Automotive Holiday Deals Up to 50% Off Select Books Shop Men's Athletic Shoes Learn more nav_sap_SWP_6M_fly_beacon Train egg_2015 All-New Amazon Fire TV Grooming Deals Gifts Under $50 Find the Best Purina Pro Plan for Your Pet Amazon Gift Card Offer bf15 bf15 bf15 $30 Off Amazon Echo Starting at $49.99 Kindle Black Friday Deals Black Friday Video Game Deals Outdoor Deals on DOTD
The 1-2-3 Money Plan and over one million other books are available for Amazon Kindle. Learn more

Enter your mobile number or email address below and we'll send you a link to download the free Kindle App. Then you can start reading Kindle books on your smartphone, tablet, or computer - no Kindle device required.

  • Apple
  • Android
  • Windows Phone
  • Android

To get the free app, enter your email address or mobile phone number.

  • List Price: $17.99
  • Save: $2.39 (13%)
FREE Shipping on orders over $35.
Only 2 left in stock (more on the way).
Ships from and sold by Gift-wrap available.
The 1-2-3 Money Plan: The... has been added to your Cart
+ $3.99 shipping
Used: Good | Details
Sold by Books Squared
Condition: Used: Good
Comment: Ex-Library Book - will contain Library Markings. Only lightly used. Book has minimal wear to cover and binding. A few pages may have small creases and minimal underlining. Book selection as BIG as Texas.
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See all 2 images

The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart Paperback – May 16, 2009

26 customer reviews

See all 2 formats and editions Hide other formats and editions
New from Used from
"Please retry"
"Please retry"
$3.95 $0.01

Take an Extra 30% Off Any Book
$15.60 FREE Shipping on orders over $35. Only 2 left in stock (more on the way). Ships from and sold by Gift-wrap available.

Frequently Bought Together

  • The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart
  • +
  • Living Rich by Spending Smart: How to Get More of What You Really Want
Total price: $37.29
Buy the selected items together

Special Offers and Product Promotions

  • Take an Extra 30% Off Any Book: Use promo code HOLIDAY30 at checkout to get an extra 30% off any book for a limited time. Excludes Kindle eBooks and Audible Audiobooks. Restrictions apply. Learn more

Editorial Reviews

From the Back Cover

100% Practical, 100% Specific Financial Advice Everyone Can Use: Exactly What to Do and Exactly How to Do It


“Greg Karp makes managing your money as easy as 1-2-3. He offers sensible, time-tested advice to help you make smart decisions and get your finances on track.”

--Liz Pulliam Weston, “The most-read personal finance columnist on the Internet” (Nielsen//NetRatings), author ofEasy Money,Your Credit Score, andDeal with Your Debt


“I love this book. Greg's simple strategies push you to be smart with your dough and act right away.”

--Clark Howard,The Clark Howard Show


“Within one hour of picking upThe 1-2-3 Money Plan, I already had a list of easy next steps to save on several of our household expenses.”

--Stephanie Nelson, founder of


“Greg Karp really knows his stuff, and he lays it out in plain language that will help anyone save money and get financially fit.”

--Jeff Yeager, author ofThe Ultimate Cheapskate's Road Map to True Riches


“The money you spend on this book should easily be recouped by the time you're only several pages into it!”

--Russell Wild, financial advisor, author ofExchange-Traded Funds for Dummies,Bond Investing for Dummies, andIndex Investing for Dummies


“Greg Karp is a lifesaver for people worried about stretching their dollars in a tough economy. He's no Scrooge. Rather, he nudges you into sound decisions and smart spending.”

--Gail MarksJarvis,Chicago Tribunepersonal finance columnist, author ofSaving for Retirement Without Living Like a Pauper or Winning the Lottery


"Today everyone is looking for a quick answer to their financial problems. InThe 1-2-3 Money Plan, Greg Karp has created an excellent resource. It's well organized and full of great ideas. But, most importantly, it's written in a language that the average consumer can understand and apply. Many people will thank Greg for helping them survive financially tough times."

--Gary Foreman, editorThe DollarStretcherWeb site,


“Greg Karp tells it like it is, with the specificity and candor busy people need. I am saving money already.”

--Jean Chatzky, author ofThe Difference: How Anyone Can Prosper in Even the Toughest Times, blogging at


Today, frugal is the name of the game. But you don't have to take a vow of poverty: You just have to be smarter about how you spend, save, and invest. Sound hard? Not anymore. InThe 1-2-3 Money Plan, top personal finance columnist Greg Karp offers 100% practical, 100% specific financial advice everyone can use...organized into simple three-step plans that tell you exactly what to do and how and where to do it! Discover how to save money by putting your bills on autopilot...which specific brand names to buy in everything from index funds to to improve your credit to get the right insurance, without wasting money on unnecessary coverage...easier ways to save for college and plan for retirement...and a whole lot more. Finally: simple, reliable financial advice you can act on, from an award-winning expert you can trust!

  • Don't be paralyzed by perfection: Be good enough
    Better a good decision now than a perfect decision someday
  • Just set it and forget it
    Make the financial decisions you only need to make once and can then ignore for years
  • Stop wasting money on things you don't care about
    Plug wasteful spending leaks, so you can redirect cash to things you truly care about
  • Easy step-by-step techniques and specific recommendations
    What to buy, in everything from mutual funds to cellphone service

About the Author

Gregory Karp is an author and journalist of 20 years. His national newspaper column, “Spending Smart,” is published in papers that together have millions of readers. The weekly column appears in the Chicago Tribune, Baltimore Sun, Hartford Courant, Orlando Sentinel, Allentown Morning Call, and others. The column has three times won a Best Column Award from the Society of American Business Editors and Writers.


He is also author of Living Rich by Spending Smart: How to Get More of What You Really Want.


Greg’s advice on spending money smarter has appeared in national magazines, such as Newsweek and SmartMoney; television broadcasts, such as WCBS in New York, WSB in Atlanta, and WPVI in Philadelphia, and literally dozens of newspapers nationwide, from the Los Angeles Times to Newsday in New York.


He maintains a Web site at and blog at Greg lives near Philadelphia with his wife and two sons.

See all Editorial Reviews

Hero Quick Promo
Holiday Deals in Kindle Books
Save up to 85% on more than 1,000 Kindle Books. These deals are valid until November 30, 2015. Learn more

Product Details

  • Paperback: 304 pages
  • Publisher: FT Press; 1 edition (May 16, 2009)
  • Language: English
  • ISBN-10: 0137141734
  • ISBN-13: 978-0137141739
  • Product Dimensions: 5.1 x 0.7 x 8 inches
  • Shipping Weight: 11.2 ounces (View shipping rates and policies)
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (26 customer reviews)
  • Amazon Best Sellers Rank: #1,204,946 in Books (See Top 100 in Books)

More About the Author

Discover books, learn about writers, read author blogs, and more.

Customer Reviews

Most Helpful Customer Reviews

Format: Paperback
Ever think winning the lottery would solve all your problems? Actually, Mr. Karp tells us spending is more important than earning (or winning, in this case), which explains why most lottery winners end up broke. He tells us to spend our money on things that rise in value, like our homes, businesses, mutual funds, etc. As it turns out, most consumer purchases lose value quickly. Take the purchase of a new car, for instance. On the average, a new car depreciates 30% the first year. If you buy a $30,000 car and sell it after a year, that's a loss of $9,000.00.

The Get FIT chapter tells us how to save money in Food, Insurance and Telephone expenses. The FIT category consumes $14,000.00 per year of the average American family's budget. That's a chunk, isn't it? This chapter is packed with solid, easy-to-make changes which should result in savings of thousands of dollars in these three categories alone. Here are just a few of the many suggestions:

*Shop the sales - stock up when things are on sale. You will save about 20% of your annual food spending. At the average family food expense of $7,000.00 per year, you will save $1400.00 per year.
*Try supermarket store brands.
*Redeem coupons.
*Reduce meals out.
*Make your own freezer meals. There are some great books to help you with this, including mine . . . Lunch Buddies: Buddy Up for a Better Diet.

*Raise deductibles.
*Say no to extended warranties.
*Say no to identity theft insurance.

*Cancel your traditional landline phone service.
*Research, review and re-evaluate your cell phone, computer and television packages.

If you're like me, you probably can't account for how your money gets spent. Well, guess what?
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
7 of 7 people found the following review helpful By James R. Holland VINE VOICE on June 18, 2009
Format: Paperback
Reading and applying the common sense advice in this book will save a person at least a small fortune over their lifetime. This is so well written that it's almost impossible not to understand its many practical, common sense lessons.
The book is divided into three major sections "Spending Smart Today," "Spending Smart Yesterday" and "Spending Smart Tomorrow." "Spending Smart" today is talking about current everyday expenses. "Spending Smart Yesterday" is about paying off debt for purchases made in the past. "Spending smart tomorrow" is about saving and investing for future spending. It's about overcoming the human hardwired instinct to consume immediately. It's as simple as one, two, three. And everyone can count to at least three. Therefore anyone should be able to apply at least some of this information to making his or her own lives easier and much, much less stressful. It also tells its readers how to become solvent instead of being broke all the time. It's the kind of advice that your grandparents provided if they had lived through the Great Depression. "Waste not, want not." "Don't buy it if you don't have the money to pay for it." There is no free lunch."
The author uses the metaphor of a Global Positioning System navigator for this book. This book is a GPS system for "smart spending" and avoiding "dumb spending." He points out that most people simply want to be told what to do and then they make up their own minds about whether to do it or not, but mostly they just do it. Therefore much of the advice in this book doesn't examine every piece of advice from a dozen different angles, the author just points to a time-honored and proven piece of advice and says, "Do this, and everything will be fine and you will be happy.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
6 of 6 people found the following review helpful By RAYT721 on October 12, 2009
Format: Paperback
You're not going to find anything new here that you haven't heard or read before but the simplicity (easy as 1-2-3) of this book can help to reinforce your need to save money wisely, spend money wisely and invest money wisely. This isn't the best book that I've ever read on personal finance but it's easy to read, informative, and might just help with your wealth building. Just remember that reading alone won't help you achieve your goals. You'll have to plan your future with realistic and measureable goals. This book is great for the beginning steps of wanting a debt-free life. Invest in yourself before you invest in other vehicles. Stop dreaming and start doing!!!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
6 of 7 people found the following review helpful By Jen Scott on January 9, 2010
Format: Paperback
I am no financial whiz, but I watch a few personal finance shows and read money-saving advice articles in any magazine I can get my hands on, and this book did not cover anything that I had not already learned there. Perhaps the title should have given it away, but this really is the "1,2,3," or " A,B,C" book of financial advice in that it is just the basics. "Introducing" readers to saving for an emergency, using online coupon codes, or finding ways to save money like drinking water instead of soda at restaurants is nothing new ... most of us have heard all of that a hundred times, I'm afraid. I did not take much away from this book except an additional way to stop unwanted junk mail that I was not aware of. It was quite dull and the author used boring examples from his life (e.g. 'my wife and I rented a season of "The Shield"!') . It seemed to me as if it was a way to fill the word count he needed to meet. Not exactly what I was hoping for from a financial "advice" book since I didn't gain much advisement and the author simply rehashes other people's advice.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse

Most Recent Customer Reviews

Set up an Amazon Giveaway

Amazon Giveaway allows you to run promotional giveaways in order to create buzz, reward your audience, and attract new followers and customers. Learn more
The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart
This item: The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart
Price: $15.60
Ships from and sold by

What Other Items Do Customers Buy After Viewing This Item?

Want to discover more products? Check out this page to see more: fast money