Underspent Adrian Copping The heart of the book

The heart of the book is the authors' moral case for atheism

The original biodynamic sowing and planting almanac

Students learn about the crucial role media plays in telling a client's story

‘This work is a treasure for foster and adoptive parents and for the professionals who work to assist them

and his beautiful daughter Zelda

Underspent Adrian Copping The heart of the bookDo 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