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Overcoming Underearning(R): A Five-Step Plan to a Richer Life Paperback – November 20, 2007
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About the Author
Barbara Stanny, the leading authority on women and money, is a popular motivational speaker, financial educator, former journalist, and career counselor. She is the author of Prince Charming Isn't Coming: How Women Get Smart About Money and Secrets of Six-Figure Women. She lives in Washington state.
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Top customer reviews
Page 73: Creating A Money Autobiography
Page 77: Problem Indicator Checklist
Pages 104-105: Decoding Resistance
Page 168: Chapter Three on ensuring success
Page 129: An Exercise on Inputting Community, pages 125-128 touch on building a community of support (which I reluctantly and humbly admit that I need to do so).
This is the first self-improvement book I’ve read that’s making noticeable changes in my life. The reason it’s effective is because it forces the committed reader to examine her beliefs and attitudes about money with exercises throughout each chapter. (I wrote all over my book, I recommend purchasing it in paperback rather than an electronic copy.)
All of my adult life I have dreamed not so much of money, but Financial Independence, yet that’s all it’s been: A Dream. Wishful thinking missing a Plan of Action, the courage to execute it, and the confidence to value myself and my creative talent.
For the past five years I’ve earned below $12k a year doing jobs that felt “comfortable” and “low key” believing I was better off sticking to work that didn’t challenge or drain my creative energy. I kept telling myself that my husband was the only one who could make “real money” with his IT experience.
I blew through my entire savings just to keep up with practical expenses. My sense of self-worth suffered. I turned a blind eye to my bank account and tuned out my husband whenever he tried to talk about our finances because it was too depressing to face.
Two years ago I decided to pursue my lifelong dream of a career in fiction writing by publishing my first young adult fantasy novel. I was so grateful for the warm response I received from readers and book bloggers that I constantly did giveaways to express my gratitude. I released new titles at a special 99 cent price to “reward” my faithful fans before upping it to the intended price a couple weeks later (after the buzz had died down, along with sales). Not surprisingly, I was operating in the red or just breaking even at the end of 2012 and 2013.
Stanny’s book made me realize I need to start treating writing as a career rather than a hobby. I need to value myself, my talent, my skill, and the work and passion I put into what I do. Books don’t write themselves!
That also means respecting my business hours. I used to allow any little distraction to interrupt my writing time. What I was doing didn’t pay the bills so I let everything else take precedence. Now I’m diligent about my work hours. I didn’t have access to the web, personal email, or social media at any of my day jobs. I couldn’t just take off and run errands. Why wouldn’t I give myself the same respect and dedication I did to an employer?
I opened up a separate business account last month. I put aside 30% of my earnings for taxes and pay myself a modest monthly salary, which I will increase as my earnings do. Whatever’s left is what’s available for cover art, copy editors, marketing, advertisement, blog tours, giveaways, swag, events, and miscellaneous business expenses. No more spending every last cent from my personal account.
What really hit me in Stanny’s book is how small steps lead to big changes.
There’s a quote in the book that says: “Don’t let who you are get in the way of what you might become.”
It’s amazing how so many of the road blocks getting in my way turned out to be myself. I’m ready to step out of the way and charge forward!
I recommend this book to anyone who has ever wanted more out of life.
What are you waiting for?