Yes. So please,  get better at defending yourself economically by keeping as much money as you can.

Three ways to do this are to STOP INCURRING DEBT, STOP OVERSPENDING, and LEARNING HOW TO SAVE YOUR MONEY IN CLEVER AND INVENTIVE WAYS.

Read Level Ten Books to get amazing ideas gleaned from over 500 sources.


  • Eight Out of Ten People Can’t Pay Their Bills

    Eight Out of Ten People Can’t Pay Their Bills

    At the time of writing over eighty per cent of Americans that are living paycheck to paycheck, are unable to meet modest financial obligations. The majority of people aren’t making enough money to survive.

  • Finding Ways to Save Money Requires a Little Imagination

    Finding Ways to Save Money Requires a Little Imagination

    There is no greater pressure today for people to tighten their belts, save money and find ways to economize with what they’ve got.  For many people that’s easier said than done.

  • How Financial Disorganization Can Be Ruinous

    How Financial Disorganization Can Be Ruinous

    Financial disorganization is a more widespread problem than people think.  As measured by the volume of late fees paid to merchants, or the volume of provisioned payday loans, it appears that most of the world’s population is profoundly disorganized.

  • Mental Math Will Thicken Your Financial Fog

    Mental Math Will Thicken Your Financial Fog

    I spent four years with a global debt recovery group learning how to get out of debt and keeping it that way. Having learned many things during my time with them, including what worked and what didn’t in debt recovery.

  • Taking Care of your Needs As If You Are a Parent to Yourself

    Taking Care of your Needs As If You Are a Parent to Yourself

    We’re all social creatures with emotions. We need emotions to signal our social needs with other people. But don’t let emotions drive your judgements involving money.

  • The Internet is Not Your Friend

    The Internet is Not Your Friend

    Stopping cues don’t exist on the internet. This means you must create your own, why? The internet is not your friend.

  • The Statistical Madness of Lottery Tickets

    The Statistical Madness of Lottery Tickets

    There is no greater temptation for people who are running low on income than to think about lottery tickets. Buying lottery tickets on a ‘hope and a prayer’ is one way to get further into debt.

  • The Virtual Strangers Who Tell You What to Buy

    The Virtual Strangers Who Tell You What to Buy

    On the internet, we’re presented with hundreds of choices, often small variations on the same product. This is digital competition for the product producer, and a form of decision sludge for us.

Our Author’s Books


The Art and Science of Spending Less

Written by Matt Drucker D. Psych.


280 Clever Ways to Save your Money

Written by S.M. Mitchell


Debt Slavery

Written by a Reformed Debtor