Over the years, he has seen and personally tested just about every saving method imaginable. Dissatisfied with conventional ways to reduce expenditures, Richard developed a unique approach to savings which does not require consumers to give up their favorite products, entertainment or travel. He has taught these saving methods in seminars throughout the country.
Richard is stopping by the blog today to share some of the ideas from his book.
Deborah: Hi Richard! So glad you could join us today. So, what prompted you to write this book?
Richard: Great to be here, Deborah. It all started about three years ago. After checking out a number of money-saving websites and books, I quickly realized that almost all of the advice available for consumers involved personal sacrifice and compromising their lifestyle in one form or fashion. It was around that time that the idea for effortless savings was born. I really felt there was a strong need to put together a simple, practical manual about how to save money without sacrifice.
Deborah: That's great. Would you take a moment to give us a brief description of what your book is about?
Richard: Simply put, it is about saving money without giving up any of the things you enjoy. In the book, I attempted to cover all the major expenses that affect most American consumers. These include:
- Cell phone, Internet and Pay-TV rates
- Insurance and home energy bills
- Groceries and health and beauty products
- Clothing, home furnishings and electronics
- Automotive expenses
- Restaurants and entertainment
- Vacation and travel expenses
- Credit cards and banking, and much more!
Deborah: Do you think that women entrepreneurs can benefit from the information you're sharing?
Richard: Absolutely! Any entrepreneurs can use extra money, and this book should help them find thousands of dollars that they can save each year.
Deborah: Your introduction is called "A New Approach to Savings." What does that mean?
Richard: Most saving strategies are centered around living on a tight budget, clipping coupons, shopping around sales flyers, limiting meals out and other painful adjustments. This book provides "A New Approach to Savings" because it does not suggest any of those things, yet can still save consumers a small fortune.
Deborah: Do you have any advice for the entrepreneur or freelancer who doesn't have a regular paycheck coming in? Are there any strategies you can suggest?
Richard: My first suggestion would be to try to find ways to reduce your monthly bills, since this is the gift that keeps on giving throughout the year. A few of the easy ways to do this include:
- Getting cell phone service from an MVNO (mobile virtual network operator) that uses the same network as your current provider, but has cheaper rates and does not require a service contract
- Utilizing simple steps to renegotiate your Internet and Pay-TV rates
- Raising your insurance deductibles and shopping around for more reasonable coverage
- Using proven strategies to reduce home energy bills that don't involve sacrificing your personal comfort
Deborah: You've shared so much terrific advice here. What inspires you to do the work you do?
Richard: It is a priceless feeling to be able to help someone save money, because this is one thing that truly will make a difference in their quality of life, and the quality of life for their families. There is no greater reward than this.
Deborah: Please share your website and social media URLs.
Richard: Sure! Here they are:
Deborah: Thanks so much for stopping by, Richard. I really love your book. Where can the readers find it so they can get their own copy?
Richard: You're welcome! Your readers can find my book on Amazon.com, BarnesandNoble.com and in independent bookstores throughout the country.