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The Money Book for Freelancers, Part-Timers, and the Self-Employed: The Only Personal Finance System for People with Not-So-Regular Jobs Paperback – March 2, 2010
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"The Money Book" is an indispensable survival guide that belongs on the desk of every independent worker who is willing do whatever it takes to achieve success.
— Pittsburgh Post-Gazette
“Through trial and error, veteran freelancers D'Agnese and Kiernan worked out a money-management system that allowed them to save for emergencies and retirement, pay off debt, buy benefits, cover their taxes and survive the droughts in business that seem an inevitable part of working for yourself.
They convey all this in a book that's irreverent and hugely entertaining.”
“Developed from the personal experiences of the authors, this book is fun and relevant, with no other recent work quite comparable. Recommended for anyone who is self-employed now or is facing a new work-life situation.”
About the Author
Denise Kiernan has written for The New York Times, The Wall Street Journal, The Village Voice, Saveur, Discover, Ms., New York Daily News, and many other publications. She was head writer of ABC's "Who Wants to be a Millionaire" during its Emmy award-winning first season, and is the author of a number of books for adults and children.
Top Customer Reviews
It's a nice little book, compactly throwing in nearly every lesson I would want my clients to have as a foundation. It talks about fixed monthly expenditures and how to get more aware of the monthly discretionary expenditures. It talks about the need to address savings AND debt repayment at the same time while keeping in mind that quarterlies are a fact of life. It talks about basic tried and true budgeting methods like using the envelope method but updates it to the 21st century with references to Get Rich Slowly, mvelopes.com, mint.com, irs.gov and online banks.
The strength of this book is that there is no hook. It's just the plain unvarnished truth laid out in a well-written readable fashion. You have to set up your finances as a self-employed person in essentially this way, with very little variation possible. Essentially, if you are not already doing this then you're doing it wrong. This book could serve as mandatory financial literacy for anyone who has a variable cash flow. As such, it could be enormously important to someone who hasn't figured this all out yet... like, say, anyone in business who doesn't happen to already be a financial advisor themselves.
I could find a few things to add to this, but nothing to take away. And the things I could add are things that a reasonable editor might cut for brevity or to keep me from sounding too insane a Doomster. But that's okay, this means that I can still add value to my clients even AFTER they've read the core of my teachings that this book neatly lays out.
Even if you are drowning in debt or simply trying to eat less in order to afford health insurance this book, written from the perspective of two freelance writers and authors who for years have practiced what they preach, offers hope. Hope that we can make ends meet even when clients are late paying us, we can survive on part time or permalancing(contract-based) income. I like that the authors let our checking account be referred to as our Spending account and all we need to commit to saving is a mere 10 % (divided three ways to an emergency account, retirement and a cushion for when the tax man comes calling.)The authors also help us to draw the line between our wants vs. needs and encourage us to put our goals and dreams into action even while we are still paying off our credit card debts.
With useful tips sprinkled throughout and detailed charts and lists this book is resourceful and encouraging to anyone wondering if they can do what they love, make a comfortable living and still plan for their future. I highly recommend this book!
How I wish this book had been available when I started my own business 11 years ago! Mr. D'Agnese and Ms. Kiernan lay out a step by step plan to keep the entrepreneur fiscally fit. While most financial books are written for the person with a regular paycheck, this book gives those of us with irregular incomes a plan of action for saving money, getting and staying out of debt,realizing dreams, and keeping our businesses (and lives) financially sound.
Anyone who is in business for themselves long enough knows that the joy of being your own boss also comes with the burden of being completely responsible for generating the paycheck. When the cash is flowing - life is great! When it's not (and there are always times when it's not) life is terrifying, stressful, and not at all what you dreamed being self employed would be like. The beauty of the plan in this book is that it works with your cash flow! If you put it to work right now, you'll be ready for those lean times because you'll have the money to get through them. I've learned it's not how much money you make - it's how much you keep. The Money Book shows you the best way to start keeping more of your money. And...It's chock full of financial resources you may have never heard of that can help you grow the money you do make!
If I had read this book 11 years ago I might have saved myself a lot of heartache and sleepless nights.Read more ›
The book is in a very conversational and easy to understand format, not full of jargon and eye-glazing financial terms that other self-help books use, making this perfect for folks like me who want to better their situation without spending a lot of time on it.
Being freelancers themselves, the authors understand how mind-numbing a lot of these subjects can be, but offer simple solutions that are easy to begin TODAY so you can be on your path to financial stability with an unstable paycheck, no waiting. You can start the process as you read the book and develop better habits without radical life changes.
Would recommend for anyone in the freelancing world, from novices to pros who might just need a few reminders of how to manage their time and money for a better future.
Most Recent Customer Reviews
Love it. It's like GTD for your money. Must read. It's actionable and makes sense. Wish I'd read it sooner.Published 4 months ago by Quang Van
Awesome info. Super informative. Super laid out. This is super super super super super super super super super great, man.Published 10 months ago by Emily
I found this book in a library while traveling. I few chapters and knew instantly that I had to buy it. Read morePublished 11 months ago by Panda
I liked this book a lot and it was helpful - but it makes some assumptions:
1) The reader is already freelancing/part-time... Read more
Great book, a must have if you need to get a definitive plan and understanding of how to manage and save your irregular income.Published 15 months ago by Ruby
This book isn't terrible, but it's designed for total novices. And it doesn't give enough info to be your only reference. Read morePublished 20 months ago by Sam Lord
Best book I've read for how to handle money if your self employed.Published 20 months ago by Mark Windmiller