How to Stop Living Paycheck to Paycheck: A proven path to money mastery in only 15 minutes a week! (Smart Money Blueprint)

I really like the book. Easy to understand.

When I realized I was living paycheck to paycheck, I knew something needed to change. This book includes a budgeting tool for your computer that is really easy to use and yet not overly simplistic. The author does a really great job helping you understand how to use it. It's all explained. The budget tool was the most helpful part of the book for me, because somehow I'd gotten this far into life without knowing how to keep track of my money. I didn't know how much was coming in or going out. Some of the info in the book was common sense to me, like how to cut expenses or bring in more income or how to not go into debt. But I'm sure the expense tracking portion was common sense to some other readers, so it's good the author included it all. One thing that was frustrating to me is that I am simply not bringing in enough income, but this book wasn't written to help you get a better job or start your own business. Very easy to read (but make sure you do more than just read it)!

I’m very impressed by this book and the free interactive spreadsheet that is included. There is a google drive version which makes it free & easy for everyone. Tracking your expenses on the first month is a grind but once it’s completed, you’re ready to rock. The ONLY reason I gave it 4 stars, instead of 5, is because it assumes you have no savings and are starting from zero, instead of being suddenly at paycheck to paycheck & trying to fix it before you hit zero. Otherwise, it’s perfect. Also, the author courteously follows up to make sure you’re good-which is super impressive.

I really liked the author's friendly, common sense advice on personal finance. I do know how to budget, but I've had a lot of setbacks lately and this book helped put things into prospective. A lot of her tips are things I've already done like cutting out cable and making do with my five-year-old computer and three-year-old smartphone. I also have a chair that my cat clawed up, but I'm still using it and covering it with an animal print throw. I have to use the notebook and pen method instead of the spreadsheet that was offered because my old laptop didn't download it. I may go to the library and see if I can download it and the other free material there. Speaking of which, you can take out books you want to read and movies and CDs for free. And there are lots of websites that offer free and reduced price books for your Kindle (or in my case, the Kindle app for my phone). I liked the quotations in the book--those were inspirational. And I liked the author's approach--it was like talking to a friend who's good with money advice. Hopefully, this will help me have fewer setbacks. I'm keeping it on my Kindle app for a while so I can refer back to it.

I would imagine this is a great book for certain kinds of people. The problem is that the information and the tips in this book are geared towards the lowest common denominator. If you have no or next to no previous financial education then this is probably an excellent book for you to start with. If you already understand the basics of budgeting, and what a budget is, then it might not be worth your while to read through this entire book. There are a few small things I got out of the book, here and there. But ultimately I could tell that I wasn’t the target demographic for this book. I also didn’t like the last chapter where the author kind of broached the idea of “money scripts” but then didn’t mention what a money script was or how it impacts one’s ability to budget and save money. It either shouldn’t have been included or should have been written differently. If the idea of budgeting is foreign to you, if you’ve never tried it before, if you’ve never taken any accounting or finance classes, this book will probably help you elevate your game a thousand. But if you’ve had even an elementary financial background and are having problems budgeting for reasons other than you go to happy hour every day, then you’ll probably be better off with another book. This book spends a lot of time essentially saying “be honest and transparent with yourself about where you spend your money and why you do it. Then plan to do better.” It’s a worthwhile message for everyone, but this book isn’t just for anyone.

Really enjoyed reading this book. A lot of really well thought out plans to get my financial life back in control. I am still using the free spreasheet template that comes with it. I will recommend this for anyone in need of a total understanding of how to manage money on a day-to-day basis. Specially if you are as lazy as I was when it came to keeping track of that $10, $12.27, $23.44 purchases that slips in and then at the end of the month, I am like...whoa! Where did my money go!? The most improtant thing I learnd from this book? Make it a habit to log your in's and out's. The formlas and the format in the spreasheet is a little hard to understand the first half dozen time, but trust me, once you get it, it will stay with you for a long time. Unless you become filthy rich and can hire an accounting firm to manage your money...:-)

Very informative

This was a great read. I liked her approach and writing style. The book came at a good time for me and my wife as we are working at paying off our debt and trying to get on track. The spreadsheet she offers is worth the price of the book alone! I make good money and have all the things I could ever want but when my wife stopped working for a year we had a tough time with our budgeting. My only regret is that I did not read earlier it would of saved us alot of time. One thing I learned was to save monthly for the annual bills. I guess we just paid them as they came and that was always stressful because it came at the worst time and more likely than not put it on a card. Than something else comes up and so on and so on. Pretty soon you rack up a 10 grand and alot of credit card interest. We are finally on the right track and this book will help us get there sooner.

Thank you for putting the reminders together and for designing the ‘money tracker’, a very helpful tool. I’ll definitely recommend this book to friends and family ..

good book on financial discipline

Las enseñanzas son bastante evidentes y hasta obvias, sin embargo es un buen recordatorio para ayudar a la gente a ahorrar. No hay secreto para hacerse rico mas que ahorro e inversión y las recomendaciones aquí escritas dicen justamente eso. La herramienta excel descargable que ofrece el texto es un excelente punto de partida para que cada lector cree su propia herramienta para control presupuestal a su medida. El texto está narrado con un tono bastante "simplista", cosa que no me molesta pero habrá quienes lo consideren hasta ridículo. No va a aportar nada nuevo, sólo tengamos en mente que este libro es un recordatorio sencillo sobre las buenas prácticas que permitirán que la gente ahorre.

Wish I had read this sooner. My situation isn’t bad but didn’t know where to start, not just following my plan and each week take 15min to fill up and wait for next month result.

Das wichtigste an dem Buch ist eine Excel Tabelle, die man sich auf den eigenen Rechner runterladen kann. Damit kann man sein Monatsbudget planen und sehen in welchen Bereichen zu viel Geld ausgegeben wird. Die Tipps zum Geldsparen und Geld dazuverdienen sind sehr interessant und stimmen nachdenklich, obwohl einiges so in Deutschland nicht umzusetzen ist.