Change your spending habits to achieve your personal and financial goals The hardest part of personal finance for most people is living within their means. Spreadsheets, budgets, and tables make money management seem like hard work. In The MsSpent Money Guide, readers are introduced to an innovative approach that focuses spending habits to allow for everyday costs and future expenses while finding money for things you really enjoy. MsSpent's bottom line is to help people have a more fulfilling life by helping them clarify their financial goals as well as develop systems and habits that manage their spending. We are all unique and there is no single way to manage money. The MsSpent Money Guide helps each individual discover a way that will work for them. Readers of all ages will benefit from MsSpent's message-if you are clear about your values, you will get more of the life you want with the money you have.