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Hot (broke) Messes: How to Have Your Latte and Drink It Too Paperback – May 20, 2010
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That is not to say that there is no value in this book, because there is. Trejos' background as a financial reporter saved Hot (Broke) Messes for me. There is some wonderfully useful information about monitoring your credit score, managing debt, "good" vs. "bad" debt, how to choose insurance, and more. There is also cutting edge information about the new rules and regulations affecting student loans, credit card debt, and car and home loan options. Trejos offers all of this information in a very understandable way and with input from various financial experts. An extensive appendix also offers tables to help you figure out your net worth and set up your own financial plan and goals. It also provides detailed information about topics covered earlier such as taxes, mortgages, and student loans.
Bottom line: follow the big advice Trejos has to offer, but skip the small stuff.
Book source: Free copy from the publisher through the Goodreads First Reads program.
As it turns out, not so much. The authors background is similar to mine in that her parents came to this country to have a better life and lived rather thriftily. The author stopped living her parents cheap lifestyle upon moving away to college and getting her first credit card. As someone who does not own a credit card yet, I can't exactly get myself into the trouble she did.
Most of the tips about how to shop and use various things (cosmetics, clothes, etc.) are tips I already know/ employ. I also already know that with my part-time job I could never afford to eat out a couple of times a week, so budgeting for it would probably put me into debt, not keep me out of it.
The book does have some great tips and advice about a couple of things. It explains 401k's as well as the alternatives for those who are not offered one, along with various other financial tools.
I think this would serve as a great warning to the college students living it up, buying designer brands and lattes everyday when they can't truly afford them. If you, like me managed to avoid that, then you will likely still benefit from the financial advice.
As for figuring out how to afford that latte a day, I think I'll look for another book.
basically, if you need advice about how to avoid painfully expensive shopping/spa rampages through california and avoiding the temptation of going out 7 DAYS A WEEK spending on average 40 DOLLARS PER OUTING then by all means read this book.
there is virtually no applicable advice for the average person and the odds are very unlikely that ms trejos' experience has anything to do with your life.
this book is overall worthless is my estimation and i wouldn't recommend it to anyone because i wouldn't want to admit having read it. the final straw for me was when ms. trejos states towards the end that she has applied the cash advance she received from selling this book towards her credit card debt but she STILL hasn't paid it completely off. it made me feel used that she was so obvious in her book writing aims- she just wants to make money, pure and simple. she doesn't know what she's talking about. she wants to rope you in with a bright pink cover. don't fall for it.