The simplest, easiest to implement a money management strategy that anyone can use Do you hate it when money management books simply tell you to stop spending money? They preach that the best way to save money is to cut back all spending, save every penny, and effectively... have no life! What these books don't understand is that a methodologies like that actually sets you up for failure. They ignore one key principle, the psychology of spending and saving. And ignoring that guarantees failure. Proper budgeting, money management, and saving will allow you to have your cake and eat it too. The key to success is about using very specific strategies to effortlessly manage your money.