Looking for further info on downsizing? consider the following. Simple Living Guide, by Janet Luhrs (Broadway Books, 1997), offers a look at a simpler lifestyle and encourages the reader to see things from a different point of view. This book can help clients who find themselves stressed from too much activity or too little money. More a way of thinking than a plan of action, Luhrs’s book is an excellent introduction to the Simplicity movement, which can help clients who need to downsize for financial reasons to approach their life differently when planning budgets and activities to fit their new reality.

Yankee Magazine’s Living Well on a Shoestring (Rodale Press, 2000), covers how to economize in every area from insurance to eating out, dressing for success, and traveling on a budget. While some of the tips will seem bizarre, especially to former spendthrifts, the advice is creative and sound. Strategies for shopping smarter, budgeting better, and redecorating with individuality will enable your clients to feel more in control of their financial situations without feeling as if they need to resort to the next book.

The Complete Tightwad Gazette, by Amy Dacyczn (Random House, 1999) is appropriate for clients in need of desperate measures quickly. There are hints here on everything from making logs from rolled-up newspapers to finding the best bargains in children’s clothes and toys at thrift shops and flea markets. Dacyczn’s radical and effective way to approach expenses is to do away with them. Admittedly many of the strategies are far more extreme than many people will want to try. But there’s plenty here that is helpful to those trying to pare back expenses.