The FinancialVerse - Guide to Savings - 600 Practical Cash Saving Ideas
Pandemic Edition
The FinancialVerse Guide to Savings - 600 Practical Cash Savings Ideas presents ideas on where households can look to save cash in our pandemic impacted world. The typical American household spends over $60,000 per year to support their lifestyle and needs. The book carefully delves into more than 30 areas of spending to look for savings. The book provides a roadmap of where households can look for cash savings for today and into the future.
Areas that are discussed include developing personal financial values that drive spending. Key areas for savings identified include:
Big purchases
Childcare
College funding
Coupons and discount platforms
Debt
Housing and related costs
Transportation
Travel
The FinancialVerse Guide to Savings is based on the author's over 30 year career in personal financial services and his practical experience in saving money on life's needs. The author believes that if the reader implements many of the ideas presented they should be able to save at least 1% of their annual spending and find cash for other needs such as savings, debt reduction and retirement planning.
Harry N. Stout is a published author and founder of the FinancialVerse organization. The FinancialVerse books and content are dedicated to improving America's financial literacy. He is an acknowledged senior leader in the global financial services business with over two decades experience in the annuity and life insurance businesses. He has held marketing, sales, product innovation, and distribution roles over his successful career. He has over 25 years of financial services industry experience in the U.S. and abroad, working in Europe, Northern Asia, Africa, New Zealand and Australia.
He is a past director of the National Association for Fixed Annuities, the Financial Services Council of Australia, the Insurance Marketplace Standards Association, and the Life Insurance Marketing and Research Association. He has been a governance fellow of the National Association of Corporate Directors.
His U.S. business experience includes serving as President of Voya's U.S. Retail Annuity Business Group, where he directed the fixed, indexed and variable annuity businesses. He also spent over a decade with Fidelity & Guaranty Life Insurance Company where he served as Chief Executive Officer and President as well as holding key senior leadership roles for its parent companies USF&G Corporation, Travelers Corporation and Old Mutual U.S. Holdings, Inc. He has also been a corporate officer or Board member of several insurance marketing organizations. He began his career in public accounting with KPMG where he spent 10 years working primarily with multi-national enterprises.
Mr. Stout's experience includes serving as Managing Director of Investments and Insurance with Australian and New Zealand Bank (ANZ), where he was based in Sydney and ran the Australian life insurance, investment, retirement services, general insurance and advice businesses for this large regional Australasian bank. During his time in Australia, he was also Managing Director and Chief Executive Officer of ING Australia.
Harry is a nationally known speaker, podcast guest and author covering annuities, life insurance and personal finance.
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