Do you want to be underspent, not overspent? Do you want to be debt-free? Do you want to transform your savings? Sixty percent of us can't afford to pay our credit card debts and 41% of us borrow from friends, family and loans each and every month to survive until pay-day. For most of us, shopping and buying are triggered by boredom, depression, loneliness, low self-esteem, insecurity, peer pressure, past poverty and passive aggression. Rachel Smith didn't buy anything new or second-hand during 2014 and saved 38% of her take-home salary. She changed her spending and transformed her savings without dramatically changing her life. In this ground-breaking and entertaining book packed with information, practical exercises and stories, Rachel shows you how to apply the 7 steps to being Underspent. This is a book that you can use, not just read and agree with. The ultimate result of implementing the 7 steps are: * You'll be underspent, now overspent. * You'll have quit shopping, buying and spending. * You'll have cash in the bank. * You'll be happier and more content, because life is stress-free when you're debt-free.