOWING
  53. GASOLINE




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