Money, Money, Money!
The holidays are over, the bills are coming in, and taxes are due in a few months—don’t you love January? To me, the month is all about money.
When I want more information to change my life, I turn to books, and there are zillions of books on how to better manage your money (and I’ve read a bunch of them). Two books are I like best are Your Money or Your Life by former Wall Street Trader Joe Dominguez and Vicki Robin and The Total Money Makeover by radio host Dave Ramsey.
In Your Money or Your Life, Dominguez and Robin opened my eyes to the human cost of money by teaching me to calculate my expenses in what they call “life-energy.” That means a $10 lunch could cost you an hour of work if you earn $10/hr or ten minutes of work if you earn $100/hr. The question is, how hard to you want to work for that lunch? Perhaps you’d rather make a fifty cent peanut butter and jelly sandwich at home?Your call . . . but the book will make you start evaluating spending decisions in a new light, especially if you are a goal-setter.They have a website with additional info at www.newroadmap.org
I’ve purchased two copies of Dave Ramsey’s book The Total Money Makeover to give to my kids as they start out in life. It has the best advice I’ve read on dealing with mountains of debt, sensibly handling money, and my personal favorite—budgeting. (Yeah, my kids roll their eyes, too.) You can get a taste of his advice at www.daveramsey.com Whatever you think about his style, his advice works. I’m also a fan of his book Financial Peace.
Look, I’m convinced that no matter what challenges you face in life, there is an expert who has written a book that can help you.Go to the library.The collective wisdom of the world is waiting.

