How to Stop Living Paycheck to Paycheck (2nd Edition): A proven path to money mastery in only 15 minutes a week! (Simple Personal Finance Books) (Smart Money Blueprint)

How to Stop Living Paycheck to Paycheck (2nd Edition): A proven path to money mastery in only 15 minutes a week! (Simple Personal Finance Books) (Smart Money Blueprint)

Posted by jack_miller | Published 7 months ago

With 396 ratings

By: Avery Breyer

Purchased At: $14.23 (5 used & new offers)

In this timeless bestseller, you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that'll ruin your financial plans if you let them!)



Find out the most important things that you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners and takes only 15 minutes per week to maintain.

This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all.

You will also be given free lifetime access to the (digital) Money Tracker, a simple tool that makes budget planning quick and easy.

What's new in the second edition:



A brand new chapter has been added on the topic of money and happiness which is key to getting past money blocks that could be contributing to your paycheck-to-paycheck cycle, plus a few minor adjustments were made to the original manuscript.This is one of the budgeting books you NEED in your library. Buy NOW, learn how to make a budget that actually works, and transform your financial life forever!
Since I've been on my get out of debt journey, no longer wanting to be a slave to the lender or live pay check to check, I've read a number of money management books.

What I've found with this one is that, I don't agree with transferring debt to a loan. If you're bad at managing money this is not a great idea. Nor do I believe in using credit cards for points, if I'm living check to check, nine times out of ten I'm not managing my cards appropriately.

I will say, I did learn some things; however, overall I simply did not like this book.

- rodrigo_gonzales

I would imagine this is a great book for certain kinds of people. The problem is that the information and the tips in this book are geared towards the lowest common denominator. If you have no or next to no previous financial education then this is probably an excellent book for you to start with. If you already understand the basics of budgeting, and what a budget is, then it might not be worth your while to read through this entire book.
There are a few small things I got out of the book, here and there. But ultimately I could tell that I wasn’t the target demographic for this book. I also didn’t like the last chapter where the author kind of broached the idea of “money scripts” but then didn’t mention what a money script was or how it impacts one’s ability to budget and save money. It either shouldn’t have been included or should have been written differently.
If the idea of budgeting is foreign to you, if you’ve never tried it before, if you’ve never taken any accounting or finance classes, this book will probably help you elevate your game a thousand. But if you’ve had even an elementary financial background and are having problems budgeting for reasons other than you go to happy hour every day, then you’ll probably be better off with another book.
This book spends a lot of time essentially saying “be honest and transparent with yourself about where you spend your money and why you do it. Then plan to do better.” It’s a worthwhile message for everyone, but this book isn’t just for anyone.

- blakely_edwards

I have read, I mean, *cough!* I have TRIED to read a lot of budgeting books.This is not my area of interest so, although I am an avid reader, those topics are very difficult for me to get through in spite of my great intentions. -This book was very reader friendly and I might actually say that I enjoyed it. It filled me with hope and actionable steps.I downloaded her Excel sheet and have been using it faithfully. There is hope. I CAN do this :)

- kole_reyes

Very basic tips for making a budget & reducing expenses. Nothing you can't find elsewhere for free. Written in a personable manner, though.

- zachary_williams

I dislike the word "budget." I get an instant bellyache the moment I read it. Yes, even when I write it. Avery Breyer says early on this book, essentially, "grin and bear it." It's a bit of tough love. All of us have to do things we dislike. That's why it's good to get help from people who seem to actually enjoy these things. Mr. Breyer seems to enjoy budgeting, and she manages to convey her positive attitude in the pages of this book. Though much of the book is tied to the use of a software program, the software is free, so grin and bear it. The financial program she proposes here is front loaded: you will have to do some work to set up, but once you have the program going, you will only have to spend a short time tracking your numbers every week. Ms. Breyer manages to keep the tone positive and lighthearted, even as she warns you you're getting to the tedious part. There's no getting around it: some of this is work. Ms. Breyer's voice is as much of a benefit as the ideas she presents. If you're going to grab your financial bull by the horns, you might as well do it with the help of a funny friend.

- orion_king

I really liked the author's friendly, common sense advice on personal finance. I do know how to budget, but I've had a lot of setbacks lately and this book helped put things into prospective. A lot of her tips are things I've already done like cutting out cable and making do with my five-year-old computer and three-year-old smartphone. I also have a chair that my cat clawed up, but I'm still using it and covering it with an animal print throw. I have to use the notebook and pen method instead of the spreadsheet that was offered because my old laptop didn't download it. I may go to the library and see if I can download it and the other free material there. Speaking of which, you can take out books you want to read and movies and CDs for free. And there are lots of websites that offer free and reduced price books for your Kindle (or in my case, the Kindle app for my phone).
I liked the quotations in the book--those were inspirational. And I liked the author's approach--it was like talking to a friend who's good with money advice. Hopefully, this will help me have fewer setbacks. I'm keeping it on my Kindle app for a while so I can refer back to it.

- jayda_ward

Really enjoyed reading this book. A lot of really well thought out plans to get my financial life back in control. I am still using the free spreasheet template that comes with it.

I will recommend this for anyone in need of a total understanding of how to manage money on a day-to-day basis. Specially if you are as lazy as I was when it came to keeping track of that $10, $12.27, $23.44 purchases that slips in and then at the end of the month, I am like...whoa! Where did my money go!?

The most improtant thing I learnd from this book? Make it a habit to log your in's and out's. The formlas and the format in the spreasheet is a little hard to understand the first half dozen time, but trust me, once you get it, it will stay with you for a long time. Unless you become filthy rich and can hire an accounting firm to manage your money...:-)

- kaliyah_price

Las enseñanzas son bastante evidentes y hasta obvias, sin embargo es un buen recordatorio para ayudar a la gente a ahorrar. No hay secreto para hacerse rico mas que ahorro e inversión y las recomendaciones aquí escritas dicen justamente eso.

La herramienta excel descargable que ofrece el texto es un excelente punto de partida para que cada lector cree su propia herramienta para control presupuestal a su medida.

El texto está narrado con un tono bastante "simplista", cosa que no me molesta pero habrá quienes lo consideren hasta ridículo.

No va a aportar nada nuevo, sólo tengamos en mente que este libro es un recordatorio sencillo sobre las buenas prácticas que permitirán que la gente ahorre.

- kye_morales

Das wichtigste an dem Buch ist eine Excel Tabelle, die man sich auf den eigenen Rechner runterladen kann. Damit kann man sein Monatsbudget planen und sehen in welchen Bereichen zu viel Geld ausgegeben wird. Die Tipps zum Geldsparen und Geld dazuverdienen sind sehr interessant und stimmen nachdenklich, obwohl einiges so in Deutschland nicht umzusetzen ist.

- darian_taylor

I think this book is written for anyone to follow and improve their home finances. I can’t believe I spent years thinking budgeting was impossible. Thank you for simplifying it for me.

- noemi_evans

Good book and easy read,a lot of tips and suggestions on budgeting and a lot of information and websites of others.

- josue_flores

Customers Also Bought