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When we decide to plan our escape out of the limbo of too much debt, sometimes we can’t do it ourselves.\
We need a guide. Someone who’s been where we are now.
Books can be those guides.
When we’ve lost our way, the right one at the right time can be like manna from heaven. If you need a guide out of financial hell, head over to audible.com.
The following are eight books you can find there that will lead you down the path that leads to greater financial freedom.
Since the nineties, Your Money or Your Life has been the catalyst for hundreds of thousands of readers to get off the never-ending treadmill of meaningless materialism giving them space to create a life they never dreamed possible.
The book came about when Joe Dominguez, who did financially well for himself as an analyst on Wall St., founded the New Road Map Foundation with Vicki Robin. When Joe retired from Wall St, he refused to take any money for any of the knowledge he generously offered to the foundation.
In 1992, the book skyrocketed to the top of the New York Times bestsellers’ list.
If you follow the nine-step program the author outlines, you’ll learn the difference between making a living and making a life.
The clock is ticking, and the hours of your life are dwindling. Do you want to spend those remaining hours a slave to your paycheck, or do you want to have a life of financial freedom, even if you don’t make as much money as you did before?
This book will help you see how beautiful life can be without crushing debt and the mindless pursuit of more.
Don’t confuse what you do with who you are.
It’s important to know who you are. These are things like beliefs, values, and purpose. Then, you can align who you are with what you do. Job satisfaction increases when the two are aligned.
But if we confuse the two, our self-esteem takes a hit when we feel like we’ve failed. This causes some to push themselves to be a success in the eyes of the world, instead of doing things that are more personally meaningful.
The latest edition covers current topics such as investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about financial matters.
Every once in a while, you find a book that is loaded with information so useful, it immediately inspires you to make a change in your life.
The Simple Dollar is one of those books. If you feel like your financial life is spiraling out of control, read this book. Trent Hamm, the author, is the creator of the ever popular thesimpledollar.com, where he relishes taking the mystery out of personal finance for site visitors.
He turned that site into this book.
It can motivate you to get your financial house in order, blessedly free from the financial disorganization that saps you of passion and vital life energy. What makes this book so relatable is the author tells you how he followed his own advice to get rid of crippling debt so that he could live the life of his dreams.
He has a compelling personal story to tell too.
After his wife had a baby, he and his wife found themselves struggling with runaway debt on a meager income. He started voraciously reading everything he could get his hands on, looking for any guidance to get back in control of his financial life.
He was determined to discover how to make his life work, even on a limited income.
Over only three years, Trent was able to get control over his finances again. And, he quit his unsatisfying job to devote himself to writing full-time.
The Simple Dollar is a riveting account of his journey towards that goal. And now, he wants to share the lessons he learned along the way so that all his followers could benefit. If you’re struggling with debt and living a life that’s not very satisfying, then this is the book for you.
If you follow his advice, you’ll be a master of your financial destiny. This frees you to create the life you always wanted.
The first chapter tells you how to crawl out from under a mountain of debt. The later chapters tell you how you can start living the life you were meant to live. That’s not possible when your finances are in tatters because then, worries about money hang over your head like a dark cloud.
Trent outlines a practical strategy to pay down what you owe. It’s effective as long as you can muster up the discipline to stick to the plan.
And, he gives you the exact method he used to cut out unnecessary expenses.
Trent wants you to understand that you’re not the only one struggling with debt. Others have been there and found their way back to financial stability.
This should inspire hope in those who are struggling.
You’ll learn you how to renegotiate your relationship with money. With his steadfast guidance, you’ll gain control of your finances once more. He makes a compelling argument that his ideas aren’t only about saving having more cash in your piggy bank.
They’re more about getting your financial house in order so you can live a well-balanced and prosperous life. You’re invited ot take the time to consider whether your life is balanced in the areas of family, health, and work.
You’ll learn the importance of setting realistic goals and communicating with your partner openly and honestly. And, you’ll get eminently practical, common sense advice on how to manage your life so that you control your finances instead of your finances controlling you.
I’ve always been fascinated by the Amish.
In 1990, I hopped on a bicycle for a ride across the country. I was fed up with all the rampant materialism I saw around me. Wanting to make a personal statement, I left my materialistic life behind and headed out on the road.
I stopped in Lancaster, PA, on my way to my date with destiny. I was only going to stay there temporarily, and I did, but I was tempted to make my stay in Amish country permanent.
Part of why I was tempted to stay was the Amish that I saw all around me. I wanted to emulate their thriftiness, their connection with the land, and their ability to live simply.
I felt a spiritual affinity with them.
What is it about the Amish that has allowed them not only to survive but thrive in a technological, money-obsessed society growing increasingly complex? This is the intriguing premise of this book.
It gets to the bottom of that mystery and shows the reader how she can use the financial wisdom of this secretive community to better her life. Over the generations, the Amish have created a satisfying life of financial simplicity for themselves.
This book is an eye-opening account of how the community is happy with less, stays out of debt, and doesn’t need to add to their self-worth by trying to impress others. This book isn’t really about money. It’s about a new definition of wealth and prosperity that’s about quality, not quantity.
And, it’ll satisfy your curiosity about what it’s like to live in this fascinating and mysterious culture. Writer Lorilee Craker found out that the Amish have learned how to keep their sanity intact in a world gone bonkers by keeping things simple.
This intrigued her, and she wanted to know more. She discovered the financial habits that keep them sane. And, she adapted these habits so that they could be used by the rest of society to be financially solvent as well as happy.
These are the same habits that will help you to spend less, save more, and build wealth. Every tip that Lorilee offers her readers is simple yet practical.
If you ever wondered what the Amish could possibly offer of value to the rest of society, wonder no more. Lorilee pulls back the veil of their life to show us how they practice their financial virtues on a day-to-day basis.
Each fascinating story illustrates another rock-solid economic principle that we “English” (an Amish term for outsiders) can use. You’ll find so many ways to want less, use less, and spend less.
Without a budget, it’s challenging to stay on top of your finances. If you find it challenging to stick to one, this book will help you master all the principles that’ll make budgeting a breeze.
Budgeting can be a tedious activity.
But, it’s necessary so that your finances don’t careen out of control. Lots of people fail to realize it’s the foundation on which your entire financial success rests.
This book strives to make budgeting more interesting. And in that respect, it succeeds admirably. It also tells you easy ways to turn budgeting into a life-long habit.
If you’re struggling with your finances and burdened with massive credit card debt, The Budgeting Habit will help you create a financial blueprint that’ll get you back on your feet again.
Imagine what it would feel like to be the master of your money and not the other way around.
Once you do this, all the money that the credit card companies are sucking out of you can now be used to fix up the house, take a nice vacation, or sock away into your retirement fund. With financial control, you can celebrate the holidays without stressing out about the massive credit card bill that you’ll get afterward.
And, whopping post-holiday spending hangovers will be a thing of the past!
Many people only see budgeting a pain and a hindrance. They think it’s too limiting, and they’ll have to give up too much freedom. The solution this book gives you is to put into action a simple, step-by-step plan that’ll have you be the master of your financial life in no time.
You’ll learn the essential first steps to creating a realistic budget and what to do if you have more expenses than income.
And the 5 budgeting approaches. The author makes it super easy to figure out which one’s right for you.
Another thing that he tells you is how to stay motivated when you’d rather give up.
Jen Sincero, the author of this book, teaches you how to obliterate every obstacle between you and the income you deserve. Like a speeding rocket with a rendezvous with destiny, this book will launch you far past the stumbling blocks that have kept financial freedom beyond your reach.
Jen draws upon her own transformation from a woman living in a converted garage with a bank balance of zero to a woman who has the freedom to do whatever she wants to do.
She’ll give you all the secrets you need to develop a mindset that doesn’t take “no” for an answer, and only sees solutions where others see problems. She combines funny personal anecdotes with doable ideas that get results.
You’ll learn techniques to uncover what’s holding you back. And in the process, you’ll dump all your doubts and fears into the recycle bin of your mind. And then, press “delete.”
Be ready to relate to money in a new and empowering way as Jen gives you the tools necessary to design a new life where you’re no longer victimized by circumstances.
Financial abundance is a matter of having the right mindset.
Use the concepts in this book to finally get serious about identifying your limiting beliefs around money. If you want a “do-over” of your financial life, this is the book to read.
Ever feel when you read a book that the author is shouting in your ear, forcing you to adopt strategies that don’t make sense for you?
But not with this book. Ruth Soukup isn’t one of those authors. In this eminently practical guide, she gently holds your hand while leading you down the path to a more financially fulfilling life.
Ruth wrote this specifically with women in mind. If you’re a woman and want to get your life organized, but you don’t know where to start, buy this book.
Hopefully, every woman who reads who has ever felt her financial life spiraling out of control can see a glimmer of light at the end of the tunnel. This includes harried moms who suffer the unbearable pressure of trying to keep up with everyone else while, at the same time, keep the spinning disks of her own life from crashing down.
Maybe you feel like Humpty Dumpty tumbling down off the wall, with your life-shattering in a zillion glittering fragments before your very eyes. Ruth Soukup knows what it’s like when your financial life is in shambles.
And she knows that stress is part of this sorry state of affairs. If this describes you to a “T,” use the practical blueprint she gives you to get out of this mess. You’ll learn how to free up more time in your busy schedule by cultivating a few smart habits.
Another thing you’ll know after reading this book is how to stop sabotaging your budget so that you can slash your food bill by half or more. Living Well will do more than improve your financial outlook.
You’ll also pick up some terrific ideas on how to forge more authentic, meaningful relationships. It’s a clarion call for women everywhere to stop comparing themselves to others and summon up the courage to live their dreams and shed the stuff that doesn’t make them happy anymore.
But not this book, because it’ll make you happy!
Some books out there make wild promises.
Books like this tell you that if you drink at the fountain of wisdom that only the author can lead you to, rubies and diamonds and a fat bank account will all be yours. Often, these promises seem too good to be true.
Books like this just turn me off. This book isn’t like that.
It won’t teach you the top ten secrets to financial success.
Instead, it tells you how to get by when your income isn’t much above the poverty level. With the principles outlined in this book, you’ll learn how to survive with what little income you have.
The author hasn’t struck it rich himself, so he can’t give you any tips on how to make a killing on bitcoin. But the wisdom he offers is worth much more than empty promises like that.
It shows you how to handle what one has when what one has isn’t all that much. It’ll also show you, even if you make a six-figure salary, you could be less financially successful than someone who works for you who makes one-quarter of the money you make
And, it’s funny and down-to-earth, written to make his sometimes hard truths more palatable. I particularly enjoyed the discussion on needs versus wants and how to tell the two apart.
Often, we think we need everything when in all actuality, we need very little. I think that the advice in this book is perfect for retirees, who struggle when their income is downsized.
This takes some getting used to when old habits die hard.
For example, I know of people who retired who kept spending money the way they spent it when they were making a work salary. Consequently, these people got into loads of financial trouble.
If they read this book, they could have avoided this painful mistake.
Dave Ramsey is the author of five New York Times bestsellers and has a radio show of 8.5 million listeners. Millennials, in particular, are all too eager to devour his nuggets of wisdom.
Although not everyone likes him, the avuncular guru of personal finance has a popularity that rivals that of some rock stars.
And for good reason. Dave’s advice is always grounded in real-world practicality. He articulates important ideas with elegant simplicity.
This book is no exception. In it, he offers “Seven Baby Steps” to financial success. Like other great personal finance experts, he has a compelling personal narrative. He went from rags to riches and back to rags again.
That lit a fire under him, and he sent out on a journey to find out everything he could about money.
How some people seem to hold onto theirs, while for others, it slips through their fingers like sand. And finally, he learned from his financial mistakes to remain at the top of the success pinnacle.
I loved his recommendation to tackle one credit card bill at a time. Dave calls this the “debt snowball approach.” You make a list of your debts from the smallest to biggest, but don’t include your mortgage. Focus all your efforts on one debt at a time, starting with the biggest.
Once you eliminate one debt, you divert all the money you were paying on that one to the next biggest one.
At each step, the payments get larger. This is a more systematic approach to getting rid of debt, and the beauty of it is that it gives you a greater focus, so you don’t get overwhelmed.
Another fantastic thing about this book is there’s a lot of success stories of people who crawled their way out of debt to financial freedom. This’ll inspire you to make your own escape from the hell of crushing debt. There’s a lot to like in these pages.
If you haven’t had the pleasure of experiencing the powerful words of Dave Ramsey, start with this book.
Some Final Words
If you’re struggling to pay off student loans, have crippling credit card debt, or want more financial freedom, grab one of these books from audible.com.
You can listen on your daily commute to work while working out, or when you’re lying in bed.
Who knows? One of these books could even change your life!