Budgettering og økonomistyring

Increasing profits through cost reduction must be based on the concept of an organized, planned program. Unless adequate records are maintained through a proper accounting system, there can be no basis for ascertaining and analyzing costs.Cost reduction is not simply attempting to slash any and all expenses unmethodically. The owner-manager must understand the nature of expenses and how expenses inter-relate with sales, inventories, cost of goods sold, gross profits, and net profits.My name is Meir Liraz and I'm the author of this book. According to Dun & Bradstreet, 90% of all business failures analyzed can be traced to poor management. This is backed up by my own experience. In my 31 years as a business coach and consultant to businesses, I've seen practically dozens of business owners fail and go under -- not because they weren't talented or smart enough -- but because they were trying to re-invent the wheel rather than rely on proven, tested methods that work. And that is where this book can help, it will teach you how to avoid the common traps and mistakes and do everything right the first time.Table of Contents: 1. Introduction2. Paying The Right Price3. Analyzing Your Expenses4. Break-Even Analysis5. Locating Reducible Expenses6. Taking Action7. Introduction to Financial Management

are you tired of bad credit would you like to improve your credit gain financial freedom stop debt collectors and live comfortable if so keep reading?People who say credit repair doesn't work are the people who are going about it the wrong way, the amateur's way. If you want to achieve maximum success in getting mistakes of the past deleted and restoring your good name so that you can qualify for the best loans at the lowest rates, then you need to follow the same steps taken by attorneys and certified credit consultants."How do they do that?" people ask. This book reveals the answers, the details, and the steps you can take to repair your own credit in a manner that is legal and effective.Unless you just won the lottery and plan to pay cash for everything for the rest of your life, you need excellent credit and a high FICO score to get respect and qualify for the best financing, credit cards, and insurance rates.in this series you will you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that'll ruin your financial plans if you let them!)Find out the most important things that you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners.

Your Guide To Financial Freedom: How to Stop Living From Paycheck to PaycheckWe all work ourselves silly, doing everything in our power to earn a living. We do all that in the hope that we will somehow create a strong financial base that will see us becoming financially free where we can start living life on our terms. Unfortunately, this is just but a distant dream for many of us. In fact, living from paycheck to paycheck is the norm for a huge percentage of people.It sucks not to be able to have any money left for taking care of emergencies, saving, investing and lots of other things that require proper financial planning to pull them off like having enough money put down for our mortgage, a vacation etc.And the sad part is that while we know that this is the wrong path to follow, we feel somewhat trapped because even when we are so psyched up to take charge of our financial life, we just find ourselves going back to the financial life we are trying to run away from. The situation seems helpless especially when bills seem to pile up uncontrollably to a point where the paycheck is just not enough month in month out.What then can you do? Are you tired of living paycheck to paycheck and being literally a sickness/job loss or tragedy away from being homeless? Are you scared that you are not saving enough, you are increasingly accumulating consumer debt, your credit score is nose-diving and can't seem to find a way out of the cycle of living paycheck to paycheck?If you are and want a way out, this book is for you. In this book, you will: Build your understanding of the life of living paycheck to paycheckLearn how to make your paycheck-to-paycheck way of life to take a U-turnLearn how to automate your savings and un-automate your spendingLearn how to start incorporating cash spending into your lifeLearn how to move past the beginner level and plant your financial feet on firm ground by creating a budget and calculating your monthly cash flowLearn how to reduce the waste in your budgetLearn how to reduce your overall spendingLearn how to pay off your debtsLearn different strategies you can use to earn more money and get closer to financial freedomAnd much, much more!If you are excited about learning how to take charge of your finances, stop living paycheck to paycheck and attain financial freedom, download this book now. You will be glad you did.

An inveterate spender, Anna Newell Jones was desperate to end the cycle of overspending, debt, and shame. On a whim, Anna decided to go on a Spending Fast?an idea she'd heard in passing but knew little about. Creating her own method to pay down her debt, she learned what worked and what didn't and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in a mere fifteen months?while making only $33,000 a year! Anna's journey has inspired people and shown them that they too can change the way they deal with their own money woes. The Spender's Guide to Debt-Free Living takes readers through a detailed step-by-step plan for their own Spending Fasts, including:Creating a personalized Get Out of Debt Pledge. • Mastering Needs-Only spending. Finding additional income sources and generating side gigs. Learning techniques to handle difficult categories such as clothes, groceries, and social situations. Dealing with slip-ups and recommitting to debt reduction. Reintegrating spending into your life once you're out of debt?so that you stay out of debt.Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender's Guide to Debt-Free Living proves that you don't have to win the lottery or land a high-paying new job to change your life.

The award-winning, easy-to-read guide to help you get out of debt, rebuild your credit, and fulfill your financial dreamsWhether you're just starting out or need a fresh start, Real Money Answers for Every Woman is the money management guide that will help you gain control of your financial future. Written in an accessible Q&A format, it offers relatable and easy-to-understand advice on everything from credit card management, home ownership, and student loans to affordable childcare and negotiations for a higher salary. Following Patrice's practical advice, you'll learn to form ?wealthy? habits, establish an ?opportunity fund,? and avoid collecting STUFF that causes debt. With Real Money Answers for Every Woman, you'll discover the freedom that comes from feeling financially secure.?In a season when women are taking back their emotional, physical, and financial power, Patrice Washington has provided a road map to prosperity and new possibility for us to follow and reap the rewards. I look forward to deep diving into this book again and again.? ?Lisa Nichols, CEO of Motivating the Masses, bestselling author, featured teacher in The Secret

Why do companies exert high effort to reduce the costs of products that are production? Because they can! Because unnecessary product costs were not removed during product development.C-O-S-T, short for Cost Optimization System and Technique, details how a company's product development teams, their supporting functions, and company leaders can optimize product costs before production starts and thereby maximize lifecycle profits.Since product development teams determine product costs imparted to new products, much of the book details how these teams optimize product costs. The book also includes ways company leaders can create and sustain company-wide engagement in optimizing product costs and keeping the resulting increased profit margins.The reader is entertained while observing a three-day workshop where executives of a fictitious company, Defender Products, Inc. are being taught the C-O-S-T system by its developers. The story flows like a business workshop with slides, dialog, and break-out sessions.The content will benefit all companies that design, develop and manufacture products.

If you are starting or selling your own business, or wanting to expand your company, business plans are essential. Get expert guidance on how to make an impact with your business plan and successfully communicate your strategic vision.Whether it is to raise finance, sell a business or develop a specific project, this is your one-stop guide to producing the most professional and convincing business plan for a new venture. This 7th edition now features even more practical exercises, useful templates and top tips to help you write a comprehensive and compelling plan, as well as content on digital developments such as crowdfunding, online retailing and digital marketing.The Creating Success series of books...Unlock vital skills, power up your performance and get ahead with the bestselling Creating Success series. Written by experts for new and aspiring managers and leaders, this million-selling collection of accessible and empowering guides will get you up to speed in no time. Packed with clever thinking, smart advice and the kind of winning techniques that really get results, you'll make fast progress, quickly reach your goals and create lasting success in your career.

Do you have financial freedom? Do you have a savings account? Do you have at least $1000 in your savings? Do you own your own home? If you answered no to any of the above questions this book is for you. This is a life changing book it teaches you how to change your habits and have fuller pockets.

Today's best-known expert on the topic shows business leaders how to dramatically increase corporate value through smart, strategic divestituresDivestitures are one of the most effective ways to increase shareholder value, and they are among the hottest transactional structures today. Based on Professor Emilie R. Feldman's award-winning research, Divestitures: Creating Value Through Strategy, Structure, and Implementation explains the ins and outs of using divestitures to benefit the corporation. Written for transactional advisors, board members, and executives tasked with making the right divestiture decisions and implementing them in ways that create value for their companies, Divestitures is organized into three sections:Strategy: Remove problems, improve focus, reconfigure your portfolio, and address regulationsStructure: Sales, spinoffs, equity carveouts, Reverse Morris Trusts, joint ventures, and tracking stocksImplementation: Separate and remove divested entities, reconfigure internal processes, and reshape external perceptionsYou've focused on mergers and acquisitions, but how much do you know about divestitures? Professor Feldman provides everything you need to know about what strategic objectives divestitures can achieve, which businesses divestitures typically involve, what divestiture structures companies can choose from, and how to implement divestitures to maximize their financial benefits.Divestitures fills major gaps in the professional and academic markets, providing the only available rigorous, research-based treatment of this important strategic tool.

You CAN be successful at managing your money and reach your dreams. Your Dreams are waiting for you, why not reach them sooner with a finance guide.Imagine having a financial guide that's easy to follow, easy to understand and helps you make better financial decisions throughout your life. Would your life be better now if you could have avoided the mistakes you've already made? Better yet, what if you could avoid the mistakes haven't made yet? The most common financial missteps lead to anxiety, high stress, and in some cases financial disaster.What if you had a path that you could follow, one that could lead you to the life you desired and allowing you to reach your financial dreams? Stop struggling so you can enjoy your life. There's one sure way to help you reach your financial dreams and start enjoying life, and that's with The Quick-Start Guide to Financial Success.Are you looking for help but you're not sure who to ask? Having a guide to help you along your financial journey are the basics to build your confidence Are you looking for simple, straightforward game plan for completely rethinking how to make good financial decisions. It's based on real life results, not academic theories. With The Quick-Start Guide to Financial Success, you'll be able to: Find quick financial wins that will save you money (Fatter Wallet!) Develop a Winning Mindset about money Reach your financial dreams, enjoy life and retire without the stress of needing to work unless you want to.Includes side notes referencing relevant real life examples throughout the book as well as nutshells that summarize chapters as a quick reference for the reader, and more. It also includes forms to get you on the right track and make your Financial Success a reality.

"Happy Go Money is informative but also accessible, smart and funny, silly and sexy, tough and also kind. Melissa Leong has given money a makeover -- and it now looks even better." -- Elaine Lui, LaineyGossip.com and author of Listen to the Squawking Chicken "A must-read for anyone who wants to fall in love with their money." -- Shannon Lee Simmons, founder of the New School of Finance "This might be the only personal finance book I have actually enjoyed reading from cover to cover. The one thing the title doesn't tell you is that Melissa is hilarious. You will laugh as much as you learn!" -- Cait Flanders, author of The Year of Less "You don't need more money to be happy, says Melissa Leong. But getting control of your finances helps you get through tough times with less stress. I loved Melissa's zippy writing style and radical honesty in mining her own life for examples and success stories." -- Ellen Roseman, Toronto Star personal finance columnist and author of seven books Want more money and more happiness? Melissa Leong has you covered with this indispensable financial guide. Fresh, funny and empowering, Happy Go Money challenges everyone to revamp their relationship with their money so they can dial down their worries and supersize their joy. Melissa Leong is a personal finance writer, keynote speaker, on-air personality and bestselling author. She appears on CTV's The Social as its resident money expert and was a staff reporter at the Financial Post.

Do you have a desire for high fashion looks, but lack the budget to shop in expensive stores? Are you interested in redecorating your home, but need to find great pieces for low prices? Do you simply love the excitement of a great deal? If you answered yes, "Don't Go Thrifting Without Me" is THE book for you! Packed full of years of shopping tips and inside secrets of the trade, this debut release by Adrienne S. Young demystifies the process of thrifting while highlighting all of the benefits. Covering topics from what you should wear, to when you should shop, Adrienne gives step by step practical advice to thrift any look or transform any room! Learn directly from this gifted Thrifting Queen and other popular thrifters she's brought along to share their best kept secrets! Get ready to expand your wardrobe and upcycle your home's style!

Shopping just got a whole lot easier (and affordable!) with the debut of The Ultra Simple Coupon Organizer. This easy-to-use, portable book provides every shopper with the best time, money, and stress-saving features. Convenient pockets store and divide coupons into 22 different categories, including a grocery section (with categories like dairy and frozen foods), as well as an "other” section (with categories like pet supplies and restaurants). Front pockets labeled "Today's Coupons” and "Coupons Expiring This Month" let shoppers keep all the coupons needed for upcoming trips in one place, eliminating the chance of forgetting them before they expire!The Ultra Simple Coupon Organizer also offers helpful tips for couponers at all levels. And with the included record keeping sheets, shoppers can keep track of how couponing is helping their budgets by recording the date, store, and amount saved.

WALL STREET JOURNAL BESTSELLER?An incredible, compelling read. It covers an astonishing amount of ground with basic simplicity and good humor. A masterful starting point for any investor. Tina Hay is a wizard.??Ben Stein, economist, author, actor and commentatorA handy crash course in personal finance, Napkin Finance is the groundbreaking guide everyone needs to help them manage their money and feel more secure.Surveys have found that two thirds of Americans can't pass a basic financial literacy test, and nine in ten believe personal finance should become a required high school course. Tina Hay understands the confusion. While attending Harvard Business School, she struggled to keep up with classmates?many of whom came from the banking world?when it came to understanding jargon and numbers-heavy concepts. Tina developed a visual learning strategy using sketches and infographics that helped her succeed in her studies and master even the most complex financial topics.Since then, Tina founded Napkin Finance, a thriving company built on the concept of taking seemingly overwhelming topics?such as budgeting, investments, and retirement accounts?and turning them into simple, skimmable explanations. Now, she's synthesized the most important content into this personal finance handbook. Napkin Finance includes dozens of individual learning modules, on topics ranging from credit scores to paying off student loans to economics and blockchain. The first illustrated guide that makes finance fun and accessible, Napkin Finance can help even the most numbers-phobic reader learn about complex financial topics without dying of boredom.

Strategisk investering og finansiering er en grundlæggende lærebog inden for investering, finansiering og virksomhedsstrategi. Bogen præsenterer alle de klassiske teorier og modeller på området og betragter investeringsanalysen i et strategisk perspektiv. I denne 5. udgave af Strategisk investering og finansiering er bogen især opdateret i forhold til emner som internationalisering, udviklingen i renteniveau og inflation, crowdfunding, bæredygtighed og Environment samt Social and Governance (ESG)-investering. Der er også tilført endnu flere eksempler og cases, der gennem hele bogen bruges til at illustrere anvendelsen i praksis. Der er lagt stor vægt på det sproglige udtryk, så de faglige emner bliver forklaret så enkelt som muligt. Om forfatteren: Michael Hedegaard, har over 25 års erfaring i international finansiering og forretningsudvikling på vækstmarkeder. Han er desuden lektor ved DTU og ekstern lektor ved bl.a. CBS.

You CAN be successful at managing your money and reach your dreams. Your Dreams are waiting for you, why not reach them sooner with a finance guide.Imagine having a financial guide that's easy to follow, easy to understand and helps you make better financial decisions throughout your life. Would your life be better now if you could have avoided the mistakes you've already made? Better yet, what if you could avoid the mistakes haven't made yet? The most common financial missteps lead to anxiety, high stress, and in some cases financial disaster.What if you had a path that you could follow, one that could lead you to the life you desired and allowing you to reach your financial dreams? Stop struggling so you can enjoy your life. There's one sure way to help you reach your financial dreams and start enjoying life, and that's with The Quick-Start Guide to Financial Success.Are you looking for help but you're not sure who to ask? Having a guide to help you along your financial journey are the basics to build your confidence Are you looking for simple, straightforward game plan for completely rethinking how to make good financial decisions. It's based on real life results, not academic theories. With The Quick-Start Guide to Financial Success, you'll be able to: Find quick financial wins that will save you money (Fatter Wallet!) Develop a Winning Mindset about money Reach your financial dreams, enjoy life and retire without the stress of needing to work unless you want to.Includes side notes referencing relevant real life examples throughout the book as well as nutshells that summarize chapters as a quick reference for the reader, and more. It also includes forms to get you on the right track and make your Financial Success a reality.

Do you have the mindset for financial success? How would you like to learn to succeed in all aspects of your life? Think and Grow Rich is one of the most influential and acclaimed books on success ever published. More than just positive thinking, Napoleon Hill's philosophy is a tried and tested technique that can propel you to success. In 13 clear, simple steps, Hill explains his "law of success" which is the cornerstone for harnessing your potential and growing your wealth. Central to this program is the idea that desire, faith, and persistence can propel you to great heights if you can suppress negative thoughts and focus on your long-term goals. This classic edition contains the original and unabridged text as well as an author preface. See for yourself why this perennial bestseller remains so popular eighty years after it was first published. ABOUT THE SERIES: Arcturus Classics for Financial Freedom brings together handsome jacketed hardback editions of some of the most renowned personal finance books of all time, featuring classic and unabridged text.