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Arese Ugwu

The Smart Money Woman: An African girl's journey to financial freedom Paperback – February 6, 2020

by Arese Ugwu (Author)

437 ratings

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The smart money woman is a fictional story set in Lagos, Nigeria with lots of important in personal finance lessons to teach. It tells the story of an African girl named Zuri who on the outside looks like she's financially successful but goes through a series of mishaps that help her realize she is in fact broke and needs to make better financial decisions. We follow Zuri on a journey that starts out with her being broke and navigates her way to building wealth and reaching for financial success.The book tackles, debt, spending, investing, the consumerist culture of the African middle class, the fear and misconceptions surrounding money and the lack of it, love, friendships, cultural and societal pressures and the role they play in success.

Print length

222 pages
Language

English
Publication date

February 6, 2020
Dimensions

5.5 x 0.56 x 8.5 inches
ISBN-13

979-8605197270
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Product details

ASIN ‏ : ‎ B08SB8L7ST
Publisher ‏ : ‎ Independently published (February 6, 2020)
Language ‏ : ‎ English
Paperback ‏ : ‎ 222 pages
ISBN-13 ‏ : ‎ 979-8605197270
Item Weight ‏ : ‎ 10.2 ounces
Dimensions ‏ : ‎ 5.5 x 0.56 x 8.5 inches

Best Sellers Rank: #425,332 in Books (See Top 100 in Books)
- #293 in Education Funding (Books)
- #15,167 in Contemporary Women Fiction

Customer Reviews:
437 ratings

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Customer reviews

4.8 out of 5

437 global ratings

5 star		86%
4 star		9%
3 star		3%
2 star		1%
1 star		1%

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Top reviews from the United States

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Sophia

A pack of very applicable knowledge presented by a grounded writer

Reviewed in the United States 🇺🇸 on September 2, 2022

Nothing

Reviewed in the United States 🇺🇸 on April 3, 2022

Verified Purchase

This is a book to gift every 18 year old who is leaving for college/ university. Great exercises and very practical advice.

One person found this helpful

Helpful

L'Amour

A must Read!

Reviewed in the United States 🇺🇸 on January 9, 2019

Verified Purchase

I was curious to see an African perspective on money management. Arese Ugwu delivered 100% with a mix of a typical African society (Nigeria). As a matter of fact, i fell in love with Nigeria (Cameroonian here) even more with an extra love for the continent, seeing how individuals are defying the odds to foster business and economic growth like Tara of House of Tara, she leads Africa etc.

Wished I had read this book 5years ago when i moved to the US or 3 years ago when i joined CorpAm. 2 years ago I decided to understand the game of money (still on my goal), plus there's been so much to learn on how entangled we can get and easily become slaves to credit card debts. We are raised to believe money is the root of all evil (sighs), chasing money is bad and not helping others in need is wickedness...While reading I couldn't help but wonder why most Africans (Blacks in general) and other minorities spend so much on designer items, while the Caucasians invest in real deals (real estates, stocks, retirement, etc). Truth is the system is built for us to remain down as we classify looking good and flashing for wealth (all stated in the book).

Its never too late to make necessary adjustments, save more, invest and forego things which add little or no value to us...i love my little luxuries, but know when soaked garri has to be my best friend, haha.

Great work Arese, you are an inspiration.

20 people found this helpful

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La’Tonia

GIRLSSSSSSS TAKE NOTES

Reviewed in the United States 🇺🇸 on November 18, 2021

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Every girl needs this book. The lessons are so relatable, honest, and it opens your mind to challenge behaviors such as shopping addiction. I believe every teenage girl should read this because financial literacy should be taught from an early age. BUY THIS BOOK AND THE SEQUEL TO IT!!!!! You won’t regret it.

2 people found this helpful

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Crystal

Amazing

Reviewed in the United States 🇺🇸 on November 4, 2021

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This was a great read!!! Phenomenal finance tips and highlighted some amazing places and brands in Nigeria! I loved that part! Definitely purchase this book!

Reviewed in the United States 🇺🇸 on October 22, 2021

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A must read. I really enjoyed how this book flowed and was easy to follow. Great for hungry businesslike minds also.

Reviewed in the United States 🇺🇸 on August 16, 2016

Verified Purchase

This was a nice quick read. I love the mix of the fiction with real hard truths about financial freedom.
It has taken a lot of the big scary words & aura of finance and presented it in a way that is more approachable & digestible.
I would recommend this to every woman out there esp those just starting college because at that stage they haven't learned too many bad spending habits or (hopefully) gotten themselves in a financial hole.

Lots of great actionable tips to take away from this book too. It's an easy fun read with a lot of impact that could change your life for the better. It may not make you the next Warren Buffet but it certainly can help you eliminate worries about financial freedom & peace of mind.
Proud to see a generation of African women rising to make their voice heard & making positive change in their own way.

10 people found this helpful

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Nden

Lots of important financial information.

Reviewed in the United States 🇺🇸 on November 22, 2021

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I think providing the financial definitions was really essential information.

One person found this helpful

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Top reviews from other countries

ChiflexTWG

I am Inspired!!! I Highly Recommend This Book!!!

Reviewed in the United Kingdom 🇬🇧 on September 14, 2017

Verified Purchase

This book is FANTASTIC!!! It breaks down financial tips in a way that any literate layperson (especially those like me who usually see financial language as 'Latin') who takes the time to read them would easily understand. It highlights the dangers of giving in to instant gratification and impulsive spending, and most importantly stresses on the importance of having a savings culture (whilst dividing your income into long term goals, short term goals and living expenses) and living within one's means, while taking reasonable, active and conscious steps to attain the lifestyle that one desires. It also delves into areas that go beyond finance like discovering and fulfilling one's purpose in life and finding ways to create value for oneself by solving specific problems for others, as well as the importance of having relationships (marital and otherwise) that reflect your way of thinking and where you aspire to get to in life (Reminds me of Amos 3:3 and Proverbs 27:17).
This book additionally took me down memory lane by its mention of a few places in Benin, having schooled in Edo State and been to Benin on countless occasions. I also like how she directly and indirectly raised a glass to several Nigerians (especially women) who have achieved and continue to achieve great things in their respective industries like Tara Fela Durotoye, Betty Irabor, Nimi Akinkugbe, Mo Abudu, Chef Fregz, Bolanle Austin-Peters to mention a few. This is a book that encourages its readers to reach for their dreams in a practical, sensible and well planned out manner. It encourages one to maximize one's earning power by utilizing ones skill-sets, passions, talents, interests etc. and it does all of the above in a simple and intelligent fictional story telling manner about Zuri and her friends that makes it more relatable to the reader. The author's intelligence, smartness, knowledgeability, and style (I must add) are very evident in this book and I give her 2 thumbs up for this wonderful book that has set me on a serious path to achieving personal financial growth and freedom. By God's grace and by my utilization of same, as well as my application of the lessons in this book, I am on my way to becoming a Smart Money Woman!!!
PS: I was looking forward to seeing a glossary at the end of this great book to aid foreign readers in their understanding of particular Nigerian terms/phrases used in the book. Perhaps this is something the writer could consider in reprints of the book.

9 people found this helpful

Nwamaka Umeweni

A must read!

Reviewed in the United Kingdom 🇬🇧 on August 26, 2016

Verified Purchase

This book actually got me thinking about my life. It wasn't necessarily the story about the girls that kept me going, but the messages, advice and tips on understanding and managing your finances. I have known for a while that something was wrong with the way I handle my finances. I thought the problem was simply overspending and buying things I don't need, but I did not understand that it was beyond overspending. Halfway through the book, I started understanding what I wanted the money I earn to do for me. I was inspired enough to actually create a spreadsheet to assess my finances, particularly my spending habits. What I discovered on that spreadsheet shocked me to my bones and was a wake-up call. I'm really glad I bought this book and I am now inspired to take charge of my finances. The book is probably not for everybody, but it sure did speak to me.

17 people found this helpful

Pauline

Simple read, clear teaching on basics of net worth, financial goals and road to financial freedom.

Reviewed in the United Kingdom 🇬🇧 on January 9, 2022

Verified Purchase

The step by step guide through story of Zuri and her friends teaches about how women need to learn about financial worthy, setting up financial goals and working to achieve them. Breaks down some culture myths on money and guides one through process of controlling your finances to get out of debt to the point of being able to invest.

Miss Lawal

A must read if you need a reality finance check or can relate to being a young woman in 2017!

Reviewed in the United Kingdom 🇬🇧 on March 27, 2017

Verified Purchase

This was such a great read. I'm a British born & raised Nigerian woman (25 years of age) yet I could still relate as I'm not far removed from the African culture!
Pros:
- Written very well in terms of relating it to the current culture of women today.
- It's honest, the topics are raw but put across in such an entertaining manner
- A lessons learned summary at the end of each chapter
- Practical things you can actually do straight away are also put at the end of each chapter.

Cons:
- Probably too short lol! Can we get a part 2
- Perhaps more drama, although there are mild challenges, they seem to skim the surface and get better over a few months. So maybe an emphasis on more disasters.

Going to read the book again and do all the exercises x

One person found this helpful

Kindle Customer

Great insights into combating financial insecurity

Reviewed in the United Kingdom 🇬🇧 on September 1, 2017

Verified Purchase

This book is fantastic because there are many people it can relate too with regards to debt caused by whatever reason and also poor financial decisions. Each page makes one not want to put the book down, it is very inticing and each chapter ends with extremely powerful financial tips which could be incorporated in ones life in order to overcome debt and have a healthier bank account/s and stock/bond/ assets portfolio.
I hope Arese Ugwu creates more books like this. I would look forward to reading them. I highly recommend purchasing this book.

One person found this helpful

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