How to Stop Living Paycheck to Paycheck: A proven path to money mastery in only 15 minutes a week! (Smart Money Blueprint)

Went to the website to get the money tracker. Was not able to find it, and no way to contact for help. I ordered the Companion workbook as I don't use any social media ever. Rob Hayward

Very good book and will change my ways of savings because of this book!

I’m very impressed by this book and the free interactive spreadsheet that is included. There is a google drive version which makes it free & easy for everyone. Tracking your expenses on the first month is a grind but once it’s completed, you’re ready to rock. The ONLY reason I gave it 4 stars, instead of 5, is because it assumes you have no savings and are starting from zero, instead of being suddenly at paycheck to paycheck & trying to fix it before you hit zero. Otherwise, it’s perfect. Also, the author courteously follows up to make sure you’re good-which is super impressive.

When I realized I was living paycheck to paycheck, I knew something needed to change. This book includes a budgeting tool for your computer that is really easy to use and yet not overly simplistic. The author does a really great job helping you understand how to use it. It's all explained. The budget tool was the most helpful part of the book for me, because somehow I'd gotten this far into life without knowing how to keep track of my money. I didn't know how much was coming in or going out. Some of the info in the book was common sense to me, like how to cut expenses or bring in more income or how to not go into debt. But I'm sure the expense tracking portion was common sense to some other readers, so it's good the author included it all. One thing that was frustrating to me is that I am simply not bringing in enough income, but this book wasn't written to help you get a better job or start your own business. Very easy to read (but make sure you do more than just read it)!

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.

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.

If you want to change your life and get ahead of your finances… READ THIS BOOK! Great quality paperback and excellent advice.

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.