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| RAND Corporation, October 2008, Free
http://www.rand.org/pubs/working_papers/2008/RAND_WR621.pdf
The authors dispute the previous common wisdom that consumption drops at retirement. This is true for food expenditures, which previous studies have tracked, but not for non-durable goods purchases overall. |
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| http://www.essortment.com/shopaholic-quiz-compulsive-shopping-45471.html, Free
Offers facts about compulsive shopping, along with a quiz you can take to see if you fall into this category. |
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| Trumpeter, 2008, $18.95
http://www.amazon.com/Buy-Not-Why-Overshop-Stop/dp/159030599X/ref=sr_1_13?s=books&ie=UTF8&qid=1280414117&sr=1-13
A helpful book about compulsive shopping and how to overcome it. |
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| http://www.kiplinger.com/tools/budget/, Free
A simple but very helpful on-line tool to help you lay out your current budget, as well as what you think your budget ought to be. |
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| http://www.budgetworksheets.org/, Free
A sour ce of free, printable and/or Excel budget worksheets you can use off-line. |
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| PriceWaterhouseCooper, April 20, 2011, Free
http://www.pwc.com/us/en/press-releases/2011/cash-and-debt-management-issues.jhtml
Nearly half of working US adults find it difficult to pay household expenses on time, according to this unusually meaty press report based on a survey of 1,610 adults making at least $30,000 annually. Additional data and analysis are provided. |
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| http://www.stretcher.com/index.cfm, Free
All kinds of tips and links for frugal living. |
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| Center for Economic Studies, March 2011, Free
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1786433##
Fisher and Marchand docu-ment that the drop in consumer spend-ing that occurs at retirement is greatest for people who spend the most, and disappears in the bottom fifth of the economic distribution. |
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| Houghton Mifflin, 2010, $27.00
http://www.amazon.com/Stuff-Compulsive-Hoarding-Meaning-Things/dp/015101423X/ref=sr_1_1?s=books&ie=UTF8&qid=1280414382&sr=1-1
Frost and Steketee help you understand the hoarding disorder, but do not offer a great deal of help in overcoming it. |
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| The authors provide guidance for assessing the overspending client’s readiness to change, and describe techniques for moving clients toward lasting success in changing their habits. |
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| Hinch discusses changes already included in the recent Healthcare legislation, as well as future increases we can reasonably anticipate |
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| http://www.hoardersanonymous.org/, Free
Offers some free and useful information about compulsive hoarding, but is also designed to lead you to other publications and services that you would need to pay for. |
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| http://www.ocfoundation.org/hoarding/, Free
Information about compulsive hoarding and about options and services for dealing with it. |
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| http://www.mahalo.com/how-to-cut-household-expenses/, Free
This site lists dozens of ideas for cutting your expenses. |
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| http://frugalliving.about.com/od/householdsavings/tp/Household_Save.htm, Free
A good starting point for more frugal living. |
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| Anja Press, 2009, $11.95
http://www.amazon.com/Frugillionaire-Fabulous-Ways-Richly-Fortune/dp/0984087303/ref=sr_1_1?s=books&ie=UTF8&qid=1280413315&sr=1-1
Jay suggests many ways to save money while still getting the stuff you want. |
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| Klinger uses a Monte Carlo model that assumes declining expenses in older age. |
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| http://www.aiflp.org/pdfs/IntegrativeAdviserNo0203.pdf, Free
Laura describes a process through which consumers can fix their household budgeting issues by focusing on their priorities, without getting stuck on the specific numbers. |
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| Kaplan Publishing, 2008, $14.99
http://www.amazon.com/Budget-Kit-Common-Management-Workbook/dp/1427796726/ref=sr_1_2?s=books&ie=UTF8&qid=1280410997&sr=1-2
Lawrence provides advice and encouragement (and a workbook) if you do have a tendency to overspend, or if you have accumulated a lot of credit card debt. |
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| Boston College Center for Retirement Research, February 2011, Free
http://crr.bc.edu/working_papers/health_and_retirement_effects_in_a_collective_consumption_model_of_elderly_households.html
Lewbela nd Seitz explore the consumption of goods by retired married couples. |
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| New Harbinger Publications, 2004, $16.95
http://www.amazon.com/Overcoming-Compulsive-Hoarding-Save-Stop/dp/157224349X/ref=sr_1_1?s=books&ie=UTF8&qid=1280518724&sr=1-1
The authors help compulsive hoarders learn to recognise the problem, understand the treatment options, and learn gently techniques to free themselves of this disorder. |
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| Shambo says that, in planning for individuals, future expenses should be based on the 'consumption function', not the Consumer Price Index. He points out that up-wardly mobile young clients may experience expense growth 300bp above the CPI. He offers a simple tool for estimating this effect. |
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| University of Michigan Retirement Research Center, September 2009, Free
http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp211.pdf
Shapiro argues that neither reduced health nor widowhood (in either men or women) reduces economic well-being, since data shows that neither eventuality tends to lead to reductions in consumption. |
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| http://www.shopaholicsanonymous.org/, Free
Useful information about compulsive shopping - how it manifests itself and what causes it. |
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| Boston College Center for Retirement Research, December 2009, Free
http://crr.bc.edu/images/stories/Working_Papers/wp_2009-31.pdf
The authors discovered that higher-income seniors increase their assets in retirement, middle-income seniors reduce their assets but at a rate that in most cases will not deplete assets, but many low-income seniors have fewer assets and spend them at a rate that will deplete them. |
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| Vanguard Center for Retirement Research, October 2008, Free
https://institutional.vanguard.com/iam/pdf/CRRSNE.pdf
This study found that half of people age 55-75 with $50,000 or more in savings tapped into their savings in the past year, mostly in lump sums rather than regular, systematic withdrawals. It predicts that this proportion will increase. |
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| Financial experts comment, focusing on investment risk, but also emphasizing the importance of understanding the big picture concerning both family finances more broadly and also issues beyond just the financial ones in college planning. |
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| Broadway, 2007, $12.95
http://www.amazon.com/Ultimate-Cheapskates-Road-True-Riches/dp/0767926951/ref=sr_1_11?s=books&ie=UTF8&qid=1280413315&sr=1-11
Yeager offers lots of ideas for saving money, at any age. |