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Greutman - The recovering spender: how to live a happy, fulfilled, debt-free life

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After learning how to curb her spending habits, Lauren Greutman shares her hard-earned knowledge on how to get out of debt and live without the financial pressures that many people face today. Millions of Americans today are near financial disaster-spending more money than they are bringing in, and losing control of their money. Lauren Greutman knows how that feels. For years, she struggled with too many bills to pay and not enough money to pay them. When Lauren found herself drowning in debt, she finally faced her extreme spending habits and took action. In THE RECOVERING SPENDER, Lauren shares her story and offers advice that is based on the many strategies she developed to change her own life and bring her family budget back to black. Lauren shows her readers, step-by-step, how to get rid of bad money habits, pay down debt, and stay within a budget. Some of the action chapters in the book are: -Take an Inventory of Your Spending -Declutter Your Finances -Do an Expense Audit -Curb Your Spending and Define Your Values Lauren exchanged the overrated, stressed-out American dream for a new one-a happier life filled with family, friends, and financial freedom-and now you can do the same!

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Hachette Book Group supports the right to free expression and the value of copyright. The purpose of copyright is to encourage writers and artists to produce the creative works that enrich our culture.

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Copyright 2016 by Lauren Greutman

Cover design by JuLee Brand

Cover photography by Cindy Bell Photography

Cover copyright 2016 by Hachette Book Group, Inc.

Hachette Book Group supports the right to free expression and the value of copyright. The purpose of copyright is to encourage writers and artists to produce the creative works that enrich our culture.

The scanning, uploading, and distribution of this book without permission is a theft of the authors intellectual property. If you would like permission to use material from the book (other than for review purposes), please contact permissions@hbgusa.com. Thank you for your support of the authors rights.

Center Street

Hachette Book Group

1290 Avenue of the Americas New York, NY 10104

centerstreet.com

twitter.com/centerstreet

First Edition: September 2016

Center Street is a division of Hachette Book Group, Inc.

The Center Street name and logo are trademarks of Hachette Book Group, Inc.

The publisher is not responsible for websites (or their content) that are not owned by the publisher.

Library of Congress Control Number: 2016941408

ISBNs: 978-1-4555-9580-8 (trade paperback), 978-1-4555-9579-2 (ebook)

E3-20160811-JV-PC

Lauren brings an incredible amount of energy and fun to something other people consider a chore. She makes the frugal life an entertaining read with a refreshing amount of honesty and candor about her own financial challenges and solutions. Anyone looking to better support a family, pay off debt, or cut spending would do well to take some tips from Lauren.

Libby Kane, personal-finance editor, Business Insider

Lauren Greutman is one of the most enterprising and self-motivated educators on the web! She speaks to the everyday consumer in a way that does not make them feel guilty or overwhelmed about running a household. We need more people like this in big finance!

Natali Morris, CNBC

Lauren Greutman is my favorite source of information on how to save money and make better spending choices when it comes to daily expenses. Somehow she manages to make budgeting an enjoyable taskno easy feat. Her book is the perfect guide for anyone looking to take back control over their cash flow.

Kimberly Palmer, author of Smart Mom, Rich Mom

As a recovering overspender, I know that budgeting experts can be intimidating. Strict budgeting regimens can exacerbate the problem of why you are overspending in the first place and keep you from enjoying the money you do have. Lauren gets that! She wants us all to spend money wisely and get the most value and enjoyment out of every cent. Her method of budgeting is fun, approachable, and winnable.

Clayton Morris, cohost, FOX & Friends Weekend on FOX News Channel

There are countless personal finance experts out there, but Laurens honesty, smarts, and genuine commitment to helping other families blast through this overcrowded space. Its no secret to her businesss quick rise: its Lauren.

Emma Johnson, Forbes columnist, creator of WealthySingleMommy.com

The Recovering Spender is a compelling and definitive resource for those looking to reclaim their financial lives. Lauren Greutman has given us a meaningful and important book that demystifies complex financial ideas into understandable nuggets. These pages sparkle with Laurens humor and passion.

Kabir Sehgal, New York Times bestselling author of Coined: The Rich Life of Money and How Its History Has Shaped Us

Laurens story is one that needs to be shared. Her ability to overcome a spending addiction and dig her family out of debt is truly inspiring and should serve as a motivational guide to others who are struggling with their own money issues.

Cameron Huddleston, award-winning personal-finance journalist at Kiplinger

Lauren inspires families across the country to live life well without putting their finances at risk. Her writing is fun and engaging and the fact that she teaches through her own life experiences makes it all that much easier to relate to her advice.

Mandi Woodruff, personal-finance correspondent and executive editor at MagnifyMoney

Time to change your spending ways? Get ready! Lauren is your personal, go-to guide. She knows the steps it will take to break your bad habits and achieve real financial success.

Philip Taylor, founder and CEO, FinCon

Lauren Greutman is an award-winning personal-finance writer and has been featured on dozens of top financial websites. She makes boring topics like budgeting and frugal living easy to understand and fun. Im grateful for her passion and financial-literacy work.

Michael Delgado, Experian

Lauren Greutman is a guru whos been there and lived to tell about it. No sound bites, no clichs, just helpful, digestible advice

Joe Saul-Sehy, Stacking Benjamins podcast

Laurens message is as infectious as it is inspiring. Debt is overwhelming, but Lauren truly knows how to connect with her readers in a way that will inspire success through simple step-by-step actions. Getting out of debt is possible for anyone, and Lauren has been teaching audiences exactly how to do it by employing real-world smart-spending strategies. As a fellow consumer expert, Im in awe of the enormous audiences Lauren has been able to reach with her message.

Josh Elledge, TV consumer-savings expert and syndicated columnist at SavingsAngel.com

With searing honesty, Lauren Greutman admitted that she and her husband sprinted after the illusive American dream and fell flat. She transformed herself into a renowned expert on frugal living who shares her knowledge and tips without scolding you.

Valerie Rind, award-winning author of Gold Diggers and Deadbeat Dads: True Stories of Friends, Family, and Financial Ruin

Laurens personal experience with getting out of debt is truly inspiring. Whats even more inspiring, though, is her willingness and ability to take what shes learned and to share it with others in the hope of helping them lead better, more financially secure lives.

Sara Korab, Savings.com

Lauren is a debt and frugal-living expert who makes personal finance engaging, exciting, and comprehensible to the masses. She is passionate about helping people get their finances in order, and her credibility is unquestioned given her firsthand, real-life money experiences.

Andrew Schrage, Money Crashers

Lauren Greutman has empowered millions of people to lead the best life possible on any budget. She is an incredibly savvy personal-finance expert with the refreshing ability to break down complex topics and make them accessible and fun. Her real-life experience of getting out of debt is inspirational and provides a road map for others that want to take control of their finances.

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