4 Books to Help Shift Your Mindset About Money

Hey y’all!

I don’t know about you but I am all about upping my money game. I haven’t had the best history with money and I was both afraid of it and just didn’t know what to do. I was naïve growing up and just assumed that I would know how to pay bills on my own that was that. BOY WAS I WRONG! I had no clue what I was doing. I got into debt really quickly and with a financial literacy

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Real Money Answers for Every Woman: How to Win the Money Game With or Without a Man by Patrice C. Washington

Now widely available, the popular, award-winning, self-published guide to help women get out of debt, rebuild their credit, and fulfill their financial dreams. Patrice Washington rationalized her excessive spending. “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free–and used the wisdom she gained to start her own successful real estate and mortgage brokerage–and by twenty-nine started her own financial counseling business. Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many–including most African American women–are choosing to stay single. Real Money Answers for Every Woman teaches you how to take responsibility for your financial future, whether you’re just starting out or need a fresh start. In a handy Q & A format, it offers relatable and easy to understand and implement advice on everything from managing credit cards, home ownership, and student loans to affordable childcare and even negotiating for a higher salary. Following Patrice’s practical advice, you’ll learn to form “wealthy” habits, establish an “opportunity fund,” stop collecting STUFF that causes debt, and discover the freedom that comes from feeling financially secure.

I really enjoyed this book. I really love how she includes affirmations in the book as well. It’s awesome! I read her first book, Real Money Answers for College Students and I haven’t looked back since. I’m currently reading her newest book, Redefine Wealth for Yourself. She also has a podcast out with the same title and I think we all, men included, should listen to it.

Rich Dad, Poor Dad: What the Rich Teach Their Kids about Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki

It’s been nearly 25 years since Robert Kiyosaki’s Rich Dad Poor Dad first made waves in the Personal Finance arena. It has since become the #1 Personal Finance book of all time… translated into dozens of languages and sold around the world. Rich Dad Poor Dad is Robert’s story of growing up with two dads — his real father and the father of his best friend, his rich dad — and the ways in which both men shaped his thoughts about money and investing. The book explodes the myth that you need to earn a high income to be rich and explains the difference between working for money and having your money work for you. In the 20th Anniversary Edition of this classic, Robert offers an update on what we’ve seen over the past 20 years related to money, investing, and the global economy. Sidebars throughout the book will take readers “fast forward” — from 1997 to today — as Robert assesses how the principles taught by his rich dad have stood the test of time. In many ways, the messages of Rich Dad Poor Dad, messages that were criticized and challenged two decades ago, are more meaningful, relevant and important today than they were 20 years ago. As always, readers can expect that Robert will be candid, insightful… and continue to rock more than a few boats in his retrospective. Will there be a few surprises? Count on it. This book explodes the myth that you need to earn a high income to become rich, challenges the belief that your house is an asset , shows parents why they can’t rely on the school system to teach their kids about money, defines once and for all an asset and a liability, and teaches you what to teach your kids about money for their future financial success.

I listened to this book on audio by the advice of my therapist and honestly, I will not mind having the workbook because it did offer some good advice. I was just slightly annoyed with it to be honest. But the advice on like investing in real estate was really good. He did write a teens version of this book and I did recommend it to my students.

Broke Millennial: Stop Scraping by and Get Your Financial Life Together by Erin Lowry

Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? This book offers advice on managing student loans without having a full-on panic attack, what to do when you’re out with your crew and can’t afford to split the bill evenly, how to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT!

I’m currently reading this as well on my Kindle. I saw her on a segment of the Rachael Ray show and I just had to have her book! So far this is a great book to have handy. I’ve recently bought her book on investing because I’m interesting in learning to invest my money. I can’t wait to start that one!

Get Good with Money: 10 Steps to Becoming Financially Whole by Tiffany Aliche

Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her ten-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life. Revealing this practical ten-step process for the first time in its entirety, Get Good with Money introduces the powerful concept of building wealth through financial wholeness a realistic, achievable, and energizing alternative to get-rich-quick and over-complicated money management systems. With helpful checklists, worksheets, a tool kit of resources, and advanced advice from experts who Tiffany herself relies on (her “Budgetnista Boosters”), Get Good with Money gets crystal clear on the short-term actions that lead to long-term goals, including: A simple technique to determine your baseline or “noodle budget,” examine and systemize your expenses, and lay out a plan that allows you to say yes to your dreams. An assessment tool that helps you understand whether you have a “don’t make enough” problem or a “spend too much” issue–as well as ways to fix both. Best practices for saving for a rainy day (aka job loss), a big-ticket item (a house, a trip, a car), and money that can be invested for your future.  Detailed advice and action steps for taking charge of your credit score, maximizing bill-paying automation, savings and investing, and calculating your life, disability, and property insurance needs. Ways to protect your beneficiaries’ future, and ensure that your financial wishes will stand the test of time. An invaluable guide to cultivating good financial habits and making your money work for you, Get Good with Money will help you build a solid foundation for your life (and legacy) that’s rich in every way.

I discovered her from a teacher on Instagram named Ashley Bible and she was saying how much she loved her books and how she helped her. I bought her book recently and cannot wait to dive in to this gem.

What other financial books have you’ve enjoyed? I’m always on the lookout because I’m trying my hardest to get better with money!

XOXO,

Nessa D.

2 responses to “4 Books to Help Shift Your Mindset About Money”

  1. This is a great list of recommendations! I already follow Patrice and Tiffany but I haven’t read the books yet. You’ve inspired me to add them to my list.

    Like

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