"A 14% credit card rate! What a deal!" "Where it says 'adjustable' here on my mortgage - that means 'fixed', right?" "Work until I retire, then collect Social Security. That's my wealth plan." If you've ever wondered how your money works, where it goes or how it grows, stop wondering. "Control Your Cash: Making Money Make Sense" deconstructs personal finance so that everyone but the hopelessly inept can understand it. Inside the book, you'll learn: • how to get your bank accounts, credit cards and other financial instruments to work for you, and not the other way around • the right way to buy a car (i.e. with the salesman cursing your name as you drive away) • where and how to invest, and what all those symbols, charts and graphs mean • how to turn expenses into income, and stop living paycheck-to-paycheck • whom the tax system is stacked against (hint: it's most of us) and how to use that to your advantage • the very key to wealth itself. In fact, the authors thought it was so important they put it on the cover so you can read it even if you're too cheap to buy the book: Buy assets, sell liabilities. Finally, a book that explains personal finance not only in layman's terms, but in detail. If you can read, and have any capacity for self-discipline, invest a few bucks in "Control Your Cash" now and reap big financial rewards for the rest of your life.
Control Your Cash: Making Money Make Sense
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Customer Reviews
Most Helpful Customer Reviews
2 of 2 people found the following review helpful
Format:Kindle Edition|Amazon Verified Purchase
I bought the Kindle version of Control Your Cash and strange as it sounds, haven't been able to put it down. Really unusal for me because I often find this type of book to be full of cliches and about as colorful as an funeral. The writing is crisp, funny, and really informative. Concepts are introduced and explained, and the authors don't make any assumptions about their readers. They don't see them as dumb, or brilliant. They have targeted this book really well - toward people who want to learn and will take enough time to read a book like this. It's not easy to make this subject matter fun without belittling it, but they have somehow managed to do it. Highly recommended.
1 of 1 people found the following review helpful
Format:Paperback
Control Your Cash is an anomaly among personal finance books: it's genuinely funny and well-written but full of solid information. I didn't agree with everything in the book (the section on homebuying made me want to debate the author), but it's all well-argued and never talks down to the reader. Another good book in the same vein is I Will Teach You To Be Rich.
1 of 1 people found the following review helpful
Format:Paperback
Control Your Cash: Making Money Make Sense by Greg McFarlane and Betty Kincaid was an interesting read. Basically it is a personal finance book that covers all of the basic topics: cars, credit cards, houses, investing, budgeting, taxes, etc.
Cons
I'll get right to it, I liked about 90% of it and there were lots of good points. Much of it was review for me, but there are lots of things that could help people who are new to learning personal finance. Unfortunately, there are 2 things that really stood out to me that I did not agree with. The first was talking about which credit card you should get. While the information presented was fine, I think the best credit card is the one that is cut into tiny pieces and cancelled. While some people are disciplined enough to make good use out of credit cards, far too many people aren't.
The second part that I disagreed with had to do with cars. While it suggests that you shouldn't over spend on cars, i.e. get the Honda instead of the Acura, or Toyota instead of the Lexus, it turns around and suggests buying a new car for the peace of mind. Buying a new car is one of the biggest mistakes you can make in my mind. They lose such a huge amount of value that it is more than worth the risk of breaking down to buy used. New cars lose 70% of their value in the first 4 years. Go ahead and get a 2-4 year old car and let somebody else take that hit.
Pros
Now for the good, and there was plenty of it. The main idea focused throughout the book was getting rid of liabilities and gaining assets. That is a good principle to follow, and it something everyone needs to work on. Also, there are quite a few chapters that do a good job explaining some of the basics of personal finance. There is a very in depth chapter giving the basics of investing. It was probably my favorite chapter. For someone who has no idea how investing works, this would be a good primer.
There is another good chapter on budgeting, as well as an interesting chapter covering taxes. Taxes are a huge part of personal finance, and understanding how they work is key to success. It is very interesting how taxes work on similar things depending on if it is a person or a business doing it. Different types of businesses also change the tax situation considerably.
The last chapter takes a good look at entrepreneurship. I found this chapter particularly interesting as I would like to start my own business someday. I'm not sure what it will be, but right now I think helping people get to financial independence is something I want to try. I'm not sure what the exact vehicle to do that will be, but I think I'm going to keep growing the readership of this blog. Hopefully the things I write can help some people.
Overall, if you can overlook the new cars and credit cards, Control Your Cash was really a pretty good personal finance book. It was an easy read, and the main point it emphasized of selling liabilities and buying assets is a good one.
Cons
I'll get right to it, I liked about 90% of it and there were lots of good points. Much of it was review for me, but there are lots of things that could help people who are new to learning personal finance. Unfortunately, there are 2 things that really stood out to me that I did not agree with. The first was talking about which credit card you should get. While the information presented was fine, I think the best credit card is the one that is cut into tiny pieces and cancelled. While some people are disciplined enough to make good use out of credit cards, far too many people aren't.
The second part that I disagreed with had to do with cars. While it suggests that you shouldn't over spend on cars, i.e. get the Honda instead of the Acura, or Toyota instead of the Lexus, it turns around and suggests buying a new car for the peace of mind. Buying a new car is one of the biggest mistakes you can make in my mind. They lose such a huge amount of value that it is more than worth the risk of breaking down to buy used. New cars lose 70% of their value in the first 4 years. Go ahead and get a 2-4 year old car and let somebody else take that hit.
Pros
Now for the good, and there was plenty of it. The main idea focused throughout the book was getting rid of liabilities and gaining assets. That is a good principle to follow, and it something everyone needs to work on. Also, there are quite a few chapters that do a good job explaining some of the basics of personal finance. There is a very in depth chapter giving the basics of investing. It was probably my favorite chapter. For someone who has no idea how investing works, this would be a good primer.
There is another good chapter on budgeting, as well as an interesting chapter covering taxes. Taxes are a huge part of personal finance, and understanding how they work is key to success. It is very interesting how taxes work on similar things depending on if it is a person or a business doing it. Different types of businesses also change the tax situation considerably.
The last chapter takes a good look at entrepreneurship. I found this chapter particularly interesting as I would like to start my own business someday. I'm not sure what it will be, but right now I think helping people get to financial independence is something I want to try. I'm not sure what the exact vehicle to do that will be, but I think I'm going to keep growing the readership of this blog. Hopefully the things I write can help some people.
Overall, if you can overlook the new cars and credit cards, Control Your Cash was really a pretty good personal finance book. It was an easy read, and the main point it emphasized of selling liabilities and buying assets is a good one.
Most Recent Customer Reviews
Brilliant & Hilarious
Not an easy task to mix humor with personal finance, and do it effectively, but Greg & Betty have done just that. Read more
Published 1 month ago by Jack
Useful and entertaining
The authors cover diverse personal finance topics including taxes, credit, budgeting and entrepreneurship both clearly and humorously, making an otherwise dry topic much more... Read more
Published 14 months ago by Crowlegs
If You Only Read One Financial Book All Year, This Should Be It
"Of all the financial disasters of the last few years--the subprime mortgage crisis, the monster budget deficit, the stock market losing half its value, centuries-old investment... Read more
Published 16 months ago by Cleveland Roosevelt Investments
About time
Why did I title my review "About time"? Because it's about time someone wrote a book about personal finance that's easy to understand AND written in laymen's terms. Read more
Published 22 months ago by JMac
A musst read book
I write blog and book reviews for The Kindle Blog Report.
It was a pleasure to review this book, Control Your Cash, and I give it two thumbs up. Read more
It was a pleasure to review this book, Control Your Cash, and I give it two thumbs up. Read more
Published 22 months ago by B. A. Peterson
you know you need to know
You may hate the thought of the chore of having to learn the stuff but you know that in order to succeed - nay, survive - you need this information. Read more
Published 22 months ago by cicely
Succinct guide for people of all financial backgrounds
I am not a fan of "get rich quick" schemes and the popular idea of "just wish for it and it will appear." Fortunately, this is NOT one of those books. Read more
Published 23 months ago by Landry Doyle
What your financial wizards won't tell you...
In plain english, this book covers a large area of the finance world that our country is sorely uneducated on today. Read more
Published 23 months ago by Mike Alleman
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