Money affects every aspect of our lives.ampamp160 It affects how we dress where we live what we eat and how we spend our free time.ampamp160 It affects our emotions and enhances or detracts from our enjoyment of life.ampamp160 Effective money management is about so much more than just 401k contributions and saving money at the grocery store.ampamp160 ampamp160 No matter how much or how little money you earn the key to financial success is to spend less than you make.ampamp160 However the majority of Americans spend unconsciously wasting money on purchases that give them little satisfaction for their investment.ampamp160 Living the Savvy Life teaches how to create habits and routines that allow you to build and manage your finances effortlessly. By learning how to focus spending on what is truly important to you and economizing on those things that are not as important you can successfully manage your personal finances and enjoy life regardless of your level of income.