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Living The Savvy Life: The Savvy Woman's Guide to Smart Spending and Rich Living Paperback – January 11, 2011
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So many books on how to manage your finances are so technical and, well, just boring! Not Living the Savvy Life: The Savvy Woman's Guide to Smart Spending and Rich Living by Melissa Tosetti and Kevin Gibbons! Melissa actually puts money management into words women can relate to...like "wardrobe", "beauty", "food", "entertainment" and "home". I mean come on, what woman doesn't want to manage her money better so she feels free to invest in a beautiful, functional wardrobe or a well-designed home. Ok, so maybe you're not into fashion (though I think anyone reading this blog is). Some women aren't. But that is what is so great about this book. It teaches you how to save on areas that aren't as important to you so that you have more money to spend where it matters.
Maybe you are perfectly happy with a minimal wardrobe and pared down interior but are a food loving world explorer who wants to try every cuisine in the country or region it is indigenous to (really cool idea actually). You can do it! All it takes is saying no to what's not important so you can say yes to what is. Living the Savvy Life will help you put it all into perspective and show you how to discover your personal passions and financial priorities...there is an entire chapter entitled "What is Important to You" that includes a questionnaire for each basic area of your life. By taking some time and answering this questionnaire in full, honest detail you can determine exactly what is most important to you (not to your friends, not to society) at this time in your life. Once you know what is important to you, you can better decide how to spend your money.
The authors of LTSL know that the first step to being savvy is being organized. You will be aided in organizing your closet and pantry and will be given practical tips on setting up systems so you know what you have at all times. How to set up a bill paying system, checking account management system and manage credit card debt are all covered and of course, it wouldn't be a book on savvyness if it didn't include that little well-known concept of "pay yourself first" (retirement funds and savings accounts ladies!). And if you just really do want more information on how to grow your hedge fund, well, that's not actually covered by the authors but they tell you where to find sources that do cover such in-depth subjects in the "Favorite Resources" section! --Bobbie Michelle Harman, of Euro Chic http://eurochic.wordpress.com/2010/12/09/living-the-savvy-life/
From the Author
The average personal savings rate in the U.S. over the last 10 years was 1.7%. The average American family has an estimated $8,600 worth of unpaid credit card debt. They need guidelines for making the difficult financial decisions that impact their overall lives. Living the Savvy Life provides those guidelines.
Living the Savvy Life advocates spending on the things that are important to you and saving on the things that are not as important, rather than simply cutting back everywhere.
Living the Savvy Life recognizes that personal financial management involves balancing all the different aspects of your life and provides concrete, easy-to-implement advice for how to improve your overall financial health.
Living the Savvy Life provides habits and routines that are easy to start, easy to maintain and make managing your finances effortless.
Living the Savvy Life helps you design your own savvy life based on the philosophy of saving on the things that are not as important to you so you can afford to spend on the things that are important to you.
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Top Customer Reviews
Her book is full of references, equations and lists that make for easy to follow advice. I loved the information provided on pages 174-175 about financial rules to follow in order to prosper (I have been looking for those equations for a long time). Each of the main chapters that focus on certain life subjects (ie: Home, Food, Money,Beauty,etc) has a Top 10 List recap of the chapter. I took a lot of interest in the chapters on "Food" and "Money". I am now putting forth the effort to look at recipes, list exactly what I need to make those recipes and then go grocery shopping. I know this is going to help us keep our grocery bill down and it will keep me organized with meal planning.
Another tip I am employing is keeping a "Spending Book". I am constantly seeing things I would like to purchase. My old self would have thought nothing of throwing it in the cart (real or virtual) and "buy it now"-even if that had meant charging it. By using a "spending book", this means saving and planning ahead for purchases and/or emergencies. Keeping a list of things I want or need close at hand, will help me to control my spending and not make frivolous purchases I will regret later. OH! And did you know about Ebates? I sure didn't and it kills me to think about how much money I lost on such ignorance.
All in all, this is going to be one book that doesn't rest on the bookshelf too long. I will be repeatedly reaching for it and referring to it for its fine, simple, non-preachy advice.
I did enjoy her take on avoiding following fads, mindless spending, and spending on things important to you vs. not important. Those tips are a good reminder on how to keep your money in your pocket book, and a good reminder I'm on the right track. My husband and I have already undergone most the changes she suggested, so I was hoping the book offered a bit more.