How to Live More Richly for Low-Income Families

Today, many new self-help books on saving money rarely apply to those who are in the low to poor classes of society. They talk of reducing the number of vehicles you own, cutting up credit cards, working extra hours, working extra jobs, investments, doing your own remodeling, planning for the future and finding cheaper gym memberships. This tends to describe upper to middle class working families who already make $90,000 a year, but are $100,000 in debt. These books tell these families on how to make more money, they don't teach them how to spend or be smart with the money that they do have. These books are not for the people that are in the lower classes that own one to two cars that barely run, have little to no debt because they can't afford to buy anything large enough to need a loan, work all the hours their jobs will provide, have no extra time to work other jobs because of working all they can at their primary job, have no money for investments, rent an apartment or house that remodeling wouldn't apply to them, can't afford the now much less the future and have never stepped foot into a gym.