By Melissa Tosetti. Money affects every aspect of our lives. It affects how we dress, where we live, what we eat and how we spend our free time. It affects our emotions and enhances or detracts from our enjoyment of life. Effective money management is about so much more than just 401(k) contributions and saving money at the grocery store. No matter how much or how little money you earn, the key to financial success is to spend less than you make. However, the majority of Americans spend unconsciously, wasting money on purchases that give them little satisfaction for their investment. 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. Morgan James Publishing (2011), English, Paperback: 228 pages.