This little book is for anyone who is struggling to make ends meet. And for the few who want to start saving again. Life is difficult out there and changing one's spending habits is a start. There are some little things you can do to help you not spend so much. Cutting out the good things in life is not easy, especially if you have kids. This book is not for the instant generation, as most new things you have to learn. And learning takes time. This book tries to shorten the learning curve, by showing you how to get up to speed on a new subject, quickly and cheaply. If you are into checking out what you can do online and getting up to speed in your chosen field, then this book is for you. The people on the planet, at the moment, are in the cusp of change and this book will help you stay ahead of the game. With the internet and the wired world, there are many new opportunities available out there in cyberspace. But you need to know what they are, and this book makes a few more opportunities available to you. All you have to do is grab them. This book is about ideas, so read through the book to find out what you could use in your situation. And keep your eyes open to new ideas. Like people who smoke and complain about the price of cigarettes. Why not grow your own tobacco? There are things you can do starting now, that could make a difference in you life rather fast. But most things take time. There is a learning curve. Even with growing vegetables, your first attempt will not be very good. But then again, vegetables you get from the supermarket are a lot better looking than what you can grow yourself. So you have to get used to a different standard of quality. There are ideas scattered throughout the book of what real people are doing now. You could call them case studies. If someone else is doing it, then you can do it too. Check out the freelancer sites, join a few and quote for some jobs, and see what happens. Right now, 2020, the world has gone mad, it has changed completely from what it was like when I was young. The government has gone tax mad and regulation mad. And to top it off we have the added expense of the internet. Electricity prices keep going up, and rents are definitely not cheap anymore. And if you have made the biggest investment of your life and actually brought your house, you can guarantee land taxes will go up and keep going up. And while keeping up with world events, the price of oil has increased so the price of gas at the pump has also increased. You would think the government would use some tax relief on gas but that would give them less money to waste. We are getting screwed on all sides. What about milk - the bottom has fallen out of the world price, but on the supermarket shelf the price hasn't moved. All expenses have gone up, but wages and if you are on the pension, nothing has moved up. Things are not good on the home front. Saving money is something your parents used to do, and something you'd love to do, but there is nothing left at the end of the week. Money just slips through your fingers. Even now if you have a job, you still need to have a plan to save money.If you are living pay-check to pay-check, you cannot afford any hiccups. Even the price of food has gone through the roof. Just to survive you need to keep track of how much money slips through your fingers. The worst expense is the rent, and that comes out every week. That is first expense and there is not much left after that. Now, how do you pay cheap rent?