Spend Less Than You Make, a Common Sense Rule that America has Forgotten, According to a New Personal Finance Book

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How many people spend every raise they get? How many live at or above their means, spending more than they make? In the United States, about half of all families live at or above their means. The key to turning family finances around is living below your means. Making the change is an essential step to controlling personal finances in a tough economy, says Ted Hunter, author of Money Smart, a new book that guides the reader to financial freedom.

Ted Hunter is a successful businessman who wrote Money Smart to share his knowledge of cycles in both the real estate and financial markets and help people take control of their money and create financial freedom.

The key to turning family finances around is living below your means. Making the change is an essential step to controlling personal finances in a tough economy.

How many people spend every raise they get? How many live at or above their means, spending more than they make? In the United States, about half of all families live at or above their means. The key to turning family finances around is living below your means. Making the change is an essential step to controlling personal finances in a tough economy, says Ted Hunter, author of Money Smart, a new book that guides the reader to financial freedom.

Living below your means simply means living on less money than comes in each month and saving any extra money earned through a pay increase or bonus instead of spending it on an increased standard of living. The difference can be dramatic, especially for those currently in debt. Hunter points out that financial success is not dependent on a high income, but comes from the smart use of any income. Money Smart contains nine Money Rules and Live Below Your Means is one of them. Living below your means is a vital step towards chipping away at any debt and increasing one’s ability to save money. When this rule is incorporated into the reader’s life their financial pressures decrease, and a growing sense of accomplishment and of being in control generate positive momentum towards creating financial security. “Live below your means,” states Hunter, “Almost every financially successful person does.”

Combining Hunter’s 60 years of experience and a common sense approach, Money Smart shows readers that they are capable of managing their money better than anyone else. Presenting easy-to-use tools and a clear list of rules to follow, Money Smart teaches readers to make solid, educated decisions so they can effectively manage their money and create financial freedom.

Money Smart can be purchased online at http://www.MoneySmartOnline.com and Amazon.com.

About the Author
Ted Hunter is a successful business man who, thirty years ago, built a successful real estate brokerage with over 100 agents that went bust in the real estate crash of the late 80’s. Learning from this experience he then entered into the stockbrokerage industry, successfully helping his clients make money and advising his clients to get out of the stock market in early 2000 before the market started to dive. In the fall of 2005 he did it again, warning all who would listen of the coming crash of the real estate market. He wrote Money Smart to share his knowledge of cycles in both the real estate and financial markets and help people take control of their money and create financial freedom.
Ted is a native of New York City area and now resides in Davis, California with his wife Suchit, and their daughter Kat. Ted is also the proud father of three adult sons: John, Dave and Dan.

MEDIA CONTACT:
Email:    connie(at)georgeacommunications(dot)com
Phone: 708-715-2079
Web: http://www.MoneySmartOnline.com

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