Syrop - Effortless Savings: A Money Management Guide to Saving Without Sacrifice

Praise for Effortless Savings

Effortless Savings is a practical manual on frugality and building savings. Richards ideas are easy to read and even easier to apply. This book isnt about complex formulas and calculations; its about evaluating your time and using it to maximize your savings.

Steve & Annette Economides

New York Times best-selling authors

Americas Cheapest Family Gets You Right on the Money

Effortless Savings is also effortless reading, a light and breezy guidebook that can yield weighty results. Richard Syrops tips often go beyond the usual which led me to highlighting ideas on nearly every page. Short but sweet, Effortless Savings will galvanize you to make numerous and painless spending cuts and live more abundantly.

Lorilee Craker

New York Times best-selling author

Money Secrets of the Amish

Effortless Savings is full of tips that everyday people with regular expenses can begin using right away. This book is not for the black belt frugalistas who can squeeze each penny until it screams for mercy, choosing to live without internet or cell phones....this book is for the person with regular family-style expenses who wants to cut their telecom bills in half.

Deborah Taylor-Hough

Author of Frugal Living for Dummies

TheSimpleMom.com

Chock full of money-saving ideas, Effortless Savings pays for itself before you finish the first chapter. A great guide for any cost-conscious consumer. Syrops meticulously researched book makes saving easy.

Jon Yates

Author of Whats Your Problem?

Effortless Savings is full of practical strategies that can help anyone save big money on everyday expenses. Richard Syrop offers solid advice and a fresh voice on the simple truth that taking control of your spending is the best way to give yourself a raise.

Mary Hunt

Founder of Debt-Proof Living and best-selling author

The Smart Womans Guide to Planning for Retirement

Richard Syrops book is absolutely the real thing! Its practical, simple, easy to read, and it definitely delivers. Open this book to any page and the advice given will be sound, easily-applied and effortlessly life-changing. Buy this book, and then get out your yellow marker!

JoAnneh Nagler

Author of The Debt-Free Spending Plan

Effortless Savings is the economic Swiss Army knife youve been looking for. This easy to read savings manifesto will help you reclaim the power in your relationships with service providers, painlessly change your habits, and put a few more bills back in your wallet. An authentic life-hackers guide to the savings universe.

Christopher Greenslate

Co-author of On a Dollar a Day

Effortless Savings is loaded with practical tips for saving money on all of your daily expenses. If you diligently follow Syrops suggestions, you will save money.

J.D. Roth

Founder of the award-winning website GetRichSlowly.org

What an informative book! As a personal finance author, I pride myself in saving money and being as frugal as possible. Effortless Savings helps me take being able to save money up a few notches. Richard shows us how to save on almost anything we can think of from car insurance to airline tickets to even the clothes we wear. Th is book is a must-read for anyone looking to get the most out of their money.

Danny Kofke

Author of A Simple Book of Financial Wisdom

Whether youre trying to get out of debt or save for the future, every dollar counts. In Effortless Savings, Richard Syrop helps you find those dollars which can add up to big savings.

Gerri Detweiler

Author and host of Talk Credit Radio

The Ultimate Credit Handbook

Effortless Savings is a great one-stop shop resource for anyone serious about stretching their money.

Carrie Rocha

Author of Pocket Your Dollars

PocketYourDollars.com

Without forcing the reader to become obsessive over savings, Richard provides an easy-to-follow formula for reducing expenses in dozens of areas of everyday life. You wont have to follow every suggestion, but by choosing just a few, you will be on your way to effortlessly saving. Before you know it, your days of paycheck-to-paycheck living will be behind you.

Michael B. Rubin

Author of Beyond Paycheck to Paycheck

Effortless indeed; dont miss this gem! Chock full of insider information Richard provides practical tips that work for your life. Seriously I know lots of ways to save money but this book even had me saying Why didnt I think of that? Like me, youll find yourself flagging ideas on almost every page. Purchase this book today and start saving money tomorrow!

Jamie Novak

Author of Stop Throwing Money Away

As a naturally frugal person, Ive been collecting money-saving ideas for years. But a couple hours with Richard Syrops book Effortless Savings gave me at least a dozen more doable ways to save, in areas ranging from auto insurance to home heating to eye care to travel and entertainment. Implementing even a couple ideas in this book will quickly recoup the cost of the book, but my guess is that most readers will find many new tricks to keep hard-earned bucks in their pockets.

Mary Ostyn

Author of Family Feasts for $75 a Week

Owlhaven.net

Effortless Savings offers a great checklist of money saving tips for anyone who wants to cut some fat from their budget.

David Ning

Founder of MoneyNing.com

Unless youre a monk, youve probably never been excited by the idea of sacrifice. We want to save money and be kind to the planet, but only if its not too hard and doesnt require us to give up the experiences that make life fun. Full of clever yet commonsense tips, Effortless Savings is a comprehensive guide to accessing the things we love, without wasting time or money.

Beth Buczynski

Author of Sharing Is Good

Copyright 2014 Richard Syrop. All rights reserved. No part of this book may be reproduced, scanned, or distributed in any printed or electronic form without the written permission of the publisher except in the case of brief quotations in articles and reviews.

While every precaution has been taken in preparing this book, the publisher and author assume no responsibility for errors and omissions, or for damages resulting from the use of the information contained herein. Technology and services are constantly changing and therefore might contain errors and/or information that, while accurate when it was written, may be no longer accurate by the time you read it. Your use of or reliance on the information in this book is at your own risk and the author and White Willow Press are not liable or responsible for any resulting damage or expense.

Published by:

White Willow Press

Post Office Box 45293

Seattle, WA 98145

www.whitewillowpress.com

ISBN# 9780989015608

e-ISBN# 9780989015615

LCCN# 2013943784

Publishers Cataloging-in-Publication

(Provided by Quality Books, Inc.)

Syrop, Richard.

Effortless savings : a step-by-step guidebook to saving money without sacrifice / Richard Syrop.

pages cm

Includes index.

LCCN 2013943784

ISBN 9780989015608

ISBN 9780989015615

1. Finance, Personal. 2. Saving and investment.

I. Title.

HG179.S97 2013 332.024

QBI13-600127

The goal of Effortless Savings is to help you save money, lots of money, without sacrificing any of the things you enjoy. Although accomplishing this may sound unrealistic, its actually quite easy. In the following chapters, presented in a simple, step-by-step format, you will discover hundreds of painless, practical strategies that can save you thousands of dollars a year. If you implement just a few of them, not only will you reduce your expenses but you will probably find yourself buying and doing several things you previously thought you couldnt afford.