Start reading How to Manage Your Money When You Don't Have Any on the free Kindle Reading App or on your Kindle in under a minute. Don't have a Kindle? Get your Kindle here.
Read for Free
with Kindle Unlimited

Deliver to your Kindle or other device

Enter a promotion code
or gift card

Try it free

Sample the beginning of this book for free

Deliver to your Kindle or other device

Anybody can read Kindle books—even without a Kindle device—with the FREE Kindle app for smartphones, tablets and computers.
Sorry, this item is not available in
Image not available for
Image not available

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

Erik Wecks
4.3 out of 5 stars  See all reviews (244 customer reviews)

Print List Price: $9.99
Kindle Price: $2.99
You Save: $7.00 (70%)
Kindle Unlimited Read this title for free and get unlimited access to over 700,000 titles. Learn More

If you buy a new print edition of this book (or purchased one in the past), you can buy the Kindle edition for only $0.99 (Save 67%). Print edition purchase must be sold by Amazon. Learn more.


Amazon Price New from Used from
Kindle Edition $2.99  
Paperback $9.99  
Kindle Daily Deals
Kindle Delivers: Daily Deals
Subscribe to find out about each day's Kindle Daily Deals for adults and young readers. Learn more (U.S. customers only)

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

  • File Size: 426 KB
  • Print Length: 175 pages
  • Page Numbers Source ISBN: 1475044038
  • Simultaneous Device Usage: Unlimited
  • Publisher: Erik Wecks; 2 edition (March 8, 2012)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Enabled
  • Lending: Enabled
  • Amazon Best Sellers Rank: #15,930 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
  •  Would you like to give feedback on images?

Customer Reviews

Most Helpful Customer Reviews
85 of 89 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!
Was this review helpful to you?
38 of 39 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.
Was this review helpful to you?
40 of 42 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.
Was this review helpful to you?
19 of 20 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.
Comment | 
Was this review helpful to you?
41 of 48 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.
Comment | 
Was this review helpful to you?
22 of 25 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.
Comment | 
Was this review helpful to you?
10 of 10 people found the following review helpful
4.0 out of 5 stars An easy, quick read with practical advice March 18, 2012
Format:Kindle Edition|Verified Purchase
In the interest of full disclosure, I happen to know Erik personally, and I also know that the advice in his book is born of experience. Erik's had tremendously bad luck in the job market, but in spite of that he and his family have kept paying their mortgage and haven't gone hungry. Here's a finance book that isn't so much about building wealth as it is about learning to create stability, less "get rich quick" and more "don't go broke," which may be a lot more relevant today.

Aside from the more obvious lessons that you're familiar with (don't accumulate credit card debt), Erik gives practical steps toward getting out of debt and building your safety net, and steps you should take to keep yourself from falling into the same traps in the future. I really liked his boat analogy: you have to determine whether your boat is just full of water (you have debt) or actually sinking (you spend more than your income). If it's just full of water, at least you don't need to patch the boat and you can work on bailing yourself out. If it's sinking, though, then scooping out buckets of water isn't going to cut it. Either way, you need to know what situation you're in before you attempt to fix it.

The explanation of zero-balance budgeting is also easy to understand, and it lets you set your own values. Erik doesn't tell you where to spend your money--he just helps you figure out how much money you have for spending. While his writing isn't perfect, his advice is solid. If you're tired of personal finance books that assume you have a lot of money lying around to invest, then this book may be a perfect fit. (And it's cheap!)
Comment | 
Was this review helpful to you?
Most Recent Customer Reviews
5.0 out of 5 stars Inspiring well written
Has a down to earth way of getting his point across. Many good points to make a person think. Personally I agree with his approach to money and his ideas about getting rid of debt... Read more
Published 5 days ago by Elana M. Wilkins
4.0 out of 5 stars Four Stars
The ideal is fullness, the reality is very skinny
Published 17 days ago by anil Persaud
5.0 out of 5 stars Five Stars
Helped me through time.
Published 18 days ago by Amazon Customer
5.0 out of 5 stars unique style, yet useful
A lot of finance books are the same. There are little bits of prosperity in them, along with many guidelines that can be mix-matched. I really enjoyed that this book has a focus. Read more
Published 18 days ago by Sam
3.0 out of 5 stars Not impressed
Not impressed. A big book of opinions of the author that seemed like a tirade at times. Boring and useless. Not the solution for most people. 3 stars
Published 22 days ago by ironfox
5.0 out of 5 stars This was a great read for old and young
This was a great read for old and young. There are lessons for those that are living pay check to pay check and those that feel financially secure. Read more
Published 27 days ago by Margaret Mossbarger
5.0 out of 5 stars Very candid!
Straight to the point, no beating around the bush. Quick read. Helps you think differently about how you spend your money.
Published 29 days ago by Shamika N. Creech
5.0 out of 5 stars He just makes sense
Very well written- organized and concise. An intelligent plan for financial stability and wise words concerning the detrimental effects of debt.
Published 1 month ago by Jennifer Kinkead
5.0 out of 5 stars Five Stars
Just what my daughter needed!
Published 1 month ago by Gail Schwonke
5.0 out of 5 stars sound advice
Easy to understand. Best personal finance book that I have read to date. I highly recommend this book to anyone wanting to get their budget working for them.
Published 1 month ago by Tracy Murray
Search Customer Reviews
Search these reviews only

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.


There are no discussions about this product yet.
Be the first to discuss this product with the community.
Start a new discussion
First post:
Prompts for sign-in

Look for Similar Items by Category