2024 the best free budgeting software review

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Do you spend on a lot of junk that doesn’t make you happy? Instead of happiness, does money bring anxiety, stress, and debt into your life?
If your savings account is nonexistent and you have no idea where your hard-earned money is going, it’s time to redefine your spending habits. Living alone from the age of 14, I learned how to spend and manage money the hard way. Since my early teenage years, I had to earn my own money – which sometimes barely exceeded $150 for a month. In this book I’m sharing my insights on how to manage even the smallest income to outlast the month, and how to spend smarter on more fulfilling things. This book can help those people working their first jobs, or experienced people that just make poor money decisions. I will highlight the most common money myths, marketing tricks, and irrational beliefs people fall prey for and teach you to avoid them.
Take charge of your money today.
• Scientific research about the psychology of our spending habits. • Learn how to spend less and save more and still enjoy life – regardless of your income. • How to assess value to make the best financial decision. • Map out your spending patterns to know where you need to change.
Like it or not, money is part of everybody’s life. Learn to control it instead of letting it control you.
• The top 5 reasons people spend money. • Why the Six Persuasion Principles by Robert Cialdini get us almost all the time? • Understand online shopping and credit cards. Why are you more willing to spend using these? • Marketing tricks that always get you – deconstructed from subtle to overt. You can turn a blind eye to your financial problems, but they won’t disappear. Learn about the best personal finance practices of the rich and happy live a financially balanced life in the future. Build a solid foundation for your family and yourself. There is a thin line between being cheap and frugal. Learn how to spend without getting labeled as cheap and without sacrificing your family’s wellbeing.
Arm yourself against the most common spending mistakes.
• How to break the vicious circle of shopping habits. • Financial literacy crash course: A-Z finance vocabulary, the five pillars of financial literacy and more. • 4 things you should invest in. • Financial fasting and how to use it to your benefit. • Key takeaway summaries at the end of each chapter.
Get financial awareness in your life:
• Get a clear picture on the difference between the 401(k), 403(b), TSP, IRA and Roth accounts. • TRFs (Target Retirement Funds), HSAs (Health Savings Accounts), and RMDs (Required Minimum Distributions). • Why should you have F-you money. • How can your money take you to financial independence (The 4% rule). Financial literacy changes the rest of your life. You will have a better relationship with money by thinking about it differently. You will know the unique ways to spend smarter and build wealth. Imagine not worrying about debt, bills and late payment fees anymore.
Picture paying for things that actually add value and happiness to your life. Follow the tips presented in this book and make it reality.

From the Publisher

Self-Awareness...

...can help you:

- understand why you're having an emotional reaction,

- recognize, monitor, and regulate your emotions, thoughts, and behaviors,

- understand and resolve the difficult issues from your childhood,

- build satisfying, healthy relationships,

- control your impulses.

Self-Knowledge...

... can help you:

- understand your character, values, abilities, and emotions,

- be more proactive when you respond to external events,

- make positive life changes,

- make wiser choices,

- connect with people on a deeper level.

Self-Realization...

... leads you to:

- take full advantage of your strengths,

- set and achieve meaningful goals,

- accept and love who you are,

- have compassion and empathy toward yourself and others,

- have genuine appreciation of the wonders of life.

Master the most important thing in your life - yourself.

Would you like to understand yourself better? Get familiar with what makes you tick, what triggers you, what your deepest desires and values are? What do you want to achieve in life? What habits would you like to adopt? How do you want to show up for yourself and others?

Gaining clarity on these questions can enhance your life quality - exponentially. Being in sync with yourself will open you up to better understand, accept, and care for others, as well.

Design a well-examined and fulfilling life!

"How can I get started?", you may ask. Communication and lifestyle coach, Zoe McKey, is here to help you answer that. Using her unique talent to perceive human emotions and behavior, she will guide you to better understand yourself and others. Her books tap into a large pool of resources from scientific analysis and peer-reviewed studies, to the experiential retelling of her clients and her own knowledge. Zoe's greatest goal in life is to help you live up to your potential; to gain self-awareness, self-esteem, quality relationships, and overall life satisfaction.

The author in a nutshell

Zoe McKey is a Communication and Lifestyle Coach based in Los Angeles, California.

She studied in international and social studies for her bachelor and masters degrees. Being an avid student of human behavior, psychology, and healthy connections, she has spent more than 400 hours in therapy, journaled 1000+ pages, and read over 300 books on the topics of communication, self-discovery, and self-improvement.

For 10 years she's been helping people discover how to live the life they want. Zoe has a profound understanding on what it takes to gain self-understanding, get unstuck, and reach new levels of growth and fulfillment. She wrote over 30 books on these subjects that have been translated in multiple languages around the globe.

ASIN ‏ : ‎ B07F9TX1K8
Publication date ‏ : ‎ July 5, 2018
Language ‏ : ‎ English
File size ‏ : ‎ 4405 KB
Text-to-Speech ‏ : ‎ Enabled
Screen Reader ‏ : ‎ Supported
Enhanced typesetting ‏ : ‎ Enabled
X-Ray ‏ : ‎ Not Enabled
Word Wise ‏ : ‎ Enabled
Print length ‏ : ‎ 98 pages
Reviewer: Corriesgirl
Rating: 5.0 out of 5 stars
Title: Very Good Book!
Review: I read a lot of books about finances. This book in particular addresses what many of us deal with- overspending. It’s part a gentle warning and part encouraging us to do better. I wrote many of the passages in my journal to read again whenever I’m discouraged or tempted to spend unwisely.

Reviewer: Jimmy Ferrero
Rating: 4.0 out of 5 stars
Title: Wonderful book on how to think about money
Review: First, let me point out that this book is not about how to make money or build wealth. This book deals exclusively with how better to spend your money in order to maximize the value it has for your life. If you want a book on how to get rich, look elsewhere. If you want a detailed book on setting up a budget, Zoe has one for you. If you want to know how to improve your mindset about the role of money in your life and how to avoid many pitfalls designed to needlessly separate you from said money this is the book for you. That said, let's move on.I certainly liked that the book packed so very much information into such a concise package. I was aware of several of the marketing techniques but the author introduced some that I had not previously given much, if any, thought. Another aspect that I appreciate is the fact that the actions suggested are primarily very simple and can be implemented with only a small amount of discipline and some practice. For example buying things because they are on sale can be reduced by asking yourself if you would pay X dollars for the item if that was the regular price instead of the sale price or contemplating where else that money could be more productively spent. In all, I found the book had a lot of good information with suggestions that can be really easy to implement and left me confident that I will make use of the ideas.There were a couple of typographical or grammatical errors but they weren't enough to derail my reading. The idea of the left and right sides of the brain controlling logical versus creative thinking is no longer considered accurate in mainstream psychology but the concept is so ingrained in the general public's consciousness that I don't think it detracts from the message of the book and possibly makes the example easier to understand.In all I found this to be an interesting, informative, and useful book that I would recommend to anyone who is interested in spending their money more wisely (especially given the price point).

Reviewer: SB
Rating: 5.0 out of 5 stars
Title: I found this book to be helpful and I really enjoyed reading it
Review: I've always been interested in my finances and my wife and I jointly manage our family's finances so we both know what's going on.I found this book to be helpful and I really enjoyed reading it! The author writes in a no-nonsense fashion and if she says something is stupid or a bad idea, she will say exactly that. She doesn't beat around the bush. She provides step-by-step information on getting yourself out of debt, have better spending habits, how to save.She talks about stuff you don’t find in every personal finance book. I liked the part on financial literacy and her exercises.Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.

Reviewer: ✨FancyRat✨
Rating: 3.0 out of 5 stars
Title: Helped me identify unnecessary spending
Review: I read a lot about budgeting and thrifty living in the book, plus actionable tips that are easy to implement. I think the sections on identifying unnecessary expenditures and prioritizing spending were particularly helpful. I got practical advice on how to cut costs on everyday expenses without feeling like I'm sacrificing too much.The book covers the basics well, I found it could discuss more topics about finances like dating or how to save money while traveling or working overseas. I think some of the strategies are overly general and might not cater to anyone who already knows basic budgeting techniques. Additionally, I think the book missed to provide more knowledge on how to handle unexpected financial crises beyond the basics.Another drawback is the book's organization of chapters. It is difficult for me to quickly locate specific information or revisit key points for reinforcement, which detracts from its utility as a go-to guide. I think a list of keywords at the end and on which pages to find them would have made the book more usable for me.

Reviewer: Gerson Capingana
Rating: 5.0 out of 5 stars
Title: Highway to financial freedom
Review: Fantastic book to read and retain as it lays out the basic foundation for personal and family's finance literacy for anyone willing to gain financial freedom

Reviewer: DavidTX
Rating: 5.0 out of 5 stars
Title: Is a book that opened my eyes to a new beginning.
Review: Although I had some knowledge of fiance and budgeting my expenses this book reminded me what is lost over time. It is easy to go "sleep" in a visual society that taught me to be valued for what I own, that without noticing I was fully immersed in the rat race. Like this book I enjoyed to read it.

Reviewer: Amazon Shopper
Rating: 4.0 out of 5 stars
Title: Personal Opinion
Review: I enjoy everything related to personal finance.This book has good basic knowledge on money habits and practices. Depending on your financial literacy, this book is great as a starting point or a refresher to keep you on track. Easy read; I recommend.

Reviewer: Kindle Customer
Rating: 5.0 out of 5 stars
Title: Great book
Review: I love your book, actually I love all of your books. You are honest, warm, you speak from your own experience and it's easy to relate to you. I love your advices and the part of how commercials and sales people influence our decisions. Some of this was eye opening. I only wish if smart spending advices were summarised into one chapter in the end with some of the techniques more developed so you have like all of it in one place? I find some of the advices get ''lost'' along the way.