Simple Money Solutions: 10 Ways You Can Stop Feeling Overwhelmed by Money and Start Making It Work for You

"I know I should be saving for my future, but life keeps getting in the way."

As a money-media personality and former Federal Reserve Board economist, Nancy Lloyd often hears from people who want her help. Her advice to them: There are no secrets to money, just some basic rules you haven't learned yet. In Simple Money Solutions, she demonstrates logical, easy-to-follow strategies that have worked for others, and she helps you get out of your own self-defeating money habits. You can quickly and painlessly increase your financial I.Q., take stock of your financial situation, and find the path to achieving your financial goals by following the step-by-step guidelines here. There's even a Time-Is-Money calendar so you can see not only what things to do, but when to do them so they're most effective. Best of all, you don't have to wait decades to reap the financial rewards--Lloyd shows you easy things you can do to free up cash right now.

Nancy Lloyd is the personal-finance commentator for National Public Radio's Morning Edition, the consumer/money correspondent for ABC radio, and a Family Circle contributing editor. She has been an on-air money adviser for the CBS Evening News and Up to the Minute and editor-at-large of Kiplinger's Personal Finance Magazine, and has appeared frequently on the Today show and Good Morning America. Lloyd's articles are syndicated by The New York Times; she also has written for The Washington Post, Good Housekeeping, Reader's Digest, and Cosmopolitan, among others. As a Federal Reserve Board economist, she specialized in consumer credit and banking issues. She lives outside Washington, D.C.