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Douglas Hayman

Douglas R. Hayman, known as the "Budget Surgeon" by friends, family, and colleagues alike, is a self-professed Household Budgeting expert. His eBook is a pure reflection of household budgeting techniques that he has successfully employed over the years to help reduce expenses, and to help fortify his personal financial balance sheet. Douglas has a Master's Degree in Computer Science and a Bachelor's Degree in Economics from Stony Brook University, in Long Island, NY.

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Reduce Your Monthly Budget By 20% Using Simple Budgeting Strategies

"Reduce Your Monthly Budget By 20% Using Simple Budgeting Strategies" is a unique, written-for-the-times eBook that takes a novel approach to Household Budgeting. It focuses on 90 well-defined, distinct strategies that can easily be implemented by anyone to drastically reduce one's household monthly budget by 20% or more. The author thoroughly addresses all avenues of spending in this book, and most importantly, emphasizes that a monthly budget should be treated as a business, and not as a hobby. Equally important, the author, known as the "Budget Surgeon" in familiar circles, highlights that the sum of the budget savings technique parts can have a profound effect on one's overall financial health, and can have a compounding wealth effect, year over year. The major categories of budgeting that are addressed by this eBook include: - Financial Decisions - Mortgage Issues - Automobile Savings - Cost of Living Decisions - All Types of Insurance - Taxes - Education - Bill Paying - Banking - Lawn & Garden Care - General Shopping - Clothing - Utilities - Food - Entertainment - Medical and Dental Expenses - Household and Home Improvements - Wedding and Gifts If you are struggling to keep up with your bills and feel that your monthly budget has become unmanageable, you will seriously benefit from this eBook's concrete money-saving strategies and suggestions. Alternatively, if you are just looking for new ideas to help fine-tune and reduce your monthly budget, you will also find this eBook extraordinarily valuable. For complete information, visit

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