Best Budgeting Books You NEED to Read – Ready for some reading that will change your entire life? I’ve got the best books for you here!
Every once in awhile, we all need a good dose of motivation that only a great book can deliver. Whether it’s about cooking, organizing, diet changes, becoming a minimalist, or finance, finding the right book to really speak to you can be all the kick you need.
True story: I never liked reading. (I have dyslexia so reading can be tedious, to say the least!) I’m much more of an audiobook person.
But, man, when one of those books speaks to you… the moment of “somebody gets me! I’m not alone!” is the best feeling in the world.
So naturally, being a cheapskate, most of the books that I read are about finances in some way. So I’ve found all of the best budgeting books and in general the best personal finance books you need to read to get a jump start on your finances.
I promise that none of them keep trying to drill into your head that you suck with money and that’s that. Each one of these books has left me feeling refreshed, refueled, and really motivated to stay on track with my money.
Side note: if you hate reading like me, check out your local library for the audiobooks, or you can try out Audible here.
The BEST Budgeting Books You Need to Read
The Total Money Makeover – Dave Ramsey
As far as I’m concerned, anything at all from Dave Ramsey needs to be a part of your budgeting reading.
Dave Ramsey also has a podcast that will whip your finances into shape and get you really pumped while doing it!
His plan for getting your finances in order will be one that you will read over and over again. Even if you’ve always felt like you’re just no good at money or budgeting, you’ll learn the baby steps that you need to take to get control of your money.
(Update 2021: There are many things that I disagree with when it comes to Ramsey. I don’t think that $1,000 is enough as an emergency fund, I don’t agree that all debt is bad, I don’t believe that this applies to people who are marginalized or anything. So… this comes with a grain of salt. If you like a “tough love” approach, then Dave is your guy.)
Related post: How to Live on One Low Income
Get Good with Money: Ten Simple Steps to Becoming Financially Whole – Tiffany Aliche
Are you tired of living paycheck to paycheck? Ready to take control of your finances and become financially whole? Look no further than “Get Good with Money: Ten Simple Steps to Becoming Financially Whole” by Tiffany Aliche, aka: the Budgetnista.
With easy-to-understand language and relatable anecdotes, Tiffany breaks down complex financial concepts into simple steps anyone can follow. She covers everything from budgeting and saving to investing and building wealth, all while infusing her signature wit and humor.
But “Get Good with Money” isn’t just about the numbers. Tiffany also addresses the emotional and psychological barriers to financial success, offering practical tips for overcoming limiting beliefs and developing a positive money mindset.
So, whether you’re a recent college grad or a seasoned professional, “Get Good with Money” is the perfect guide to help you achieve financial freedom and live the life you’ve always dreamed of.
I Will Teach You To Be Rich – Ramit Sethi
Sethi covers how to save time by not wasting it managing money; the guns and cars myth of credit cards; how to negotiate like an Indian—the conversation begins with “no”; why “Budgeting Doesn’t Have to Suck!”; how to get things rolling—for real—with only $20; what most people don’t understand about taxes; how to get a CEO to take you out to lunch; how to avoid the Super Mario Brothers trap by making your savings work harder than you do; the difference between cheap and frugal; the hidden relationship between money and food. Not to mention his first key lesson: Getting started is more important than being the smartest person in the room.
At last, for a generation that’s materially ambitious yet financially clueless comes I Will Teach You To Be Rich, Ramit Sethi’s 6-week personal finance program for 20-to-35-year-olds. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance— banking, saving, budgeting, and investing—and the wealth-building ideas of personal entrepreneurship.
Related post: How to Save Money When You’re Broke
Money Made Easy — Allison Baggerly
Allison is one of my very best friends and her book is the user manual that visual learners need most. She uses her personal story to share how to eliminate credit card debt, retire early, track your week budget, and she even shows illustrations of spreadsheet pages that you can use for your own monthly budget planner.
In Money Made Easy: How to Budget, Pay Off Debt, and Save Money, renowned blogger, podcaster, speaker, and Founder of Inspired Budget, Allison Baggerly, delivers a powerful and effective blueprint to saving, budgeting, and investing your way to a brighter financial future. You’ll discover saving, income, business, and debt-reduction tips as you identify your “money pattern” and break bad habits.
In the book, you’ll find:
- Checklists and templates you can use to put into practice the expert tips found inside
- Credit card balance-busting strategies that will put an end to your revolving cycle of consumer debt
- Ways to create a “sinking fund” to help pave your way to financial freedom
An easy-to-follow and immediately actionable roadmap to financial independence at any age, Money Made Easy takes the mystery and jargon out of personal finance and offers you the guidance you need to transform your financial life.
If you’re looking for a personal finance book that goes beyond the numbers and delves into the psychology behind our money decisions, “The Psychology of Money” by Morgan Housel is the book for you.
With a witty and engaging writing style, Housel explores the complex relationship between wealth, greed, and happiness. Through real-life examples and stories, he shows us how our attitudes and behaviors towards money can impact our financial success and overall well-being.
“The Psychology of Money” is not your typical personal finance book. Instead of offering a step-by-step plan for budgeting or investing, Housel provides a thought-provoking examination of the role of psychology in personal finance. You’ll learn how to reframe your thinking about money and make smarter decisions that will help you build wealth and achieve your goals.
So if you’re ready to explore the fascinating intersection between psychology and personal finance, “The Psychology of Money” is the book for you. With Housel as your guide, you’ll gain valuable insights into your own money mindset and take steps towards a more fulfilling and prosperous financial future.
Unshakeable: Your Financial Freedom Playbook – Tony Robbins
Tony Robbins has a step-by-step playbook, taking you on a journey to transform your financial life and accelerate your path to financial freedom.
No matter your salary, your stage of life, or when you started, this book will provide the tools to help you achieve your financial goals more rapidly than you ever thought possible.
He’ll teach you how to become unshakeable—someone who can not only maintain true peace of mind in a world of immense uncertainty, economic volatility, and unprecedented change, but who can profit from the fear that immobilizes so many.
You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want — Jesse Mecham
Are you tired of constantly stressing about money? Wish you could break free from the paycheck-to-paycheck cycle and start living the life you want? Look no further than “You Need a Budget” by Jesse Mecham.
As the title suggests, “You Need a Budget” offers a proven system for managing your finances and getting out of debt. But this isn’t your typical dry financial advice book. With his witty and relatable writing style, Jesse makes budgeting fun (yes, really!).
Through real-life examples and actionable tips, Jesse teaches you how to prioritize your spending, save for the future, and achieve your financial goals. But more than that, he helps you develop a healthy relationship with money, one that empowers you to take control of your finances and live the life you want.
So, if you’re ready to say goodbye to financial stress and hello to financial freedom, “You Need a Budget” is the book for you. Get ready to transform your relationship with money and start living your best life.
Rachel Cruze speaks the hard truth about the most damaging money habit we have: comparing ourselves to others. Then she unpacks seven essential money habits for living the life we really want – a life in line with our values, where we can afford the things we want to buy without being buried under debt, stress, and worry.
I love this line from the book: “The Joneses are broke.” Life looks good but hidden beneath that glossy exterior are credit card bills, student loans, car payments, and an out-of-control mortgage. Their money situation is a mess, and they’re trying to live a life they simply can’t afford.
Are we really living the lives we want, or are we chasing someone else’s dream, just trying to keep up appearances on social media, at church, and in our community? Why are we letting other people set the pace for our own family’s finances?
Stop comparing yourself and start living with this great book!
Related post: Money Saving Websites That Thrifty People Love
The Minimalist Budget
A minimalist budget is a particular approach to abundance and fulfillment that may seem counter-intuitive to most.
You will explore shopping and spending habits, identify problem areas, think about debt and make achievable goals for home, work and more. Look at concrete ways to put some of these principles into action, and look at resources that will keep you focused and motivated.
Having less is really more in a minimalist budget. You don’t need to be thrifty to benefit from this book. It will help you to narrow down your budget to the bare bones in your “needs” and “wants.”
Related post: I HATE My Monthly Budget (And What I Use Instead)
This is a brand new book that just came out from my blogging friend, Erin Lowry! Stop living paycheck to paycheck and get your financial life together!
If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass.
Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face in real life. Understanding your relationship with money: do you treat it like a Tinder date or marriage material. Managing student loans without having a full-on panic attack. What to do when you’re out with your crew and can’t afford to split the bill evenly. How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more.
Related post: 10 Reasons Why You Need An Emergency Fund
Another book by my dear blogging friend, Jessi. Jessi is working on paying off her house in less than 5 years after she bought it. Her financial advice is incredible!
Real Life on a Budget is a practical guide to helping you navigate the waters of money management. It features real life budget advice, practical challenges, actionable steps that will help you map out your journey to living and thriving on a budget.
If you have been struggling with developing, maintaining, and living on a budget, Real Life on a Budget will help you create a system to better manage your finances and will challenge you to stick to your real life budget.
Jessi’s real-world budget advice and exercises for every area of managing your household budget. Real Life on a Budget is a powerful tool to help you start living and thriving on a budget.
Related post: The 6 Bank Accounts that Your Family NEEDS
The Broke and Beautiful Life: Small Town Budget, Big City Dreams – Stefanie O’Connell
After moving to New York City to become a Broadway actress, Stefanie O’Connell faced one of two inevitabilities when faced with unemployment – spiral into debt or learn how to effectively manage her money. Punctuated with humor, insight, and essential money management lessons, The Broke and Beautiful Life offers practical strategies to make smarter financial decisions today as a means to fulfill the goals and dreams of tomorrow.
Specializing in personal finance (with an emphasis on personal), Stefanie engages those who shy away from the word “investing,” scoff at the word “budget,” and equate interest rates with “snooze fest.” She encourages readers to redefine their relationship with money and approach budgeting as an exciting and sexy tool to transform from broke to beautiful while enjoying every step along the way.
Related post: How to Save for the Newly Frugal
Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together — Rachel Richards (aka: Money Honey Rachel)
Are you tired of feeling lost and overwhelmed when it comes to your finances? Wish there was a simple and fun way to take control of your money? Look no further than “Money Honey” by Rachel Richards.
As the title suggests, this book offers a straightforward 7-step guide to getting your financial $hit together. Rachel’s witty and relatable writing style makes even the most boring financial concepts engaging and entertaining.
Through real-life examples and practical tips, Rachel teaches you how to create a budget, pay off debt, and build wealth. But more than that, she helps you develop a positive and empowering mindset when it comes to money.
So, if you’re ready to say goodbye to financial stress and hello to financial freedom, “Money Honey” is the book for you. Get ready to transform your relationship with money and start living the life you want. With Rachel’s guidance, you’ll be a financial boss in no time!
Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence — Vicki Robin and Joe Dominguez
Are you tired of living paycheck to paycheck and feeling like you can never get ahead? Wish you could transform your relationship with money and achieve financial independence? Look no further than “Your Money or Your Life” by Vicki Robin and Joe Dominguez.
This book offers a comprehensive 9-step plan to help you take control of your finances and achieve financial freedom. With their witty and engaging writing style, Vicki and Joe make even the most complex financial concepts easy to understand and apply to your own life.
Through practical exercises and real-life examples, “Your Money or Your Life” teaches you how to track your spending, create a budget, and prioritize your financial goals. But more than that, it helps you develop a deeper understanding of your relationship with money, so you can make informed decisions and live the life you truly want.
So, if you’re ready to transform your finances and achieve true financial independence, “Your Money or Your Life” is the book for you. With Vicki and Joe as your guides, you’ll be on the path to financial freedom in no time!
Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! — Robert Kiyosaki
Looking for books on budget that will transform your relationship with money? Look no further than “Rich Dad Poor Dad” by Robert Kiyosaki.
This classic New York Times bestseller financial guide offers a fresh perspective on budgeting and wealth-building, through the eyes of two very different dads – one rich and one poor. With his engaging and relatable writing style, Robert teaches you the fundamentals of money management and helps you develop a wealth mindset that will serve you for life.
Through real-life stories and practical advice, “Rich Dad Poor Dad” shows you how to break free from the cycle of living paycheck to paycheck and start building real wealth. Whether you’re just starting out or looking to take your finances to the next level, this book is a must-read for anyone looking to create a budget that works for them.
So, if you’re ready to take control of your finances and start living the life you truly want and to live rich, “Rich Dad Poor Dad” is the book for you. With Robert’s guidance, you’ll be on the path to financial freedom in no time!
How to Stop Living Paycheck to Paycheck (2nd Edition): A proven path to money mastery in only 15 minutes a week! (Simple Personal Finance Books) (Smart Money Blueprint) — Avery Breyer
If you’re tired of living paycheck to paycheck and feeling like you can never get ahead, “How to Stop Living Paycheck to Paycheck” by Avery Breyer is the book for you.
This practical and engaging guide offers a proven path to money mastery in only 15 minutes a week. With Avery’s witty and relatable writing style, you’ll learn how to create a budget that works for you, track your spending, and prioritize your financial goals.
Through real-life examples and practical tips, “How to Stop Living Paycheck to Paycheck” shows you how to break free from the cycle of financial stress and start building real wealth. Whether you’re a beginner or a seasoned pro, this book is packed with actionable advice that will help you take your finances to the next level.
So, if you’re ready to transform your relationship with money and start living the life you truly want, “How to Stop Living Paycheck to Paycheck” is the book for you. With Avery’s guidance, you’ll be on the path to financial freedom in no time!
Living Well Spending Less: 12 Secrets of the Good Life – Ruth Soukup
Living Well, Spending Less was written to bring hope and encouragement to every woman who currently feels overwhelmed or stressed with a life – and budget – that feels out of control.
It speaks to the mom trying to juggle all the demands of a busy life with the pressure to keep up with those around her. It’s a practical guide for those of us who often long to pull ourselves together but don’t always know how. It is real, honest, packed with practical tips, and speaks to the heart of the matter – how can we live the life we’ve always wanted?
Do you feel overwhelmed by the thought of creating a financial plan? Wish there was a simpler way to get your finances in order? Look no further than “The One-Page Financial Plan” by Carl Richards.
As the title suggests, this book offers a simple and straightforward approach to financial planning. In just one page, you can map out your financial goals, create a budget, and develop a plan for achieving your dreams.
But don’t be fooled by its simplicity – “The One-Page Financial Plan” is packed with practical tips and expert advice. Carl’s witty and engaging writing style makes even the most complex financial concepts easy to understand and apply to your own life.
Whether you’re just starting out or looking to revamp your financial plan, “The One-Page Financial Plan” is the perfect guide to help you take control of your money and live the life you want. So why wait? Start creating your one-page financial plan today and take the first step towards financial freedom!
The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances – Jen Smith
Budgeting and money management are some of the hardest concepts for people to nail down. You can have all the knowledge available and suck at executing it.
Jen Smith, creator of the debt freedom blog Saving With Spunk went from not being able to stick to a budget longer than two weeks to paying off $78,000 of debt in less than two years. She shares her experiences and strategies using No-Spend Challenges to change her money mindset and budget like a (mostly) pro.
In The No-Spend Challenge Guide you’ll discover:
– Why budgeting alone isn’t working
– The psychology behind your impulsive spending
– How to pay off debt fast while still having fun
– Ways to do for free what you’ve probably been wasting money on
– Ways to save money on your financial obligations
– How to make the most of your time without spending money
– Discover what you value
You’ll also get a free resource guide with every recommendation in the book in one place.
Whether you’re paying off student loan debt, saving for your first home, or just trying to control your spending; This is a personal finance book you’ll return to again and again.
The Financial Diet: A Total Beginner’s Guide to Getting Good with Money – The Financial Diet’s Chelsea Fagen and Lauren Van Hage
How to get good with money, even if you have no idea where to start.
The Financial Diet is the personal finance book for people who don’t care about personal finance. Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again).
The Financial Diet will teach you:
• how to get good with money in a year.
• the ingredients everyone needs to have a budget-friendly kitchen.
• how to talk about awkward money stuff with your friends.
• the best way to make (and stick to!) a budget.
• how to take care of your house like a grown-up.
• what the hell it means to invest (and how you can do it).
A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren’t ready (or rich enough) to get into the market
Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There’s a significant lack of information out there catering to the concerns of new millennial investors, such as:
* Should I invest while paying down student loans?
* How do I invest in a socially responsible way?
* What about robo-advisors and apps – are any of them any good?
* Where can I look online for investment advice?
In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.
Smart Women Finish Rich – David Bach
Whether you are just getting started in your investment life, looking to manage your money yourself, or work closely with a financial advisor, this book is your proven roadmap to the life you want and deserve.
With Smart Women Finish Rich, you will feel like you are being coached personally by one of America’s favorite and most trusted financial experts. The Smart Women Finish Rich program has helped millions of women for over twenty years gain confidence, clarity, and control over their financial well-being – it has been passed from generation to generation – and it now can help you.
Finally, a financial plan that lets you be YOU, only richer.
It’s time to throw away all your old notions of what financial advice should look like. Because if you’re looking for a book to put you on an austerity savings plan that has you giving up vacations and lattes, you’re out of luck. But if you’re looking to get your finances in rock-hard shape–in less time than it takes to finish a workout–then Alexa von Tobel, Founder and CEO of LearnVest, has your back.
How? Through the LearnVest Program. First, you’ll take stock of where you stand today. Then, you’ll create your customized 50/20/30 plan. 50/20/30 simply refers to the percentage breakdown of how to spend your take-home pay each month. The 50 gets the essentials out of the way so you don’t have to stress about them. The 20 sets your foundation for the future, then the 30 is left to spend on the things that bring happiness to your life.
By the time you’re finished reading this book, you’ll walk away with a financial game plan tailored to your priorities, your hopes and dreams, and your lifestyle. And, because von Tobel and the team at LearnVest are experts at financial planning in the online era, you’ll also learn how to integrate your financial plan into your mobile, social, digital life. Like your own personal financial planner between two covers, this book will set you up for a secure, worry-free money future, without having to give up things you love.
So toss those old-school financial guides out the window, and get ready to start living your richest life.
How to Manage Your Money When You Don’t Have Any – Erik Wecks
Unlike many personal finance books, How to Manage Your Money When You Don’t Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides a respectful, no-nonsense look at the difficult realities of our modern economy, along with an easy-to-follow path toward better financial stability that will give hope to even the most financially strapped households.
Created by a financial expert who hasn’t struck it rich, How to Manage Your Money When You Don’t Have Any offers a first-hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don’t Have Any teaches readers to do the best they can with their income no matter its size. Content-rich, personal, and jargon-free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read that will appeal to the average reader just struggling to make ends meet.
The Automatic Millionaire – David Bach
What’s the secret to becoming a millionaire?
For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and Start Late, Finish Rich what’s the real secret to getting rich? What’s the one thing I need to do?
Now, in The Automatic Millionaire, David Bach is sharing that secret.
The Automatic Millionaire starts with the powerful story of an average American couple – he’s a low-level manager, she’s a beautician – whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story, you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.
What makes The Automatic Millionaire unique:
· You don’t need a budget
· You don’t need willpower
· You don’t need to make a lot of money
· You don’t need to be that interested in money
· You can set up the plan in an hour
David gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers, websites and apps, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.
This powerful little book has the potential to secure your financial future. Do it once – the rest is automatic!
The 21-Day Financial Fast: Your Path to Financial Peace and Freedom — Michelle Singletary
Are you ready to kick your bad spending habits to the curb and achieve financial freedom? Look no further than “The 21-Day Financial Fast” by Michelle Singletary.
This book offers a unique approach to financial planning – a 21-day fast from all non-essential spending. But don’t worry, Michelle’s witty and relatable writing style makes this challenge not only doable but enjoyable.
Through daily readings and exercises, Michelle guides you through the fast, helping you identify your financial priorities, develop a budget, and create a plan for achieving your goals. But more than that, she helps you develop a healthy relationship with money, one that empowers you to take control of your finances and live the life you want.
So, if you’re ready to break free from the cycle of overspending and start living the life you deserve, “The 21-Day Financial Fast” is the book for you. Get ready to transform your finances and achieve financial peace and freedom in just three short weeks!
Financial Freedom: A Proven Path to All the Money You Will Ever Need – Grant Sabatier
Money is unlimited. Time is not. Become financially independent as fast as possible.
In 2010, 24-year old Grant Sabatier woke up to find he had $2.26 in his bank account. Five years later, he had a net worth of over $1.25 million, and CNBC began calling him “the Millennial Millionaire.” By age 30, he had reached financial independence. Along the way he uncovered that most of the accepted wisdom about money, work, and retirement is either incorrect, incomplete, or so old-school it’s obsolete.
Financial Freedom is a step-by-step path to make more money in less time, so you have more time for the things you love. It challenges the accepted narrative of spending decades working a traditional 9 to 5 job, pinching pennies, and finally earning the right to retirement at age 65, and instead offers readers an alternative: forget everything you’ve ever learned about money so that you can actually live the life you want.
Sabatier offers surprising, counter-intuitive advice on topics such as how to:
* Create profitable side hustles that you can turn into passive income streams or full-time businesses
* Save money without giving up what makes you happy
* Negotiate more out of your employer than you thought possible
* Travel the world for less
* Live for free–or better yet, make money on your living situation
* Create a simple, money-making portfolio that only needs minor adjustments
* Think creatively–there are so many ways to make money, but we don’t see them.
But most importantly, Sabatier highlights that, while one’s ability to make money is limitless, one’s time is not. There’s also a limit to how much you can save, but not to how much money you can make. No one should spend precious years working at a job they dislike or worrying about how to make ends meet. Perhaps the biggest surprise: You need less money to “retire” at age 30 than you do at age 65.
Financial Freedom is not merely a laundry list of advice to follow to get rich quick–it’s a practical roadmap to living life on one’s own terms, as soon as possible.
Pay Off Your Debt for Good: 21 Days to Change Your Relationship With Money & Improve Your Spending Habits So You Can Get Out of Debt Fast – Jen Smith
Stop “falling off the wagon” and FINISH paying off your debt. For good.
Are you sick of hearing the same personal finance advice but never being able to get ahead?
Paying off debt takes more than making a budget and cutting your spending. Years of bad spending habits, not planning for setbacks, and stress that depletes your motivation are just some of the barriers that prevent people from paying off debt. This book will show you how to knock down every barrier and finally achieve debt freedom.
You’ll experience a renewed vigor to pay off your debt and feel the financial weight lifted off your shoulders.
If you’ve tried to pay off your debt but can’t stick to the process, or you’re just starting and you want to ensure you pay off your debt fast, then you need this book.
The Everything Budgeting Book: Practical Advice for Saving and Managing Your Money – from Daily Budgets to Long-term Goals – Tere Stouffer
A step-by-step plan for creating a budget that makes every dollar count!
Are you looking for practical ways to stretch your paycheck? Between working and maintaining a home, saving money can be difficult, but with The Everything Budgeting Book, 3rd Edition, you’ll learn to use your money wisely today and prepare for tomorrow.
This step-by-step guide shows you how to:
- Improve spending patterns.
- Save on everyday expenses.
- Keep finances in order.
- Prepare for unexpected events.
- Plan for the future.
Whether you’re saving for a house, a child’s education or a new car, The Everything Budgeting Book will help you meet your financial goals. With this essential guide, you can stop living paycheck-to-paycheck and start enjoying the wealth you didn’t even know you had.
A book designed to guide younger adults through the world of personal finance.
More than ever before, people in their twenties and thirties need help getting their financial lives in order. And who could blame them?
These so-called millennials have come of age in the wake of the worst economic crisis in memory, and are now trying to get by in its aftermath. They owe record levels of student loan debt, face sky-high rents, and struggle to live on a budget in an uncertain economy.
It’s time for them to get a financial life.
For two decades, Beth Kobliner’s bestseller has been the financial bible for people in their twenties and thirties. With her down-to-earth style, she has taught them how to get out of debt, learn to save, and invest for their futures. In this completely revised and updated edition, Kobliner shares brand-new insights and concrete, actionable advice geared to help a new generation of readers form healthy financial habits that will last a lifetime. With fresh material that reflects the changing digital world, Get a Financial Life remains an essential tool for young people learning how to manage their money.
From tackling taxes to boosting credit scores, Get a Financial Life can show those just starting out how to decrease their debt, avoid common money mistakes, and navigate the world of personal finance in today’s ever-changing landscape.
Just because a book is about personal finances doesn’t mean that it has to be boring or leave you feeling like you hate your life. These are the budgeting books you need to read if you ever want to get started changing your financial world.
Remember, even if it’s a small step, it’s still progress!
More budgeting resources:
FAQs about budgeting books:
What is the best budget for beginners?
The best budget for beginners is one that is simple, easy to understand, and tailored to your specific financial situation. There are many great budgeting methods out there, but some of the most popular ones include the 50/30/20 budget, the envelope method, and the zero-based budget.
Ultimately, the best budget for you will depend on your financial goals, lifestyle, and spending habits. By experimenting with different budgeting methods and finding one that works for you, you’ll be well on your way to achieving financial success. And with the help of some great books on budgeting, you’ll have all the knowledge and tools you need to make informed and effective financial decisions.
What is the 50 30 20 budget method? And what is a book on the 50 20 30 budget method?
The 50/30/20 budget is a simple and flexible approach that involves allocating 50% of your income to necessities, 30% to discretionary spending, and 20% to savings and debt repayment.
While there is no specific book dedicated solely to this budgeting method, there are many personal finance books that discuss and recommend the 50/30/20 rule as a useful tool for managing your money.
One such book is “All Your Worth: The Ultimate Lifetime Money Plan” by Elizabeth Warren and Amelia Warren Tyagi. In this book, the authors explain the 50/30/20 rule in detail and provide practical advice for implementing it in your own life. They also offer insights into other important personal finance topics, such as saving for retirement and navigating the complexities of the financial industry.
Another book that discusses the 50/30/20 rule is “The Money Book for the Young, Fabulous & Broke” by Suze Orman. In this book, Orman presents a variety of budgeting strategies, including the 50/30/20 rule, and provides guidance on how to achieve financial security and independence, even if you’re starting from a place of limited resources.
What is the envelope method for budgeting? And what is a book on the envelope budget method?
The envelope method is a budgeting system that involves using cash envelopes to allocate and manage your expenses.
With this method, you divide your income into different categories, such as groceries, entertainment, or transportation, and assign a specific amount of cash to each category. You then place the cash in separate envelopes labeled with the category name, and only use the money in each envelope for its designated purpose.
This method can be helpful for those who prefer a more tangible and visual approach to budgeting, and can be especially useful for people who have a tendency to overspend when using credit cards.
One popular book on the envelope budget method is “The Total Money Makeover” by Dave Ramsey. In this book, Ramsey lays out a comprehensive plan for achieving financial freedom, including his envelope system for budgeting. He provides step-by-step instructions on how to implement this system, as well as practical tips for saving money, getting out of debt, and building wealth.
Another book that discusses the envelope method is “The Complete Guide to Money” by Dave Ramsey. This book covers a wide range of personal finance topics, including budgeting, saving, investing, and retirement planning, and offers practical advice for achieving financial success. It includes a detailed section on the envelope system for budgeting, with tips and strategies for making the most of this method.
Whether you’re new to budgeting or looking for a new approach to managing your finances, the envelope method can be a powerful tool for achieving your financial goals. By using cash envelopes to allocate your expenses and track your spending, you can gain greater control over your money and build a solid foundation for a secure financial future.
What is the zero-based budget? And what is a book on the zero-based budget method?
The zero-based budget is a budgeting system that involves giving every dollar a purpose, meaning that all income is allocated to specific expenses or savings goals until there is nothing left to spend. With this method, you start with a blank slate each month and create a new budget based on your current income and expenses. This approach can be useful for those who want to be more intentional and mindful about their spending, as it requires careful planning and consideration of every dollar.
One popular book on the zero-based budget method is “EveryDollar” by Dave Ramsey. In this book, Ramsey introduces his signature budgeting tool, which is designed to help readers create a zero-based budget and track their expenses in real-time. The book provides step-by-step instructions for setting up the budgeting tool and creating a budget that works for your individual needs and goals. It also includes tips and strategies for saving money, getting out of debt, and building wealth.
Another book that discusses the zero-based budget is “The 7 Habits of Highly Effective People” by Stephen Covey. While not specifically focused on personal finance, this classic self-help book includes a chapter on putting first things first, which emphasizes the importance of prioritizing your time and resources based on your values and goals. Covey suggests creating a zero-based schedule and budget as a way to ensure that your time and money are aligned with your priorities.
Whether you’re looking for a practical guide to implementing the zero-based budget, or seeking a more holistic approach to personal finance, there are plenty of resources available to help you achieve your financial goals. By taking a thoughtful and intentional approach to your money, you can create a budget that works for you and build a solid foundation for a secure financial future.
What is the 80 20 spending rule? And what is a book on the 80 20 budget method?
The 80/20 spending rule is a simple budgeting guideline that suggests you allocate 80% of your income towards necessities like housing, food, and transportation, and save the remaining 20% for discretionary spending and savings goals. This method can help you prioritize your spending and ensure that you’re able to cover your essential expenses while still leaving some room for fun and savings.
One popular book on the 80/20 budget method is “The 80/20 Principle: The Secret to Achieving More with Less” by Richard Koch. While not specifically focused on personal finance, this book introduces readers to the Pareto principle, which suggests that 80% of results come from just 20% of efforts. Koch applies this principle to all areas of life, including finances, and provides practical tips and strategies for maximizing your efforts and achieving your goals with less time and resources.
Another book that discusses the 80/20 rule in the context of personal finance is “The 80/20 Investor: Investing in an Uncertain and Complex World” by David Schneider. This book focuses specifically on investing, and introduces readers to the concept of “investing with purpose” by prioritizing the 20% of investments that are likely to generate the most returns. Schneider provides practical guidance on how to identify high-quality investments, build a diversified portfolio, and manage risk.
Whether you’re looking to create a budget, invest your money, or simply improve your overall financial wellness, the 80/20 rule can be a useful guideline for prioritizing your spending and achieving your goals. By focusing on the most important things and avoiding unnecessary expenses, you can make the most of your resources and build a secure financial future.
What are you favorite budgeting or personal finance books?