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Degunking Your Personal Finances: Free yourself of financial burdens starting TODAY! Paperback – April 20, 2005
The 30 Best Self Help Books
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A great book for anyone who's mystified by money and wants to take control. -- Liz Pulliam Weston, MSN Money Personal Finance Columnist and Bestselling Author of
A treasure chest of sound advice and specific action steps that lead to financial freedom. -- Dick Towner, Executive Director, Good $ense Movement, Willow Creek Community Church, Chicago IL
From the Publisher
Do you worry about having enough money to pay your bills, cover unexpected expenses, provide for the future, or even take a vacation? Do you know how much you spend and where the money goes? Do you have a new car, designer clothes, and a nice apartment, but you think buying real estate is just a pipe dream? Are you uncomfortable with your level of credit card debt? Have you ever listened to the financial management gurus and wanted to get your finances in order but dont know where to start? You dont have to win the lottery to improve your financial status. Degunking Your Personal Finances will give you a simple, proven, 12-step plan to help you get out and stay out of debt. This unique book will help you create a workable and enjoyable lifestyle, and get you to organize your finances, save money, and really put your money to work for you.
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Top customer reviews
A friend gave me this book recently because I've been having some serious difficulties with my personal finances. After a divorce and a move, I'm now a single mom raising a teenage son. My finances are really a mess. I've had to run up my credit cards in the last year as a result of a messy separation and loss of my husband's income, and setting up a household has been really expensive (especially now that we rely on only my income). The author's voice is reassuring and practical - I can see why she's a successful counselor! She's gotten me to take a long hard look at my finances, and I'm on my path to getting out of this financial mess I've found myself in. Chapter 6 is a godsend, "Degunking Your Consumer Debt." This chapter alone is worth the price of the book. The author emphasizes that you'll never degunking your personal finances until you commit to stop adding to your debt. Making that commitment has saved my finances. The rest of the chapter shows how to avoid new types of debt, chart out your debt, set up a way to start paying back debt, and deal with creditors.
Chapter 3 is great too - it shows how to organize your financial life so you know where your money is going. I've always hated creating a budget, which is why I've never had one before. Shannon shows how easy it is to set up a budget and check in on it every other week (which coincides with my pay periods). It's much easier than I thought. And even though my mountain of debt looks really high right now, I'm already feeling better about myself because at least I'm back on a path to financial stability again.
I've also shared this book with my son - who will be heading off to college next year. Having watched me wrestle with my money problems, I know he doesn't want to get into the same mess. This book is a great resource to teach you how to manage your money so that you don't get yourself in over your head. I think it's especially good for women who manage their household's finances, or for teenagers who need to learn about how to manage money.
Why Are My Finances All Gunked Up?; Where Do I Start Degunking My Finances?; Organizing Your Financial Life; Creating a Clear Picture of Your Financial Situation; Degunking Your Credit and Debit Cards; Degunking Your Consumer Debt; Degunking Your Home and Mortgage; Degunking Your Housing and Living Expenses; Degunking Your Savings and Investments; Degunking Your Credit Report; Fine-Tuning Your Budget; Degunking Other Expenses; Degunking Your Taxes, Benefits, and Insurance; Finding Hidden Money; Putting Your Computer and Other Technology to Work; Improving Your Credit Security; Backup and Emergency Planning; Index
All the Degunking titles are set up to have you follow a 12 step program that, if followed, will greatly improve the area being "degunked". In this case, it's your financial affairs. Plate starts out with the very basic first step... set up an area where you can organize all your financial papers. If they're scattered all over the place, the internal resistance and effort is multiplied. Then figure out where you really are with your finances, and start on cleaning up your credit and debit cards. Each additional step builds on that base and works up through the final step. Many of the later steps are ones that you can implement at any time (like implementing a financial security program, backing up financial records, etc.), but it all follows in a logical order. The author also doesn't offer any quick fixes to your problems. It's work to get out from under the pile, but if you structure your approach to doing so, it may not be quite as bad as you thought. And it's definitely not as bad as continuing to go down the same path and finding yourself unable to get credit due to bankruptcies or such...
Degunking Your Personal Finances is a well-written book that's personable and enjoyable to read. The author's personality shines through, and it's easy to follow her steps and suggestions to start cleaning up your life. And even if you think you have everything under control, you'll probably find some things in there that you can implement that will make your good situation even better. A highly recommended read...
It seemed that every scenario that a person could think of was covered, and in a consice style that is so appreciated, since I don't have tons of time to "study" a book.
I found this to be a book that I could live by, from starting out to retiring. Thanks for such a great resource. Tracie Pratt Owosso, Michigan