Screen_Shot_2015-01-06_at_4.54.26_PM_t670In 2002 Kelly Sangree got fired. She was eight months pregnant, her (now-ex) husband earned only a quarter of what she did – and they’d already been having trouble paying the bills.

The couple struggled financially and ultimately broke up. Due to health issues (hers and a daughter’s) Sangree moved in with her parents and scrambled to contribute to the household while paying off debt accumulated during her marriage.

Sangree wrote a book about her experiences. If you’re facing reduced income for any reason – job loss, rapid debt repayment, an entrepreneurial dream – then “Hard Core Poor: A Book On Serious Thrift” can help.


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thWant to get a glimpse of what young people are facing? “The Millennial Next Door Revealed: How to Be Financially Successful in Your 20s,” a free e-book from MoneyTips.com, is available starting today. (Click on the link to get your free copy.)

Author Katie Holmes notes that millennials (those born between 1981 and 1994) face a faltering economy and high student debt, along with a lot of withering generalizations (entitled, narcissistic, lazy). Mostly I agree with her; in fact, I believe that millennials have gotten a raw deal, economically speaking.

Although I have an issue with the ways its conclusions were drawn (more on that in a minute), I think “The Millennial Next Door” offers some valuable info on the mindsets of this cohort. And I’d say that even if I weren’t one of a couple of dozen personal finance writers contributing money tips to the work.


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thNot everyone is ready for a book about personal finance, even if it’s desperately needed. Some potential recipients believe they’ll figure things out for themselves. Some don’t believe that the economy will ever really work for folks like them. Some know they’re taking the last train to Brokesville but are frankly enjoying the trip too much to consider getting off at the next station.

That doesn’t mean you can’t give the gift of personal finance. It just means you need to be thoughtful about how you do it, including picking a time when the person is in a receptive frame of mind.

Which might not be on Dec. 25. But it also might be, which is why I’m once again offering a list of books to consider gifting.


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ecA time-honored frugal hack is to negotiate — salary, real estate, holiday arrangements (your parents’ house? his parents’ house?), the price of that beater you want to buy from Craigslist.

Trouble is, many people don’t really know how to negotiate — they’ve never seen it done, they lack self-confidence or face a cultural barrier with regard to haggling.

This week’s giveaway can help.

The Practical Negotiator: How to Argue Your Point, Plead Your Case and Prevail in Any Situation” was written by Steven P. Cohen, president of The Negotiation Skills Company Inc.

Although some people associate the word with backroom politics or high-stakes business, the author says that negotiation “takes place in the daily life of regular people who are trying to reach collaborative agreement in the family unit, on the job or as a consumer.”


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Wthant to start a business? Already own one, but want to take it further? Susan Baroncini-Moe has written a book designed to help you achieve your goals without having to become someone you’re not.

The title says it all: “Business in Blue Jeans: How to Have A Successful Business on Your Own Terms, in Your Own Style.“After all, not everybody wants to wear a power suit.

Although the author acknowledges that “circumstance, life path or lack of skill” can make entrepreneurship harder for some than for others, she’s put together as many resources as possible to help just about anybody achieve just about anything.

“Small business is, to me, the essence of the American Dream. Entrepreneurship is the backbone of our economy, and it offers virtually anyone unlimited opportunity, income and freedom. But like anything worth pursuing, it requires effort,” she writes.


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