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Refinery29 Money Diaries: Everything You've Ever Wanted To Know About Your Finances... And Everyone Else's

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Does it feel like you’re NEVER going to finish paying back your student loans? Do you spend more on coffee per month than you put into your 401(k)? Do you avoid looking at your bank balance because it’s easier to live in denial? The first step to getting your financial life in order is tracking what you spend. Money Diaries, the breakout series from Refinery29, offers reader Does it feel like you’re NEVER going to finish paying back your student loans? Do you spend more on coffee per month than you put into your 401(k)? Do you avoid looking at your bank balance because it’s easier to live in denial? The first step to getting your financial life in order is tracking what you spend. Money Diaries, the breakout series from Refinery29, offers readers a revealing and often surprising look at the personal finances of others: what they spend, how they save, and even the purchases they hide from their partners and friends. Featuring all-new Money Diaries, valuable advice on how to get rich (and afford life in the meantime) from a handpicked team of female financial advisers, and money challenges that will save you up to $500, Refinery29 Money Diaries will empower you to take immediate control of your own money, including: • Why budgets are bulls&!t and what to do instead • How to make repaying your loans as painless as possible • How to start an emergency fund even if you’re living paycheck to paycheck • How to effectively ask for a raise and make sure you’re being paid fairly • How to have fun without going broke • The joy of saving for future you With a vision of what your dream bank account balance looks like, some expert advice to help you achieve it, and the support of a powerful community with the same goal, you’ll be a step closer to taking control of not just your wallet, but your life.


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Does it feel like you’re NEVER going to finish paying back your student loans? Do you spend more on coffee per month than you put into your 401(k)? Do you avoid looking at your bank balance because it’s easier to live in denial? The first step to getting your financial life in order is tracking what you spend. Money Diaries, the breakout series from Refinery29, offers reader Does it feel like you’re NEVER going to finish paying back your student loans? Do you spend more on coffee per month than you put into your 401(k)? Do you avoid looking at your bank balance because it’s easier to live in denial? The first step to getting your financial life in order is tracking what you spend. Money Diaries, the breakout series from Refinery29, offers readers a revealing and often surprising look at the personal finances of others: what they spend, how they save, and even the purchases they hide from their partners and friends. Featuring all-new Money Diaries, valuable advice on how to get rich (and afford life in the meantime) from a handpicked team of female financial advisers, and money challenges that will save you up to $500, Refinery29 Money Diaries will empower you to take immediate control of your own money, including: • Why budgets are bulls&!t and what to do instead • How to make repaying your loans as painless as possible • How to start an emergency fund even if you’re living paycheck to paycheck • How to effectively ask for a raise and make sure you’re being paid fairly • How to have fun without going broke • The joy of saving for future you With a vision of what your dream bank account balance looks like, some expert advice to help you achieve it, and the support of a powerful community with the same goal, you’ll be a step closer to taking control of not just your wallet, but your life.

30 review for Refinery29 Money Diaries: Everything You've Ever Wanted To Know About Your Finances... And Everyone Else's

  1. 4 out of 5

    Kimmie

    The money diaries themselves are interesting but the financial advice given is highly questionable. Of course finance is personal and everyone handles it differently, but I don't feel that this book really acknowledged this. Rather it presented the advice as fact, which is troublesome as I'm sure they have younger readers who will take their advice to heart and not do their own independent research. A couple points that bothered me: -The authors never even address the possibility of aggressively The money diaries themselves are interesting but the financial advice given is highly questionable. Of course finance is personal and everyone handles it differently, but I don't feel that this book really acknowledged this. Rather it presented the advice as fact, which is troublesome as I'm sure they have younger readers who will take their advice to heart and not do their own independent research. A couple points that bothered me: -The authors never even address the possibility of aggressively paying down student loans. They refer to student debt as good debt since it is an investment in your future self, but in today's student loan bubble, this just isn't true. They mention the amount of money one would earn if they started investing early, but fail to discuss the amount of money one would save in interest if they paid more than just the minimum payments. As a book geared towards millennial women where the average student loan debt hovers around $30k, it seemed like such a let down to not spend more time discussing this topic. They also do not discourage readers from taking on more debt (in the form of cars/mortgages) while carrying student loan debt. They also state that one doesn't need to stop living an enjoyable life while paying off debt, so there's no reason to make getting rid of student loan debt a priority. I'm not trying to judge their method of setting financial priorities, if it works for them great! The fact that they're touting this ideology as truth though is worrying. Maybe I've drank Dave Ramsey's Kool-Aid of "in order to be like no one else, you need to live on no one else", but I think it's at least worth mentioning to readers that getting rid of debt early to have more flexibility in terms of career choices can be a smart move. -The author advises people should pick a target retirement age to invest their 401ks since it's easy... without once mentioning the high fees they charge that eat away into the earnings. Again, terrible advice because they did not talk about the downsides of picking that investment. It wouldn't have been so hard to throw in a line about the high fees they charge... -The author doesn't discuss fixed vs. variable mortgages or 30 vs 15 year mortgages, and the amount one could save if they picked a 15 year fixed rate mortgage (which could be in the hundreds of thousands). Again, if there is going to be a whole chapter devoted to buying a home, it seems silly to not touch upon those points. -The author's tone on investing in the last chapter was quite odd. She made investing seem like a necessary chore that just "had to be done". She talks about this stereotype of women being afraid to invest, but then goes on to act like she's scared of it, and it's best to hire a financial advisor or a use a robo-investor, and leaves it at that. Although this type of investing is arguably better then nothing, it's quite frightening that risk is never discussed. There is risk in all types of investments, and encouraging people to invest without touching upon them is unethical. I did enjoy the chapters on navigating personal relationships with finances, negotiating higher raises, and the importance of saving for retirement. There is value I gained from the book and overall would like to recommend it, but because of the points above, just can't with a clear conscience. *Side note, I listened the audible version of this book. The narration was terrible! Lindsey sounded like a girl reading a middle school graduation speech off index cards. The other woman who read the money diaries gave this flat monotonous depressing tone to each diary. It's hard to explain, but I think I may just be spoiled by the high quality narrations of past audible books I've listened to.

  2. 5 out of 5

    Kayo

    I'm a little older than your target reader, but I loved the book. I know it will be a huge help to any individual living and working today. Lots of great advice. While it had so much to take in, anyone can take small steps to get financially secure. Thanks to author,publisher and Netgalley for the chance to read this book. While I got the book for free,it had no bearing on the rating I gave it.

  3. 4 out of 5

    Diana

    2.5ish stars, I guess...I mean, it was fine. The "diary" parts were equal parts interesting and annoying. Like, it's interesting to see how other people spend the money they make, but I don't need to hear every single thought about their daily lives you know? It also seemed like all the diaries were written in the same voice which makes me wonder about the authenticity but then, I skimmed the entries so maybe I'm wrong lol. There was really nothing earth-shattering here, but it was nice (as a fe 2.5ish stars, I guess...I mean, it was fine. The "diary" parts were equal parts interesting and annoying. Like, it's interesting to see how other people spend the money they make, but I don't need to hear every single thought about their daily lives you know? It also seemed like all the diaries were written in the same voice which makes me wonder about the authenticity but then, I skimmed the entries so maybe I'm wrong lol. There was really nothing earth-shattering here, but it was nice (as a female millennial) to read a book geared toward other female millennials. Even if it really was trying too hard to be that (do we need to qualify so many expressions with the term "AF"?). Also...are there really that many adult women out there whose parents are still paying their phone bills??! Wowza.

  4. 4 out of 5

    Leilani

    It is undeniable that money has changed in the last few decades. Our salaries, our investments, our bank accounts all look different from the baby boomer generation. I think this book is a great read for the younger population because it shows what we’re all spending our money on. It’s a view into the dirty secrets of other hard-working women. You can read other personal finance books that will tell you to be a spendthrift, save for a house, and never spend money on restaurants. This book says o It is undeniable that money has changed in the last few decades. Our salaries, our investments, our bank accounts all look different from the baby boomer generation. I think this book is a great read for the younger population because it shows what we’re all spending our money on. It’s a view into the dirty secrets of other hard-working women. You can read other personal finance books that will tell you to be a spendthrift, save for a house, and never spend money on restaurants. This book says otherwise because we’re all different and want different things. The book reveals how some women need to invest in FSAs or other insurance plans while others can put more money into puppy expenses. As a devout reader of the Money Diaries, this book is an analysis and a review of some of the diaries that are relatable to those struggling to figure out what to do with your money when you’re an outlier. Also, while other books are yelling at you this book is relatively easy to digest – even the tough discussions like keeping separate bank accounts from your significant others.

  5. 4 out of 5

    Serena

    Well, this book did what I wanted it to - it inspired me to get my sh*t together financially! It gives good practical advice on making financial plans. My main gripe is that it is US-centric, but to be fair, it never claimed to be anything but that. I know more than I need to about 401(k)s and am so, so glad that I don't live in the states. The 20-something year old's with six-figure salaries were giving me extreme loser feelings until I learned how much they get taxed and how little of that the Well, this book did what I wanted it to - it inspired me to get my sh*t together financially! It gives good practical advice on making financial plans. My main gripe is that it is US-centric, but to be fair, it never claimed to be anything but that. I know more than I need to about 401(k)s and am so, so glad that I don't live in the states. The 20-something year old's with six-figure salaries were giving me extreme loser feelings until I learned how much they get taxed and how little of that they take home. Mother of God. Also, two other little gripes - yellow font on white paper = illegible, and putting 'super' before a word doesn't make that word a compound word. MINOR GRIPES! I'm going to go pay off all my debt now and get a raise, hoohah murica!

  6. 4 out of 5

    Kathryn

    A fantastic and accessible approach to personal finance. This book isn't a silver bullet to understanding finances, but will do a good job at putting you on the right track without scaring the personal finance ingenue. The inclusion of personal money diaries, and check-ins with millennial on specific issues (how much are you saving for retirement?) is a big plus, and helps drive home the point that personal finance is just that-- personal. My only real issue with the book is Stanberry's continue A fantastic and accessible approach to personal finance. This book isn't a silver bullet to understanding finances, but will do a good job at putting you on the right track without scaring the personal finance ingenue. The inclusion of personal money diaries, and check-ins with millennial on specific issues (how much are you saving for retirement?) is a big plus, and helps drive home the point that personal finance is just that-- personal. My only real issue with the book is Stanberry's continued use of the tired trope of savings in the context of millennial latte consumption-- can we not?

  7. 5 out of 5

    Myles Cooper

    I skimmed over it

  8. 4 out of 5

    Elise P

    This is probably decently helpful for ages 18-23 or so. As a financially solvent 30-year old, not so much. I mostly read the book for the diaries, but honestly, they are way less fun than reading on the website (where you get the ever-entertaining comment section).

  9. 4 out of 5

    Emilie Hendryx

    I really enjoyed this book! Review coming soon!

  10. 4 out of 5

    Dillon

    I bought this book for a friend who just started working down their student debt. Typically for folks starting their personal finance journey I'd recommend I Will Teach You To Be Rich by Ramit Sethi, but I felt this book was more digestible, positive, and less intimidating in tone and tact. Not sure if this is the intended use case, but I ended up learning a lot more about the female perspective on personal finance and saving. I hope this helps me communicate better in relationships and build em I bought this book for a friend who just started working down their student debt. Typically for folks starting their personal finance journey I'd recommend I Will Teach You To Be Rich by Ramit Sethi, but I felt this book was more digestible, positive, and less intimidating in tone and tact. Not sure if this is the intended use case, but I ended up learning a lot more about the female perspective on personal finance and saving. I hope this helps me communicate better in relationships and build empathy when facing scenarios outlined in Diaries.

  11. 4 out of 5

    Sam Duffy

    Am I money savvy now?

  12. 5 out of 5

    Kate

    This is a book on personal finance for people who have never previously heard the phrase “personal finance.” If you have heard of personal finance, warning: you may rip your hair out upon reading. Money Diaries is a book-ized version of the popular Money Diaries Refinery 29 web series, wherein millennial women spend a week recording every dollar they spend and then share it – along with their salary, debt, and other monthly expenses – with strangers on the internet. The series was started to inc This is a book on personal finance for people who have never previously heard the phrase “personal finance.” If you have heard of personal finance, warning: you may rip your hair out upon reading. Money Diaries is a book-ized version of the popular Money Diaries Refinery 29 web series, wherein millennial women spend a week recording every dollar they spend and then share it – along with their salary, debt, and other monthly expenses – with strangers on the internet. The series was started to increase transparency around personal finance and spending. While I wholeheartedly agree this mission, it does not automatically align with wise personal finance decisions. Many, many of the money diaries regularly feature poor understandings of finance and alarming spending habits (I think the avocado toast guy probably used these journals for the basis of his argument). This isn’t necessarily problematic on the website: its goal is to share what people are spending, and that’s accomplished each time a new diary gets published. But the book version isn’t merely a collection of those journals in print: it’s a money diary, followed by financial advice in some arena of life (e.g. debt, relationships, education). Now, if you’re going to write a book with the ostensible purpose of helping people get their personal finances in order, you need to do some actual analysis of spending and say: this is what worked, this is what didn’t, this is where you could improve. It’s not enough to present a diary, physically place it next to some financial information elsewhere on the page, and then hope the reader magically makes the connection between the two. Doing the analysis and making the connection is why you’re writing the book. But this poses a problem, because the entire point of the original Money Diary series was to present people’s spending sans judgment. These two goals are at odds: presenting what someone spends, no comment, makes it difficult to educate the reader; writing a personal finance book means educating the reader but analyzing and judging the diary. An example: one featured couple’s diary sees them throwing extra payments at their 0% APR credit card debt while paying the bare minimum on their interest-bearing student loans. Many chapters later, in a spread of less than 2 pages that discusses paying down debt, it’s briefly mentioned that, hey, paying high-interest debt first might be a good idea. Having spent much time reading about personal finance, it was obvious – to me – that this couple’s strategy wasn’t the strongest and they’re going to spend significantly more than they need to in interest. But if you’re a newcomer to this world, you’ll read the couple’s diary, think, “Huh! What a nice couple!” and never make the connection that they’re screwing themselves over. An effective personal finance book would have pointed out for you: by paying interest-bearing debt first, this couple will save X amount of money over the coming year. As a bonus, it could run those savings through a compound calculator and see how much they’ll have in 30 years if they could have invested it instead. (Also noted: the couple has a high enough income to wipe out both debts completely in less than a year, but chose not to – nor does the book even hint at such a possibility. Money Diaries is heavy on the “debt is serious but hey you’re still young and should have fun! Tee-hee!” philosophy, which makes me grit my teeth and roll my eyes and beat my chest in despair all at the same time and may be contributing to why I’m spending way too much a chunk of my life writing this review at all.) All this stems from the fact the book itself doesn’t truly understand personal finance. There’s no cohesive philosophy: instead, it’s numerous other financial approaches – e.g. Your Money or Your Life, Dave Ramsey – repackaged and thrown at the reader in a manner that makes it feel knowledgeable but isn’t detailed enough to allow one to do anything with the information. It’s like throwing a whole bunch of mud at the wall and hoping some of it sticks. I get the sense that if I was new to personal finance, I would have read the whole thing, felt really inspired, and then walked away and never thought about this again because it’s too many concepts in too little detail to truly apply to any area of my life. Finally, while the cover lists Lindsey Stanberry as the author, it should say, “with Priya Malani,” because at least 80% of the advice sections start with, “I asked Priya to tell me how…” or, “Priya helped me…” or, “Priya told the best way to…” and then proceeds to simply repeat whatever Priya said. This may explain the lack of depth. (Poor Priya gets nothing except a brief callout in the acknowledgements section, and even then her name is lumped together with a bunch of other people.) I gave this book 2 stars because for the truly, absolute beginner whose money is a disaster, the process of seeing other people’s spending might encourage them to at least do their own money diary for a week and become more aware of their habits. And also because, if nothing else, it was entertaining to read (but in a train-wreck kind of way. On the website, the comments section has a culture of “people read this series just to write judgy comments.”) But in the hands of someone who actually wants to get their financial life in order, the cavalier, “oh you’re fine!” attitude without any philosophy or clear approach may actually lead to the kind of passivity and lack of improvement that will set you back.

  13. 4 out of 5

    Laura

    This is my favorite column on Refinery29 (which you really should subscribe to, if you already don't), and I mainly picked it up for the columns. In between the columns, there are chapters of financial advice. I'm older than the target audience for that advice, but I thought that they raised some good issues. If you're serious about saving and getting your financial act together, you probably should get a book on just that - this isn't completely comprehensive, and it's coming from one perspecti This is my favorite column on Refinery29 (which you really should subscribe to, if you already don't), and I mainly picked it up for the columns. In between the columns, there are chapters of financial advice. I'm older than the target audience for that advice, but I thought that they raised some good issues. If you're serious about saving and getting your financial act together, you probably should get a book on just that - this isn't completely comprehensive, and it's coming from one perspective. I didn't always agree with her advice - like they don't really address paying down student loans because it's 'good' debt. That may be the case, but I know people in their'40s still paying down student loans, and it affects car and house purchases, amongst other things. I also didn't agree with her take on certain kinds of investments - I'd definitely consult another book prior to investing. But, this is a fun read and I think it's a good 'first money' book for someone entering the workforce or graduating from college. It raises some good points and can help someone get their financial life together.

  14. 5 out of 5

    Kerry

    This book is written in a supportive, anecdotal style that I imagine would be appealing to those in their 20's and 30's. I am older, but found the advice generally to be sensible. Under the chapter sub-heading "When It's Okay to Lean on Mom and Dad - and When it's Not", however, I was bemused (as the parent of a millennial dependent) to find that apparently it's never "Not" okay. In fact, the question was not actually addressed after the author acknowledges a 2015 PEW Research study that finds t This book is written in a supportive, anecdotal style that I imagine would be appealing to those in their 20's and 30's. I am older, but found the advice generally to be sensible. Under the chapter sub-heading "When It's Okay to Lean on Mom and Dad - and When it's Not", however, I was bemused (as the parent of a millennial dependent) to find that apparently it's never "Not" okay. In fact, the question was not actually addressed after the author acknowledges a 2015 PEW Research study that finds that 40% of millennials receive support from their parents. Instead the focus of this chapter fell on planning for the day when one's parents may become dependent on THEM, stating also that there are millions of millennials who already provide financial assistance to their families - without citing statistics to back this up. Having said this, I appreciate any effort to help and encourage individuals to manage their income and lives responsibly, and I recognize that this is more challenging for younger Americans. This book suggests tips such as automating payments, contributing to retirement accounts, packing your own lunches and cutting back on fancy coffees.

  15. 5 out of 5

    Heather

    I love reading Refinery29's Money Diaries so I had to pick up this book and check it out. Overall I enjoyed it, although I found most of the financial advice to be stuff I already knew. I think a lot of people would find some or all of it helpful, and I appreciate that it was written in easy to understand language that broke down things like establishing a 401k, researching and choosing a health insurance plan, and purchasing a home in step-by-step chunks that would make sense to any reader. I a I love reading Refinery29's Money Diaries so I had to pick up this book and check it out. Overall I enjoyed it, although I found most of the financial advice to be stuff I already knew. I think a lot of people would find some or all of it helpful, and I appreciate that it was written in easy to understand language that broke down things like establishing a 401k, researching and choosing a health insurance plan, and purchasing a home in step-by-step chunks that would make sense to any reader. I also loved how most (actually I think all) of the financial experts interviewed and profiled in the book were women. This is not something I've seen in any other finance advice column/book/website/anything. It was cool to see. I also loved reading the money diaries in the book (of course). Overall I did enjoy the book but practically speaking, it didn't add much to my life. I think it's worth checking out if you like the Money Diaries on the site and/or if you are looking for a simple finance book with easy to understand advice that anyone can actually follow.

  16. 4 out of 5

    Rebecca Shook

    I just learned about the Money Diaries on Refinery29 and am slightly obsessed with them now and this book is a decent companion with follow-up and discussion on general personal finance. The book is full of challenges to complete so you are aware of your complete financial picture as well as saving some extra dollars. Honest about the reality of starting life with debt (hopefully only educational but does discuss consumer debt) this book is a good one for a more complete overview of life goals a I just learned about the Money Diaries on Refinery29 and am slightly obsessed with them now and this book is a decent companion with follow-up and discussion on general personal finance. The book is full of challenges to complete so you are aware of your complete financial picture as well as saving some extra dollars. Honest about the reality of starting life with debt (hopefully only educational but does discuss consumer debt) this book is a good one for a more complete overview of life goals and how to reach them while considering your finances. If you already know your income to monthly spending ratios, are paying off debt and investing in your retirement I'm not sure this book will have anything new to add, but if you are curious about your personal finances and know you could (should) be doing more, this one has practical advice and won't make you feel dumb for not doing something already.

  17. 4 out of 5

    Bakari

    Good book, but no good advice about budgeting I'm not the intended audience for this book, given that I'm male and 61 yro. But I like reading about personal finance because it helps me stay conscious about my personal budgeting. I like the idea of money diaries and have completed two week-long dairies in my digital journal. The other information in the book was not new to me, but it's good to read another viewpoint about investments, which I'm still struggling with. This book has some good financ Good book, but no good advice about budgeting I'm not the intended audience for this book, given that I'm male and 61 yro. But I like reading about personal finance because it helps me stay conscious about my personal budgeting. I like the idea of money diaries and have completed two week-long dairies in my digital journal. The other information in the book was not new to me, but it's good to read another viewpoint about investments, which I'm still struggling with. This book has some good financial advice, but I'm surprised it doesn't provide readers about how to keep an actual financial budget. There was no mention of Mint, YouNeedaBudget, or the Dave Ramsey method. There should of been at least a short chapter about zero budgeting. Nevertheless, it's a useful book. I recommend everyone, young and old, regularly read about personal finance, and most definitely have a $2000 emergency fund in savings.

  18. 4 out of 5

    Shar

    I was pretty disappointed with the book as an avid Money Diaries reader on Refinery29. The book was lacking in the number of money diaries, especially after they've hyped it up for so long. The financial advice was suspect and the graphic design of the book was an eyesore after a while. I was expecting a more thorough review of money diaries and asking the diarists about the philosophies and the nitty-gritty of how they handle their money on a daily basis (e.g. use the library to check out eBook I was pretty disappointed with the book as an avid Money Diaries reader on Refinery29. The book was lacking in the number of money diaries, especially after they've hyped it up for so long. The financial advice was suspect and the graphic design of the book was an eyesore after a while. I was expecting a more thorough review of money diaries and asking the diarists about the philosophies and the nitty-gritty of how they handle their money on a daily basis (e.g. use the library to check out eBooks, check your city's indie newspaper for things to do that are inexpensive, etc.). Otherwise, it just seems like a finance column mish-mashed with voyeuristic diary entries. The investment chapter was also such a disappointment and Stanberry was not very reassuring considering how much she parlayed off the work to others.

  19. 4 out of 5

    Katharine

    I "read" this as an audiobook. While much of it was a review, I took away a couple of helpful things. 1) I need to have a better summary of my financial accounts in case something bad were to happen to me 2) Salary negotiation - I have always stunk at this! Learned stuff. 3) When you've been paying bills for 20 years, you forget the things you've had to learn along the way. This was supremely helpful in reminding me of all the financial common sense that I want to develop in my children. I'd defin I "read" this as an audiobook. While much of it was a review, I took away a couple of helpful things. 1) I need to have a better summary of my financial accounts in case something bad were to happen to me 2) Salary negotiation - I have always stunk at this! Learned stuff. 3) When you've been paying bills for 20 years, you forget the things you've had to learn along the way. This was supremely helpful in reminding me of all the financial common sense that I want to develop in my children. I'd definitely recommend this to anyone in their 20's - especially women. That said, my husband enjoyed it too!

  20. 4 out of 5

    Lucie

    As a huge fan of Refinery 29s money diaries series, I just had to get this book and luckily I wasn't disappointed. I think that this is an excellent introduction to dealing with money. This has a great combination of personal anecdotes (although I kind of don't like the author's husband now, but that's another story) and practical advice. This had just enough detail to make the book actually useful, while not being too intimidating for someone brand new to finance. I loved the addition of the mi As a huge fan of Refinery 29s money diaries series, I just had to get this book and luckily I wasn't disappointed. I think that this is an excellent introduction to dealing with money. This has a great combination of personal anecdotes (although I kind of don't like the author's husband now, but that's another story) and practical advice. This had just enough detail to make the book actually useful, while not being too intimidating for someone brand new to finance. I loved the addition of the mini savings challenges, and of course the extra money diaries. I would recommend this book to anyone looking to take more control of their money.

  21. 4 out of 5

    Jamie K

    Only giving this two stars because I gave up on it at page 289 when the money diary person was putting more into their 401k in a year than I make in a year. Horribly depressing and honestly tortured myself too long reading the money diaries that do not look at all like my life (except maybe the one of the low paid teacher). The plus side is it inspired me to track my own spending for the month (aside from budgeted items). So I guess one good thing came out of me reading this. Also agreeing with Only giving this two stars because I gave up on it at page 289 when the money diary person was putting more into their 401k in a year than I make in a year. Horribly depressing and honestly tortured myself too long reading the money diaries that do not look at all like my life (except maybe the one of the low paid teacher). The plus side is it inspired me to track my own spending for the month (aside from budgeted items). So I guess one good thing came out of me reading this. Also agreeing with many other reviewers in the shock at how many of these money diaries included parents paying for their cell phone into their 30s! Seriously?!

  22. 5 out of 5

    Sarah

    This is a great book for women at the beginning of their careers or in their 20’s. I wish I had read it when I was 21 and graduating college or starting my first “adult job”/starting grad school; I could have avoided some hard lessons learned if I’d had some real world practical advice. There is a lot of general information and advice that is a solid foundation. It’s not an investment or money management handbook by any standard, but is a great read. I really enjoy the diaries and like seeing ho This is a great book for women at the beginning of their careers or in their 20’s. I wish I had read it when I was 21 and graduating college or starting my first “adult job”/starting grad school; I could have avoided some hard lessons learned if I’d had some real world practical advice. There is a lot of general information and advice that is a solid foundation. It’s not an investment or money management handbook by any standard, but is a great read. I really enjoy the diaries and like seeing how other women earn, spend and save.

  23. 5 out of 5

    Crista Colvin

    Loved everything about this book, particularly the fun and palatable design. However, as with many of the books I read these days, I would ask that the author more explicitly acknowledge the existence of single people and the possibility of exponential financial progress (debt payoff, down payment) a partner can bestow. I was surprised there wasn't more of this, given the millennial bent. Looking forward to seeing more from this author.

  24. 4 out of 5

    Marissa

    I will admit some of the financial advice is kind of “duh”, but overall I felt like this helped clarify some of the “adult” savings and expense issues. I’ll definitely come back to reference some of the later chapters at one point or another. It has definitely made me pay closer attention to my personal spending habits more, and I love being nosey and reading the money diaries. I’d recommend this to any of my friends for sure.

  25. 4 out of 5

    Sophia Joy

    This book is refreshing in its tone and layout; I like how each chapter is dedicated to how money relates to each part of your life: Life, Love, Work, Debt, Kids, Home, Wealth etc. The mini financial challenges and clean illustrations also make it interesting. As a New Zealander I couldn't relate to all of the American terms such as 401k and Roth IRA, but I genuinely enjoyed the actual money diaries themselves as well as the Q and A's!

  26. 5 out of 5

    Slight Look

    This review has been hidden because it contains spoilers. To view it, click here. First 2 chapters are good. After that it’s just women whose parents still support them. They don’t have a large student loan debt. Either don’t have cars or it’s paid off completely, minus 1 money diary. These people aren’t really examples. It’s is basically one demographic being showed and don’t get me started on the kids and money chapter...

  27. 4 out of 5

    Saskia

    There’s a lot of good info in this book, I just really came to dislike the chatty style it was written in. And the the random nature of the savings challenge didn’t make sense to me. I get that the book is trying to make learning about finances less daunting for women, but it just ended up feeling infantilizing to me. 2-3 stars

  28. 5 out of 5

    Rachelle

    Money Diaries... This book is more entertaining than educational, as it follows 6 singles and couples as they navigate their 20s and 30s financially, recording a week's worth of purchases. Most of this book is fluff- it all is regurgitated from more successful financial books. Interesting to see budgets from real world situations, but book does not explain what each does well or could improve on.

  29. 5 out of 5

    Hailley Griffis

    Really really enjoyed this book. Unlike other personal finance books I didn’t get lost. In fact, I felt I understood every chapter and instead of closing this book feeling like a failure at my personal finances I walked away feeling empowered and knowledgeable. A huge thank you to the author for writing it in a way that is relatable and easy to process!

  30. 5 out of 5

    meredith ann

    Enjoyed the conversational tone, the post-diary interviews, and the saving challenge throughout ths book. Did not enjoy the color scheme inside; many parts were unreadable and gave me a headache. Yellow font on white background, ick.

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