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How to Manage Your Money When You Don't Have Any [Kindle Edition]

Erik Wecks
4.3 out of 5 stars  See all reviews (213 customer reviews)

Print List Price: $9.99
Kindle Price: $2.99
You Save: $7.00 (70%)
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Book Description

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 both a respectful, no-nonsense look at the difficult realities of life after the Great Recession and a hope-filled, easy to follow path toward better financial stability for 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 which will appeal to the average reader just struggling to make ends meet.

Editorial Reviews


"A great read when you are struggling to get by on a monthly basis. This book works on your beliefs more than your actions. So, if you are looking to really change your perspective and get your finances right, this is the place to start."

I've looked at the programs offered by those financial gurus you see on TV and found myself alienated: I don't make enough to play the investment games they often teach, and I just can't buy the implied promise of diamonds and gold awaiting me if I only follow their plans. Wecks wrote this book, as the title implies, for those of us who simply want help keeping our heads above water in a world that increasingly accepts the indentured servitude of endless debt"--Brightdreamer

From the Author

I am so pleased by the positive responses How to Manage Your Money When You Don't Have Any has received. I am truly grateful to have had the opportunity to have helped so many families find greater stability in these rough economic seas. I am looking forward to seeing what happens with the book in the future. Thank you so much for your encouragement and support!

Product Details

Customer Reviews

Most Helpful Customer Reviews
73 of 75 people found the following review helpful
5.0 out of 5 stars A must read for anyone living paycheck to paycheck March 18, 2012
Format:Kindle Edition|Verified Purchase
I have been reading this book over the past week, and it has really helped me to begin thinking differently about my approach to budgeting. I have kept a detailed budget for years, all color-coded and balanced to the penny. What really changed throughout my reading of this book was my awareness that my spending is a reflection of my values. Ouch. That was hard to take in, especially when I reviewed my budget for the past few months. Much of my spending is on debt payments, and I've really felt okay, as long as I could make all of my payments. If I truly value stability for my family, I need to think differently and set new priorities. This book provided practical and simple steps to get me started. I feel empowered and encouraged that I can begin to pay off the debt and become more purposeful in my saving and spending.

Anyone living paycheck to paycheck or spending much of their income on payments needs to read this book!
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30 of 30 people found the following review helpful
5.0 out of 5 stars No nonsense guide to finance. September 13, 2012
Format:Kindle Edition|Verified Purchase
This guide gets to the point. It's certainly not the most glamorous get rich quick or the get out of debt quick book. This book is realistic, and lists the precautions/actions you can take to avoid and get out of financial disasters.

One of the major points in this book is avoiding expenses, even if you have a high income. The dentist vs. the dentist's clerk story really nailed the point down. If you want to find out why a dentist making six figure salary can be poorer than the dentist's clerk making meager salary, read this book.

This book talks about debts and emergency funds a lot. It really nails down the importance of being debt free, and establishing an emergency fund.

This book will also stress the importance of needs such as food, shelter, clothing, and family.

As an 18 year old who used to spend all my income on CD's and iPods, this book really enlightened me. I'm now saving up for the future, and have 550$ in my emergency fund. I'm also managing my expenses vs income, and working a lot harder than usual. This book was a real eye-opener for someone who's lived 18 years of his life without having to make any financial decisions.
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34 of 35 people found the following review helpful
4.0 out of 5 stars A Finance Book For The Rest Of Us September 23, 2012
Format:Paperback|Verified Purchase
I've watched pledge-drive specials on PBS, where financial gurus offer "sure-fire" steps promising to take me from the depths of debt to the lap of luxury, but never could connect with the message. I'm not looking for investment advice, and I don't want five vacation homes to retire in. I just want some help keeping my head above water. Wecks offers more practical advice than those specials, with a more plausible goal: avoiding the traps laid by a system and culture that seems to accept debt as a simple part of everyday existence. This is a nice, simple plan that anyone, at any income level, can both comprehend and follow.
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15 of 15 people found the following review helpful
4.0 out of 5 stars Finally a book for us everyday folks. December 9, 2012
By Cat
Format:Kindle Edition|Verified Purchase
I have read a lot of books about how to handle your money, but they all seemed to be aimed at people that already had or were making a lot, telling them how to invest & retire wealthy. This book is for those of us that don't make a lot or have found ourselves in a mess. I especially like how he talks about people trying to maintain their high end style of living when their income has become low end, I know a few folks like that and can just see the hole they are digging getting deeper. I also like that he tells it like it is and uses his own mistakes as examples. I like his honesty, he doesn't sugar coat anything, it is just a really good book for getting your financial life back on track, written in a way that anyone can understand.
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34 of 40 people found the following review helpful
5.0 out of 5 stars Taking finances down to earth April 19, 2012
By Tessa
Format:Kindle Edition|Verified Purchase
This book doesn't beat around the bush and it is a quick read. The author doesn't hesitate in sharing his story and being honest about his mistakes and what he values, which is refreshing and makes the book entertaining.

I enjoyed the practical examples and metaphors that show just how much debt can eat away at the things we care about. The book shows how you can prioritize your money so that you can have financial stability even in the rough times.

I find the author's critique of Dave Ramsey a little strong, but I understand that it can be disheartening to hear about "wealth building" and investing when it is hard to even make the bills. That is exactly what this book is for. With this book and a willingness to change, you can turn $3, some time and a spreadsheet program (or pen and paper) into a world of a difference for your finances.
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18 of 20 people found the following review helpful
5.0 out of 5 stars read March 14, 2012
By Beth
Format:Kindle Edition
I have to be honest, I picked selected this book from my Kindle one night before bed to read it because I thought money management would help me fall to sleep faster, it didn't do the trick. I ended up reading about 1/2 the book in one night. While I was not a huge fan of some of the really male centered analogy, I was challenged to think about places in my life where I am spending money that I could cut back. This book made me really think about the reasons why I spend my money the way I spend it. The book didn't tell me 10 steps to follow to attain money Zen, however it made me think about making at least one change in my spending.
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10 of 10 people found the following review helpful
4.0 out of 5 stars Very good book for the financially strapped December 8, 2012
Format:Kindle Edition
This book is very good for those of us who know we need a new financial plan but haven't been able to commit. The ideas were much more practical than anything I've previously read or tried in the past. If you want a down to earth common sense guide to get you started on the road to financial health this is the one. If nothing else it will challenge the way you're used to doing things
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Most Recent Customer Reviews
2.0 out of 5 stars This author is a Dave Ramsey wannabe. I purchased ...
This author is a Dave Ramsey wannabe. I purchased this book thinking I would glean nuggets of wisdom on managing money. I didn't even finish the book. Read more
Published 4 days ago by TruDiva
5.0 out of 5 stars Great book!
Awesome book, I am new to budgeting and this was great to get me started. He gave some great tips and I recommend this book for use average folks.
Published 7 days ago by Le Magicien.
5.0 out of 5 stars Highly recommended!
Amazing. Down to earth advice to break destructive money habits.
Published 18 days ago by Chris Broholm
4.0 out of 5 stars Good insite
Excellent book for those starting out in life and a lot of good advise for those that have been staying afloat
I think it has to do with wants and needs and deciding to stop... Read more
Published 19 days ago by carol bylock
3.0 out of 5 stars How to manage your money when you don't have any
I am a visual person so I would have liked to see copies of the budgets. Also the book would be easier to read if more of the information was in numbered paragraphs. Read more
Published 20 days ago by Irish Amazon Customer
5.0 out of 5 stars Very Helpful, Great Read
This book was written by someone who, as many of us, has experienced the fear and angst of financial difficulties. Next to Dave Ramsey's writing, this book is equally helpful. Read more
Published 21 days ago by V. Stewart
4.0 out of 5 stars Seems like a personal spin on Dave Ramsey's teachings
Seems like a personal spin on Dave Ramsey's teachings. Good read, but not much else here if you've read Dave Ramsey's Total Money Makeover.
Published 21 days ago by lcseds
5.0 out of 5 stars How to Manage your Money When You Don't Have Any
Good advice, well organized and to the point. Very little fluff and, thank God no plugs for other books. Thanks Erik for your timely help. Conrad Samayoa
Published 23 days ago by Conrad Samayoa
1.0 out of 5 stars One Star
Mis-represented as Susie Orman
Published 24 days ago by Lynn Kelley
5.0 out of 5 stars Liked it.
It is only common sense to do what is outlined here, but most of us need common sense reminders just like this book to get us back on track. Read more
Published 29 days ago by zookeeper
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More About the Author

I am a full time writer and blogger living in Vancouver, Washington. I write both non-fiction and fiction, as well as a contribute to the, and my own blog at I enjoy writing on a wide range of topics. When not waxing poetic on various aspects of fiscal responsibility, I tend toward the geeky.

In the moments I am not poised over the keyboard, I love to spend time with my family. I am married to an angel, Jaylene, who has taught me more than anyone else about true mercy and compassion. We are the parents of three wonderful girls. As a group we like swimming at the local pool, gardening, reading aloud, playing piano, and beating each other soundly at whatever table top game is handy.

I love to hear from my readers. You can contact me at, follow me on twitter @erikwecks or read more about my work at If you are interested in finding out when my next book will be published you can sign up for my monthly newsletter there. The link is in the upper right corner.


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