Skip the typical sermons about your finances Memorize nothing--learn by doing Receive frugal advice in real time, as you spend Stop impulse purchases once and for all Revamp 95% of your household's expenses Harness the power of "repetitive repetition" Customize any checklist to suit your needs Grow your nest egg by working smarter, not harder Postpone budgets or avoid them completely Ditch unfrugal spending habits forever