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Real Estate in South Asia (Routledge International Real Estate Markets Series)
by Prashant Das Ramya Aroul Julia FreyboteThis book provides insights into commercial and residential real estate markets in one of the world’s fastest growing regions: South Asia. Despite being the growth leader of the future, South Asia is among the "least integrated" regions with a large need for real-estate-specific information and knowledge. Scholars and industry practitioners from a variety of backgrounds come together to provide pan-regional and country-specific insights into—amongst others—institutional, economic and real estate market characteristics, real-estate-specific legislation, real estate financing, development and urban planning practices in Bangladesh, Bhutan, India, the Maldives, Nepal, Pakistan and Sri Lanka. A particular focus of the book is on topics such as the provision of affordable housing, sustainability, innovative office concepts such as co-working and the development of real estate investment trust (REIT) markets in South Asia. This book integrates knowledge on real estate markets in and across South Asian countries by means of country profiles and case studies to provide industry professionals, policy makers and scholars with a fundamental understanding of characteristics, opportunities and challenges in the region. The book is intended for readers with interests in real estate development, finance and investment, urban planning and housing in South Asia. It is also suitable as a reference textbook for undergraduate and graduate students in programs focusing on real estate, economic development, urban planning and public policy in South Asia and other emerging countries.
Real Estate und Facility Management
by Lars Schöne Norbert PreußDie Autoren behandeln die Anforderungen an ein modernes Management im Sinne eines integrativen Ansatzes: vom Portfolio- und Property Management über die Projektentwicklung und das Projektmanagement bis hin zum Facility Management. Strategien und Methoden werden detailliert dargelegt. Aus der Praxis für die Praxis geschrieben, wendet sich das Buch an Consultants und Entscheider der Bau- und Immobilienwirtschaft, die an der Optimierung des Immobilienmanagements unter Rendite-, Risiko-, Kosten- und Nutzengesichtspunkten interessiert sind.
Real Estate und Facility Management: Aus Sicht der Consultingpraxis
by Hermann Maier Edgar Schropp Rainer Stiller Marina Bleifuß Wolfgang HögerleDie überarbeitete und deutlich erweiterte 5. Auflage dieses anerkannten Standardwerkes liefert einen umfassenden Einblick in die Grundsäulen des Real Estate und Facility Managements: Von der Projektentwicklung, dem Projektmanagement, über das Transaktions- und Risikomanagement bis hin zum Asset-, Property- und Facility Management. Alle wesentlichen Leistungen sowie Argumente für ein nachhaltiges Management der Sachwertanlage Immobilie, die hierfür notwendigen Strategien, Methoden sowie Vorgehensweisen werden detailliert dargelegt. Besonders informativ, anregend und aufschlussreich wird der Leser durch den interdisziplinären Ansatz sowie die umfangreichen aktuellen Beispiele, Tabellen und Abbildungen durch den Lebenszyklus der Immobilie geführt.Dieses Werk wendet sich seit nunmehr über 15 Jahren an drei Zielgruppen: Studenten, die sich mit den Grundlagen und den vertiefenden Aspekten der Bau- und Immobilienwirtschaft insgesamt oder mit einzelnen Elementen, wie etwa einer Portfolio-Analyse oder der Due Diligence, gezielt auseinandersetzen wollen; an Praktiker, die die aktuellen Entwicklungen ihres Fachgebiets verfolgen und eine fortwährende Aktualisierung ihres Wissenstandes anstreben sowie Wissenschaftler, die durch die kritische Reflexion der hier beschriebenen Expertisen Impulse für die Weiterentwicklung ihres Forschungsgebietes erhalten können.
Real Estate, A Love Story: Wisdom, Honor, and Beauty in the Toughest Business in the World
by Joshua BenaimReal Estate, A Love Story shows the next generation of entrepreneurs how to pursue profit while building a human-centered future for American cities.Growing up on New York's Upper West Side in a bustling family of Jewish immigrants, Joshua Benaim discovered the power of place as he learned from his grandfather the art of minimizing risk while pursuing value in the world's toughest business—New York City real estate. And when a chance encounter in a cab led him to study opera, Benaim's time as a touring baritone inspired him to bring the poetry, passion, and historical authenticity of music to the world of business.In urban real estate, Benaim sees unique opportunities—the chance for us to follow our dreams, find love, nurture one another, and experience art in the everyday.But when Covid-19 disrupted our lives, radically changing the way we use our private and public spaces, he faced a question: Are cities—and the real estate industry that sustains them—obsolete?Benaim says no. The city is not dead. It is being reborn.Guided by a set of traditional values that prize fairness, honor, beauty, and respect for the communities in which he works, Benaim shares his wisdom through this lyrical story in four parts:I. How I Fell in Love with Real EstateII. Real Estate Investment and the Handshake PhilosophyIII. The Art of Real Estate DevelopmentIV: The Future of Real EstateAn intimate blend of memoir and business strategy, Real Estate, A Love Story is a guide for those shaping their own paths and anyone who believes in human, value-driven enterprise.
Real Estate, Construction and Economic Development in Emerging Market Economies (Routledge Studies in International Real Estate)
by Edward Ochieng Raymond Talinbe Abdulai Franklin Obeng-Odoom Vida MalieneReal Estate, Construction and Economic Development in Emerging Market Economies examines the relationships between real estate and construction sectors and explores how each sector, and the relationships between them, affect economic development in emerging market economies (EMEs). Throughout the book, the international team of contributors discuss topics as diverse as real estate finance and investment, housing, property development, construction project management, valuation, sustainability and corporate real estate. In doing so the book demonstrates how the relationship between construction and real estate impacts on economic development in countries such as Argentina, Brazil, Colombia, China, Ghana, Nigeria, Turkey, Lithuania, Hungary and Slovenia. Topics include: the role of real estate brokerage in improving the living standards of citizens; the effect of a mineral boom on construction cycles, real estate values and the socio-economic conditions of people in boom towns and cities; corporate real estate management practices and how they affect economic growth; and the synergies between construction and real estate and how they, in turn, affect economic development. This book will be of interest to those studying and researching real estate, construction, development studies, urban economics and emerging market economies.
Real Estate: Creating Wealth Through Real Estate: Ownership With a Conscience
by Sherwin HeyboerReal Estate discusses everything you ever wanted to know about income property. Sherwin Heyboer offers practical, fun-to-read advice for anyone interested in the exciting and lucrative field of real estate investment. A middle school teacher takes a look at real estate investment Practical ideas regarding income property with 40 years of analogous stories No gimmicks--concise advice for respectable landlords or landlord wannabes “This book is one of a kind. I’ll bet you’ll have more fun reading this book than one of those 500-page books about real estate--you know, the book where you get to page 37 and finally give up from boredom or you’re lost in way too much gobbledygook.” Bonus: A biblical look at wealth. Does God love rich people too?
Real Estate: Property Markets and Sustainable Behaviour (Natural and Built Environment Series)
by Peter Dent Michael Patrick Xu YeTraditional studies of the property market have tended to focus solely on commercial and legal issues, but the growing importance of the issue of sustainability means that a different approach is needed. This new textbook provides an overview of property within a market context, examining the complex nature of property rights and issues related to both investors and occupiers. At the same time it assesses property from the perspective of financial, social and environment sustainability. Topics covered range from the characteristics of property and depreciation, to ownership and development through to investments and sustainability reporting. The book concludes with key skills in sustainable knowledge needed by those working in the real estate industry. Written by an author team of experienced property professionals, this essential introductory textbook is well suited for property, planning and architecture students on undergraduate, graduate and conversion courses, as well as those on CPD and training programmes in related areas.
Real Estate: The Basics (The Basics)
by Jan Wilcox Jane ForsythReal Estate: The Basics provides an easy-to-read introduction to the core concepts of the industry to students new to the subject or professionals changing direction within the sector. The book encapsulates the key ‘need to know’ aspects of Real Estate including the ‘language’ of real estate; its value and contribution to countries’ GDP; its primary purpose, whether as an asset or as a resource; valuation concepts; asset classes; basic concepts of land law, and of landlord and tenant law; the increased role and importance of sustainability and technology; and an overview of the wide range of professionals involved in the industry. Readers will come to appreciate how the different elements of the profession fit together, and the professional standards and practices that may apply. Real Estate: The Basics will be helpful reading for anyone thinking about studying Real Estate, Property, or other Built Environment topics. It could be used to teach across a wide variety of courses, to provide an aide memoire to those who are already working in the industry, and to give those who are responsible for appointing and monitoring real estate advisers a greater understanding of the workings of the real estate sector.
Real Focus: Take control and start living the life you want
by Psychologies MagazinePsychologies, the leading magazine for intelligent people, provides their inspirational yet rigorous approach to the perennial topic of focus, to include topics of mindfulness, clarity and productivity. How are you today? We would hazard a guess that your answer will be along the lines of 'I'm so busy,' 'I feel so frazzled,' or 'what-am-I doing-even reading-this-book, I've got so much to do!' However, we also suspect that you know in your heart of hearts, that life's not supposed to feel like this. You're not supposed to feel like you're in a hamster wheel that you can't get off; that life is a 'whirlwind' or 'one never-ending To Do list.' You know there has to be another way - but what is it? Well here it is: Real Focus. Written in association with Psychologies Magazine the leading magazine for intelligent people, covering work, personal development and lifestyle issues Real Focus is: Packed full of tips, techniques and advice to help you focus in on what matters Based on scientific evidence and cutting edge global research Rigorous with credible content presented in a light and accessible manner Inspirational yet down to earth and practical
Real Food, Real Facts: Processed Food and the Politics of Knowledge
by Charlotte BiltekoffA free ebook version of this title is available through Luminos, University of California Press's Open Access publishing program. Visit www.luminosoa.org to learn more. In recent decades, many members of the public have come to see processed food as a problem that needs to be solved by eating "real" food and reforming the food system. But for many food industry professionals, the problem is not processed food or the food system itself, but misperceptions and irrational fears caused by the public's lack of scientific understanding. In her highly original book, Charlotte Biltekoff explores the role that science and scientific authority play in food industry responses to consumer concerns about what we eat and how it is made. As Biltekoff documents, industry efforts to correct public misperceptions through science-based education have consistently misunderstood the public's concerns, which she argues are an expression of politics. This has entrenched "food scientism" in public discourse and seeded a form of antipolitics, with broad consequences. Real Food, Real Facts offers lessons that extend well beyond food choice and will appeal to readers interested in how everyday people come to accept or reject scientific authority in matters of personal health and well-being.
Real Food/Fake Food: Why You Don't Know What You're Eating and What You Can Do About It
by Larry Olmsted“Olmsted makes you insanely hungry and steaming mad--a must-read for anyone who cares deeply about the safety of our food and the welfare of our planet.” —Steven Raichlen, author of the Barbecue! Bible series“The world is full of delicious, lovingly crafted foods that embody the terrain, weather, and culture of their origins. Unfortunately, it’s also full of brazen impostors. In this entertaining and important book, Olmsted helps us fall in love with the real stuff and steer clear of the fraudsters.” —Kirk Kardashian, author of Milk Money: Cash, Cows, and the Death of the American Dairy Farm You’ve seen the headlines: Parmesan cheese made from wood pulp. Lobster rolls containing no lobster at all. Extra-virgin olive oil that isn’t. So many fake foods are in our supermarkets, our restaurants, and our kitchen cabinets that it’s hard to know what we’re eating anymore. In Real Food / Fake Food, award-winning journalist Larry Olmsted convinces us why real food matters and empowers consumers to make smarter choices. Olmsted brings readers into the unregulated food industry, revealing the shocking deception that extends from high-end foods like olive oil, wine, and Kobe beef to everyday staples such as coffee, honey, juice, and cheese. It’s a massive bait and switch in which counterfeiting is rampant and in which the consumer ultimately pays the price. But Olmsted does more than show us what foods to avoid. A bona fide gourmand, he travels to the sources of the real stuff to help us recognize what to look for, eat, and savor: genuine Parmigiano-Reggiano from Italy, fresh-caught grouper from Florida, authentic port from Portugal. Real foods that are grown, raised, produced, and prepared with care by masters of their craft. Part cautionary tale, part culinary crusade, Real Food / Fake Food is addictively readable, mouthwateringly enjoyable, and utterly relevant.
Real Frauds Found in Governments (AICPA)
by Lynda DennisFrauds in governments are as unique as government entities themselves. In this book, you will learn about real-world government fraud, including cyber fraud, and your responsibilities when dealing with government. Analyzing several unique frauds that occurred in the sector, this book offers a comprehensive learning approach using examples, explanations of audit standards, and informative case studies. Key topics include: misappropriation of assets, external financial reporting, cyber fraud, management override, and improper use of procurement cards.
Real Frauds Found in Not-for-Profits (AICPA)
by Lynda DennisDue to the nature of not-for-profits, fraud may be more common than it seems. This book shows how to recognize red flags of fraud, including cyber fraud. It offers a comprehensive learning approach using real-world examples, explanations of audit standards, and informative case studies that analyze several unique frauds which occurred in the not-for-profit industry. Key topics covered are: misappropriation of benefits, pledges and contributions, cyber fraud, and grant expense allocations.
Real Happiness at Work: Meditations for Accomplishment, Achievement, and Peace
by Sharon SalzbergReal Happiness at Work brings the profound benefits of meditation to an area where people could use it most—the workplace. And it’s written by one of the world’s leading meditation teachers.A follow-up to Real Happiness, the New York Times bestseller, Sharon Salzberg’s Real Happiness at Work is a practical guide to improving work life through mindfulness, compassion, and ingenuity. It’s about being committed without being consumed, competitive without being cruel, managing time and emotions to counterbalance stress and frustration. It shows readers how to be more creative, organized, and accomplished in order to do better, more productive work.Dividing the idea of workplace satisfaction into eight pillars, Real Happiness at Work is filled with secular wisdom; core meditations on broad themes like motivation, awareness, and seeing the good in others; and more than a dozen exercises, including Moving From Me to We and When Things Go Wrong. Sprinkled throughout the book are short “stealth” meditations, the kind that are quick, private, and doable anywhere—“Let the phone ring three times, follow your breath, then pick it up” and “For an upcoming one-on-one conversation, resolve to listen more and speak less.”Even the best jobs are filled with stress, tough deadlines, impatient bosses, seemingly endless meetings—all the ills of harried life. But as science increasingly shows, meditation is the antidote.
Real Impact: The New Economics of Social Change
by Morgan SimonImpact investment--the support of social and environmental projects with a financial return--has become a hot topic on the global stage; poised to eclipse traditional aid by ten times in the next decade. But the field is at a tipping point: Will impact investment empower millions of people worldwide, or will it replicate the same mistakes that have plagued both aid and finance?Morgan Simon is an investment professional who works at the nexus of social finance and social justice. In Real Impact, she teaches us how to get it right, leveraging the world's resources to truly transform the economy. Over the past seventeen years, Simon has influenced over $150 billion from endowments, families, and foundations. In Real Impact, Simon shares her experience as both investor and activist to offer clear strategies for investors, community leaders, and entrepreneurs alike. Real Impact is essential reading for anyone seeking real change in the world.
Real Influence: Persuade Without Pushing and Gain Without Giving In
by Mark Goulston John UllmenAuthentic influence is about more than creating a strong initial connection--it&’s about sustaining professional relationships long after an agreement has been reached.When others sense they are being pushed, their guard goes up. In business interactions, even if the person you are pitching to does comply with your requests, lingering resentment may undermine the relationship forever. So why do most books on influence still portray it as something you do to someone else to get your way?Based on their commitment to listening, genuine engagement, and the pursuit of win-win outcomes, doctors and authors Mark Goulston and John Ullmen share a new method that business leaders can utilize to persuade others.In Real Influence, Goulston and Ullem teach you how to:examine priorities,learn about the needs of key players,earn others&’ attention,motivate others to hear more,and add value with question and actions.Outdated approaches that portray influence as a means to get your way invites resistance and cynicism from those who recognize the techniques. Manipulative tactics fail to produce the mutual trust that sustains successful relationships.Complete with examples of the steps in action and insights from real-world &“power influencers,&” Real Influence is a one-of-a-kind guide that showcases how being straight with everyone means winning for all.
Real Leaders Don't Boss: Inspire, Motivate, and Earn Respect From Employees and Watch Your Organization Soar
by Ritch K. EichForget leadership gimmicks and catch phrases, “instant” leadership manuals and Stalinesque approaches to bottom-line results. Skip the sharp cuts to cope with tough times, too. Real and effective leaders today—from the executive suite to the assembly line—quietly and consistently follow what Dr. Eich has identified as the seven principles of effective leadership.True leaders know how to make ethical judgments in the face of real-world challenges, and recognize what it takes to win loyalty and respect, motivate through passion, develop positive relationships, and enhance open communication.Real Leaders Don’t Boss is an easy-to-understand, practical guide to leadership in the workplace and in life that can help anyone grasp what it takes to inspire, motivate, and lead. With the help of real-life stories and advice from top leaders, it teaches how, with the right direction and guidance, real leaders quietly stand back and, no matter the economic conditions, observe as others achieve success, which creates their own successes.
Real Leaders Don't Do Power Point
by Christopher WittA book to help you overcome your reliance on business "crutches" like Powerpoint.
Real Leaders Don't Do Powerpoint: How to speak so people listen
by Christopher WittIf you are a leader - or aspiring to be one - then tools like PowerPoint detract, not add, to how your performance will be received. In fact, leadership and the ability to speak and sell yourself and your ideas are inextricably intertwined. Successful leaders speak to help listeners know themselves as well as to influence and inspire them. Chris Witt has helped hundreds of executives take their game to another level. Because, when you are a leader, being a good speaker isn't enough. You have to be a great speaker. Your reputation and the success of your business depend on being able to speak to a variety of audiences confidently and persuasively. Through contemporary and historical examples, Chris provides practical advice on how his readers can take their game to another level by understanding ideas such as:* You are the message - it's your experience, vision and character that audiences want* As a leader, you have only three speeches: to identify, to influence and to inspire* Speak less to say more. Fewer, shorter speeches have greater impact* Dare to be different. Leaders don't play by the rules; they take risks.
Real Leaders Don't Follow
by Steve TobakLeaders Lead. Followers Follow. You Can't Do Both.Acknowledging the great irony that most of today's inspiring entrepreneurs are following the crowd instead of doing what innovative leaders like Richard Branson, Mark Zuckerberg, and Elon Musk did to become successful, Silicon Valley management consultant Steve Tobak delivers some truth:Nobody ever made it big by doing what everyone else is doing.Drawing upon decades of personal experience with hundreds of accomplished entrepreneurs, CEOs, and venture capitalists, Tobak provides a unique perspective on today's technology revolution, exposes popular myths that masquerade as common wisdom and shows you what it takes to become a successful entrepreneur and an exceptional business leaders in today's highly competitive world.e time everyone spends chasing utopia in the virtual world, the less chance they have of making a difference and becoming successful in the real world.Drawing upon decades of personal experience with hundreds of accomplished entrepreneurs, CEOs, and VCs, Silicon Valley management consultant and former high-tech senior executive Steve Tobak shows readers exactly what it takes to become successful entrepreneurs and exceptional business leaders in today's highly competitive world. Today's and tomorrow's entrepreneurs are first given an eye-opening perspective on today's cultural revolution while explaining the challenges and opportunities our socially connected online world represents. Part two breaks down popular myths and fads while showing up-and-comers how to create a strong foundation for advancing their careers. The third part provides critical lessons in starting, building, running, and growing a successful, differentiated business in a highly competitive global market. Part four shows managers and executives of high-growth companies how to develop into strong, effective, high-performance leaders.Includes case studies, stories, and lessons of hundreds of accomplished and exceptional business leaders including:Steve Jobs/Apple, Masayoshi Son/Softbank, Jack Ma/Alibaba, Ivan Seidenberg/Verizon, Travis Kalanick/Uber, Matt Maloney/Mike Evans/GrubHub, Bill Gates/Paul Allen/Steve Ballmer/Microsoft, Andy Grove/Intel, Larry Ellison/Oracle, Steve Jurvetson/Draper Fisher Jurvetson, Mark Zuckerberg/Facebook, Fred Smith/FedEx, Marissa Mayer/Yahoo, Evan Spiegel/Snapchat, Elon Musk/Tesla/SpaceX, Larry Page/Sergey Brin/Eric Schmidt/Google, Matt Mullenweb/WordPress, Mike Moritz/Sequoia Capital, Reid Hoffman/LinkedIn, Peter Thiel/PayPal, Evan William/Twitter, Richard Branson/Virgin, Scott Cook/Intuit, Steve Case/AOL, Jim McNerney/Boeing, Frank Blake/Home Depot, Meg Whitman/H-P/eBay, Howard Schultz/Starbucks, Lloyd Blankfein/Goldman Sachs, Bob Pittman/AOL/Clear Channel/iHeartMedia, Jan Koum/WhatsApp; plus, Trader Joe's, CNET, Tivo, Qualcomm, Skype, Airbnb, Texas Instruments, NEC, GE, Procter & Gamble, McKinsey, IBM, BlackBerry. Others cited include:Howard Hughes, Warren Bennis, Andy Bechtolsheim (serial entrepreneur, Sun cofounder and first investor in Google), Tony Robbins, Stephen Covey, Mike Judge, Ayn Rand, Jaron Lanier, Henry David Thoreau, Peter Drucker, Niccolo Machiavelli, Margaret Thatcher, Mark Cuban, Donald Trump, Arianna Huffington, Albert Einstein.
Real Leaders Negotiate!
by Jeswald W. SalacuseThis book examines the central role of negotiation in gaining, exercising, and retaining leadership within organizations, large and small, public and private. Its aim is to instruct readers on the way to use negotiation to lead effectively. For far too long conventional wisdom has proposed that strong leaders refuse to negotiate, viewing negotiation as a sign of weakness. Leading people requires charisma, vision, and a commanding presence, not the tricks for making deals. For many executives, negotiation is a tool to use outside the organization to deal with customers, suppliers, and creditors. Inside the organization, it's strictly "my way or the highway. " Salacuse explains that leaders can increase their effectiveness by using negotiation in each of the three phases of the leadership lifecycle: 1) leadership attainment, 2) leadership action; and 3) leadership preservation and loss. Drawing on experience in wide variety of settings, including the author's own leadership positions, the book will examine high profile leadership cases such as the rise and fall of Carly Fiorina at Hewlett-Packard, the skillful negotiations by Warren Buffet to save Salomon Brothers from extinction, and the successful efforts by the partners at Goldman Sachs to negotiate a new vision and direction for that financial giant. Leaders and managers should pick up this book to learn how effective negotiation is essential to both gaining and exercising leadership and to overcoming threats to a leader's position.
Real Leadership: Helping People and Organizations Face Their Toughest Challenges
by Dean WilliamsWilliams (Center for Public Leadership, Harvard University) offers an alternative to the traditional notion of leadership, arguing that the true task of a real leader is to help people shift their practices and priorities to accommodate changing conditions. He illustrates how to apply this new approach with examples from his own experience with organizations as diverse as the government of Singapore, Aetna Life and Casualty, and the nomadic Penan tribe in Borneo. Annotation ©2006 Book News, Inc. , Portland, OR (booknews. com)
Real Life Economics: Understanding Wealth Creation
by Paul Ekins Manfred Max-NeefThe past fifty years have witnessed the triumph of an industrial development that has engendered great social and environmental costs. Conventional economics has too often either ignored these costs or failed to analyse them appropriately. This book constructs a framework within which the wider impacts of economic activity can be both understood and ameliorated. The framework places its emphasis on an in-depth understanding of real-life processes rather than on mathematical formalism, sressing the independence of the economy with the social, ecological and ethical dimensions of human life.
Real Life Money: An Honest Guide to Taking Control of Your Finances
by Clare Seal'Want to finally get a grip on your cash? This is the book for you' Cosmopolitan'The book everyone should read' Stylist'Packed with encouragement, support and wisdom' Anna Mathur, author of Mind Over MotherReal Life Money is a holistic approach to personal finance that addresses the deeper causes of debt and financial difficulties. Part memoir, part guide, Real Life Money takes the reader on a journey that can be adapted to their own pace and circumstances. It will cover everything from how to negotiate repayment terms with creditors and setting realistic budgets without punishing yourself, to dealing with money anxiety. The goal is not to get rich overnight, or to pay off debt at the expense of all of life's pleasures, but rather to gain an understanding of why we feel the way we do about money, and how we can use that to change our mindset and our finances for good.
Real Life Money: An Honest Guide to Taking Control of Your Finances
by Clare Seal'Want to finally get a grip on your cash? This is the book for you' Cosmopolitan'The book everyone should read' Stylist'Packed with encouragement, support and wisdom' Anna Mathur, author of Mind Over MotherReal Life Money is a holistic approach to personal finance that addresses the deeper causes of debt and financial difficulties. Part memoir, part guide, Real Life Money takes the reader on a journey that can be adapted to their own pace and circumstances. It will cover everything from how to negotiate repayment terms with creditors and setting realistic budgets without punishing yourself, to dealing with money anxiety. The goal is not to get rich overnight, or to pay off debt at the expense of all of life's pleasures, but rather to gain an understanding of why we feel the way we do about money, and how we can use that to change our mindset and our finances for good.