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On My Own Two Feet: A Modern Girl's Guide to Personal Finance [Kindle Edition]

Manisha Thakor , Sharon Kedar
4.6 out of 5 stars  See all reviews (91 customer reviews)

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  • Length: 183 pages
  • Word Wise: Enabled
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Book Description

Most young women would love to live a carefree lifestyle filled with lunches, Louis Vuitton, and lattes, but what you might not know is that doing so can lead to future financial breakdown.

Whether you've been living paycheck-to-paycheck, are trying to save for a down payment on your first home, or are hoping to one day retire in comfort, On My Own Two Feet teaches you how to balance your desire to live well today with the need to save and invest for tomorrow. This lively, no-nonsense financial guide explains:

  • How much of your income to save
  • How to avoid the perils of credit card debt
  • How to create a budget you can live with (and still have fun!)
  • How to invest widely using a keep-it-simple plan
  • How to deal with real-life situations
The sooner you apply the financial concepts highlighted by Manisha Thakor and Sharon Kedar, the more likely you'll achieve common life goals--all free from financial stress.

Editorial Reviews


"You can either manage your financial life, or let it manage - and torture - you. Financial service professionals and CFAs Thakor and Kedar recommend the former and show you how to achieve it. This guide to financial planning for young women (men, this applies to you, too) is sound and prudent... Thakor and Kedar are more like financial physicians than financial consultants." -- Kirkus Review - April 2007

From the Back Cover


"This is the path to true liberation: how to handle all those hard-earned dollars. Or make do with what you've got. And if I were a modern boy, I'd put on a wig and buy one as well. We all need this guidebook."
- Lynn Sherr: ABC News Correspondent & Author of OUTSIDE THE BOX: A Memoir

"ON MY OWN TWO FEET is a must-read for all women who want to own their own destiny. In clear, penetrating prose, Thakor and Kedar guide their readers along the journey to financial security and personal freedom. Whether you are going to run a corporation, a household, or your own extraordinary life, this book is indispensable."
- Nancy F. Koehn: James E. Robison Professor of Business Administration, Harvard Business School

"A real page turner - and that's not something typically said about personal finance books! ON MY OWN TWO FEET is chock full of powerful, straightforward advice about how to take charge of your financial future. Trust me, you can't afford to miss this book."
- Denise Brosseau: Co-Founder, Forum for Women Entrepreneurs

"ON MY OWN TWO FEET is the financial equivalent of the basic black dress and red handbag in every woman's closet. Choose it early and use it often for maximum positive effects. I mentor many young women, and this book will be one of my recommended financial tools as they build for future professional and personal dreams."
- Betsy Heller Cohen: Vice President & Futurist, Nestle Purina Petcare Company

"If you've got a nagging sense of needing to put your financial life in order but dread facing up to it, ON MY OWN TWO FEET gives you the solid, straightforward advice you need, in a brief and super-efficient manner. This guide is an excellent place to start when you don't know where to begin (and don't even feel like getting going!)"
- Shira Boss: Author of GREEN WITH ENVY: A Whole New Way to Look at Financial (un)Happiness

Product Details

  • File Size: 594 KB
  • Print Length: 183 pages
  • Publisher: Adams Media; First Edition edition (May 1, 2007)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Enabled
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #520,908 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
48 of 49 people found the following review helpful
5.0 out of 5 stars Concise and practical June 8, 2007
By Douglas
Format:Paperback|Verified Purchase
As a financial professional, I have generally been critical of personal finance authors because they struggle to condense their vast knowledge into a book that is readable for the average person. Thakor and Kedar succeed where others have failed. In this book, they manage to cover all of the basic principles of personal finance (savings, credit, insurance, budgeting, investing, retirement, major purchases, taxes and money in relationships) in less than 200 pages. The book flows more like a conversation with a friend than a textbook, which made it an enjoyable and quick read. Also, I was very impressed with the quality of the advice given in this book. The authors stick to tried-and-true principles that are both effective and simple.

I highly recommend this book.
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12 of 12 people found the following review helpful
5.0 out of 5 stars Great start towards financial responsibility June 16, 2010
Format:Paperback|Verified Purchase
Prince Charming is not a financial plan. That's the sentiment echoed by this author who wants women to stop looking for a man to rid them of their financial woes and instead, take charge of their own financial future. Understanding that financial matters can be intimidating to people, but especially women, she quickly gets to the point without bogging the reader down with boring or too complex details.

Below are the different subjects discussed in this book and the kinds of issues discussed with each:

-- Why you should save
-- How much should you save
-- Where you should store your savings

-- What the true cost of credit card debt is
-- Why it's harmful to only making the minimum monthly payment
-- What the common credit card pitfalls are (like having too many cards or thinking your interest rate is set in stone, etc...)
-- Understanding your credit score
-- How your credit score influences your life
-- How to find your credit score
-- What your score is based on and how you can improve it

-- The 3 critical types of insurance you need
-- Suggestions for purchasing insurance
-- Where to buy insurance

-- How to make a budget (there's a great pie chart that shows exactly how to divide up your expenses)
-- What type of expenses you should expect

-- Why you should invest your money
-- How to invest your savings
-- What your investing options are
-- Suggestions on the smartest types of investment you should make
-- Q & A portion (like, "Is it wise to invest in real estate?
Read more ›
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18 of 20 people found the following review helpful
5.0 out of 5 stars "On My Own Two Feet" Authors Know Their Money May 23, 2007
I was lucky enough to meet the authors of this book, Manisha Thakor and Sharon Kedar at a recent retreat at the Woodhull Institute for Ethical Leadership. I was struck by three things: 1) their passion to educate young women about personal finances, 2) their snazzy dress sense, and 3) the fact that THESE WOMEN KNOW THEIR STUFF! Both are amazingly successful in the male-dominated world world of finance, and gave me the instant feeling that I could navigate it too, all I needed was some simple basics. Manisha and Sharon are able to look at money from the perspective of MY generation, the 18-35 year-olds who don't stay in one job forever, and will enter the work force with student loans, MySpace accounts, and only a brief window to start retirement planning. "On My Own Two Feet" handles the current reality of money and finance with pizzazz and spice, and a feeling of support from the "Divas of Finance". If you want to feel more financially secure, and do it soon, pick up this book now! Then send it to your girlfriends, cousins, sisters, mothers...and maybe even a man or two. After all, everyone needs some money help, sometimes!
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10 of 10 people found the following review helpful
5.0 out of 5 stars Buy this book!!! May 31, 2007
I am embarrased to say this, but when I first saw the book I didn't think I needed it. I graduated from college, had some savings in the bank, and was married. I figured that I'd always have enough money, and that I could rely on my husband's financial expertise. Um, no. Not to sound preachy, but as a woman I need to be smarter than that. I have to plan better and prepare to always take care of myself.

Maybe the best part about this book, aside from the advice, is that it's fun and just a great, easy read. The authors don't preach and you know going in that they are just like you. They don't make you feel dumb and the advice is simple and easy to follow. Thankfully I didn't pass the book up. I would've regretted it.
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9 of 9 people found the following review helpful
5.0 out of 5 stars Fun read - great gift May 29, 2007
For some time now I have been struck by the amazing lack of financial acumen that my generation has been blessed with. (I count myself in that category, since despite being educated enough to know better I have made a couple of my own blunders). A few years ago I started looking for books to educate my then pre-teen niece to start her financial life on the right foot. We started with "The Millionaire Next Door", then tried "Millionaire Women Next Door". While she enjoyed both books, they were not written as the practical "how to" guides that I thought someone her age should be looking for.

In the meantime, I have grown to know and manage a cadre of women between the ages of 18 and 30, and increasingly realize the need for common sense financial guides to help smart, motivated women make good decisions. I was told about this book - On My Own Two Feet - and it definitely hits the jackpot. It covers the major topics that need to be addressed (savings, credit cards, insurance), but comes off as fun and collaborative. Financial goals are set that seem realistic and reasonable, not extreme and out of reach. If a young woman follows the advice in this book, she will be in a position to manage her finances for life. At a minimum, she will ask the right questions of herself and her partner when making major decisions.

I have bought several copies of the book as birthday/graduation presents and am eager to see their response. I definitely recommend this book.
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Most Recent Customer Reviews
5.0 out of 5 stars Five Stars
Modern girls need to read this!
Published 12 days ago by greengirlVA
5.0 out of 5 stars Not just for Women!
I highly recommend this book! It's easy to understand, to the point, and leaves out all the confusing bias. Read more
Published 2 months ago by Amberlc
5.0 out of 5 stars I highly recommend.
This book is a "must have" for all women starting out, continuing on their own or starting over. Read more
Published 5 months ago by Mary Pajak
5.0 out of 5 stars good book
This is a very good book, especially for young adults just starting out. I do highly recommend this if you are looking for something similar.
Published 10 months ago by Sherry L. Peck
5.0 out of 5 stars Accessible, Accurate, Helpful.
As a recent college grad in my early twenties, this book was the perfect "Personal Finance 101" crash course for me. Read more
Published 15 months ago by Kristen Healy
3.0 out of 5 stars Mixed bag
The authors communicate well, and the book's format is approachable (with the exception of the green callout text, which I find hard to read). Read more
Published 16 months ago by Quidditi
5.0 out of 5 stars Great advice, easy read, I'd buy it again
I give this book to people! So much practical advice I wish I'd had earlier in my life! I may have to buy it again, since my original copy hasn't been returned to me.
Published 18 months ago by BBR
5.0 out of 5 stars Gave it to my college age daughter
I bought this book at the advice of a friend- I have a young adult son and daughter and hope they'll both read it. Read more
Published 19 months ago by Anne B Gass
5.0 out of 5 stars Awesome
This book was really great and helped me understand a lot more about finances than I did before. It's an easy read but doesn't make you feel silly for not knowing the things being... Read more
Published 20 months ago by Hannah B.
3.0 out of 5 stars For beginners...
This is good for someone just starting to get their head into finances... It's very basic and is good with explaining basic financial products.
Published 20 months ago by Vanessa Gatelein
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