About the Book

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.

About the Author

Erik Wecks is an author and blogger living in Vancouver, Washington, where he is raising his three children with his wife Jaylene. Besides writing on Personal Finance, he is also a contributor to the GeekDad blog on Wired.com and has recently published his first science fiction short story. When not busy writing, he loves to play board games and is currently working on prototypes for a game inspired by Watership Down by Richard Adams.

About the Reviews

So far I've read several books about personal finance and they seemed to focus more on getting rich, as if thats everyone's primary goal. Erik's book spent a lot of time dealing with how to survive the day to day life of being in a bad financial situation, and I could really relate to that. If I end up rich later in life great, but right now I need to get my finances in order and this book helped with that. I've already recommended it to some friends, and I certainly think it worth the time and money.

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Like a lot of Americans in their late 50s, I took a deep pay cut after I was downsized from my job of 20+ years and finally got another job. I’m talking making about 50% less than I did at my old job. (On the other hand, the old job was at a poorly managed toxic place that would have eventually killed me, and the new job is at a positive, stable, fun, well managed organization I want to work for forever.) My new employer offered a Dave Ramsey course, and I signed up but didn’t get much further than Baby Step 3. The Ramsey course turned me off—it felt hyper religious and a little embarrassing at times, like being yelled at by your 6th grade phys ed teacher for not being able to run 600 yards. Weck borrows Ramsey’s solid principles and makes them palatable. Finally I feel as if I have a way out of my crushing credit card debt. His writing is engaging and encouraging and a little self deprecatingly humble, and never, ever dull. This is without a doubt the best, most practical financial planning book I’ve ever read. Even if you make $350k plus a year, you would profit by following his principles. And most amazingly of all, Weck makes reading this information a pleasure, not a chore. Thanks, Erik!

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Good book of financial advice. Wecks gives practical advice on how to change your thinking about money and how to create a budget that you will really stick to by making it your own. The book is funny and down to earth, making it a much easier read than many others on this topic. It is easy to understand and follow his principles and they are applicable to those with some debt and financial problems as well as those who are barely making it financially. He gives a lot of basic advice and really works hard to make consumers understand how debt and credit cards are not always your friend, despite how easy they are to use. Wecks also does a great job in clarifying needs and wants- something all of this in Western culture can use to review every now and again. I definitely found myself asking- 'Do I really NEED....' in thinking over my own finances and budget. Overall, a good book to help you get a handle on your finances and budgeting from a basic perspective.

Product Info

Paperback: 190 pages
Publisher: CreateSpace Independent Publishing Platform (June 7, 2012)
Language: English
Average Customer Review: 4.3 out of 5 stars 504 customer reviews

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