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MY FINANCIAL E-BOOKS

financial-ebks-copy

This website page is about the financial-ebooks I have written. These ebooks are based on facts. This information has been gathered from both experience and in-depth research. To date, my work includes a three financial-ebooks series and one additional ebook. Each is available on Amazon.com.

THE FORMER MIDDLE CLASS EBOOK SERIES

This is the story of how we went from being Middle Class to ‘One Day from Homeless’. After a shocking introduction of how this happened, the publication becomes a guide filled with financial survival strategies. These are tips on how to survive as a former middle-class person.

The goal is to offer ideas to make life for The Former Middle Class as comfortable, manageable and affordable as possible. In other words, it is a general survival book. It is not until the second book of this financial-ebooks, Former Middle-Class series that primarily one tool, credit cards becomes the topic.

USING CREDIT CARDS for Survival & Profit

This is the second in the series, The Former Middle Class. It is about credit cards and how helpful they can be when used responsibly.

In addition, it is an in-depth study of credit, FICO credit scores, credit reports, and other important information about credit. There are some amazingly valuable tips available in this ebook.

This is the third and final ebook in the series, The Former Middle Class. It goes further into the amazing benefits one can gain from the responsible use of credit cards.

There are also presentations on gathering and gaining other types of green. This ebook introduces indoor farming, a method of growing one’s own food indoors. There are clearly other ways to survive besides money. Find out more about them in this ebook.

OTHER FINANCIAL WRITING

A CREDIT CARD RATING SYSTEM For Cash Reward Credit Cards

This ebook is filled with novel suggestions. It is based on a system I developed that works very well for me. In contrast, my financial guru, Jim Wang of Wallet Hacks suggests very different solutions to credit card quality and quantity.

Therefore what is the solution? First, read this ebook. Then read what Jim has to say in How Many Credit Cards Is Too Many Credit Cards? Finally, study what other experts think. In conclusion, apply the system that works best for you.

FOOD & HEALING JOURNEY, RAISING SOCIAL AWARENESS, The ALISON D. GILBERT Blog, THE ECONOMY & ENVIRONMENT

Welcome Back to Basics: a simple, healthy, green, natural, relaxed and thrifty life

April 14, 2014 1 Comment

Back to Basics has become a necessity for many of us. For some it may be a trend, a fad, even an adventure. It is all of those. But at the same time, it is an imperative for those of us who:
• Need to simplify our lives
• Become healthy
• Live a green life
• Live naturally
• Relax
• Practice thriftiness

What started out as a project called, The Middle Class Poor and Resources for the Middle Class Poor, is evolving into a whole lifestyle, Back to Basics.

Let’s examine each of the above points to get a better understanding of the Back to Basics Movement.
• Need to simplify our lives
One need look no further than the skyline to see the proliferation of self-storage facilities. We have so much stuff. How much stuff do we need? How many cars? televisions? Internet devices?
How many of us have gone into debt, maxing our credit cards, to have the things that we keep consuming to fill the hole inside us?

• Become healthy
We are a nation of sick people. We have been led to believe that disease is inevitable. We are committed to a deteriorating life-style as we age until the point that we die an unnatural death.
Disease is not our birthright. Wellness is.

• Live a green life
We suffer from allergies. We can’t breathe. We get headaches. These have become the norm. They are not normal. Due to all the chemicals and toxins in the air and in the food we eat, we are being poisoned. Our very immune systems are being compromised.

• Live naturally
How great it would be to live free of allergies, breathing difficulties, headaches, other symptoms and illnesses. Imagine that as well as not having to take a cabinet full of medicines for these ailments. Living more naturally can go a long way in helping to bring this about.

• Relax
Our lives are very stressful. We work longer and harder than ever before. We have tremendous financial pressures. We have lost the ability to just be. We are always having to do something.

• Practice thriftiness
Increasing numbers of people are having to be very thrifty. In addition, the number of people who need government assistance are employed. But the money earned is not enough to live. We need to be thrifty, very thrifty.

The intention of going Back to Basics is to recapture something good that we have lost while seeking more. We need to surrender the glut, greed and self-destruction. It requires letting go of the baggage that weighs us down by literally and figuratively. We live lives based on immediate gratification and ‘gimme-gimme-gimme’. The idea is to regain a good life, a really good life. Slow down. Get back to basics and let’s see what happens. The results may be very pleasantly surprising.

Savvy Savings Shopping, The ALISON D. GILBERT Blog, THE ECONOMY & ENVIRONMENT

Savvy Shopping Savings

April 16, 2018 No Comments

INTRODUCTION: OUR WEEKLY SAVVY SHOPPING SAVINGS ROUTINE

Being seniors enhances our opportunities for savvy shopping savings. As a senior, if you like travelling locally by car to go shopping, these suggestions should be appealing. The following examples are where we shop. But these days, I suspect that many suburban areas would have these or similar ways to take advantage of saving shopping savings.

savvy savings shopper — Long Island Cares, Inc. *The Harry Chapin Food Bank* is a major supplier of free food to those in need on Long Island

Tuesday

This is the Long Island Cares, Inc. ‘Veterans only’ food pantry day. We start our food shopping here in Freeport, LI then head over to Gala Fresh Farms where it is 10% off for seniors.

savvy shopper savings — Our local Gala Fresh Farms is in Baldwin, Long Island

Wednesday

Compare is another terrific supermarket that has a lot of Latino foods to cater to the demographics of the immediate neighborhood. The prices are good and I love the variety of foods. Seniors get 10% off today.

savvy shopping savings — Our local Compare Foods Direct is in Freeport, Long Island

Thursday

Target offers 5% off everyday with their credit or debit card. Since we are in the neighborhood on Thursdays, this is the day to go here. Staples is also right nearby so this is a good day to go here too. We get 5% off with their credit card everyday.

Everyday

There are many other local savvy shopping savings opportunities everyday. Besides Target, here are a few of them:
• CVS offers 30 to 40% off on a regular basis. This is one of the few stores that I pay attention to coupons. It really pays off. They email me and send me postcards to notify me of sales. It makes it very easy to shop and save here.
• Staples offers us 5% off with every purchase made with our Staples credit card.
• Wild by Nature offers 10% off to seniors. If I shop here often enough, I get another quarterly coupon.
• Michaels Stores, Art Supplies, Crafts and Framing has coupons every week. We actually get notification of them by email. Even though this store is not on our regular shopping route, my husband likes to take a short trip to Michaels for his week art supply needs.

We will either include these everyday savings stores into our shopping routine near their location(s) or make a fun trip on another day or the weekend. In the case of CVS, there are five stores in the areas where we do our other shopping. Therefore, we have the luxury of going to any one of them no matter where else we need to shop.

CONCLUSION: CONVENIENCE BUT CONFLICT AS WELL

I like to shop local and am a supporter of small local shops. But our financial circumstances require that we save money and shop frugally. It is very difficult to find a balance between the two systems, supporting small local businesses and shopping where we can get savvy shopping savings.

With the exception of Long Island Cares, Inc. which is a food bank that supports us, it seems that our finances dictate our choices. But they do not dictate our values. In addition, the direction that business has gone in makes it difficult to shop primarily at small local stores. So it would seem that practicing savvy shopper savings is in direct conflict with shopping small local stores. Or is it? Has anyone found their situation to be otherwise? Here’s what’s been in the media about this issue.