Did you notice that you had more money when you were single? Now that you are in a committed relationship, even with the dual incomes, you seem to have less cash than ever. If you are married, heading in that direction or are planning on being married one day, this personal finance book is a must-read. It keys in on how the purpose of money changes during a relationship, and while it may seem you are consolidating expenses, relationships also open up an entirely new set of financial pitfalls. In short, this book discusses how to best communicate about finances while you are in a relationship. Often, people think that discussing money or budgeting detracts from the romantic aspects of the relationship; however, not discussing it and forming shared goals is when one person runs up a huge credit card bill. Smart Couples Finish Rich helps you discuss finances with your significant other, work toward common goals and align your personal values to make for a financially secure future.
Generation Debt
By: Anya KamenetzAnya Kamenetz’s Generation Debt caused such a stir and gained such notoriety that she was offered a columnist position on Yahoo! We have all heard of the inordinate amount of debt that plagues just about every American, particularly the Generation X and Y groups. Furthermore, we have all heard advertisements on how to consolidate your debt and become debt-free. Yet, there still seems to be a lack of education and knowledge as to exactly why this debt phenomenon is in existence. This personal finance book does not provide the tools to become debt-free, but rather explains why debt happens. For example, it discusses how the cost of education has exploded and how having your degree is no longer a surefire way to achieve financial success. Additionally, the wave of materialism and the average Joe’s exposure to high-priced luxury items has also contributed to the effect. Generation Debt will help you understand these socioeconomic trends, and can equip you to better deal with debt and avoid its downward spiral.
Rich Dad, Poor Dad
By: Robert KiyosakiRich Dad, Poor Dad is more inspirational than practical, but this personal finance book has a cult following as it discusses very basic topics, such as working smarter rather than harder. To get some substance out of this personal finance book, you must read between the lines and take Kiyosaki's nearly fictional stories and apply them to what is relevant in your life. For example, if you are cubicle-bound and have eight bosses, it won't be easy to start having everyone work for you so you can work smarter, not harder. However, there are ways you can apply the given tips in your everyday life. For instance, it might make sense to hire a personal bookkeeper for a couple of hundred bucks a month, and then you can take those painful accounting hours and convert them into something more profitable for you. In short, it’s not wise to take the tips in this book at face value, but with such a wide following, this is a personal finance book you can’t afford to miss.
Bargaining for Advantage
By: G. Richard ShellMany of the best financial minds out there lack a very basic skill that can really help reap financial rewards: negotiating. For example, your squeaky-clean, debt-free, financially stable buddy may have his act together in that arena, but consistently leaves money on the table. Effectively negotiating is not just reserved for the corporate world; it’s very personal. Everything from your salary to your mortgage is negotiable. This personal finance book is a great read that discusses and instructs you to understand both sides of the equation and come out on top. Even if you have your financial act together, you can always learn to become a better negotiator -- it can mean the difference between a 5% raise and a 15% raise.
The Wealthy Barber
By: David ChiltonHow does the big-time banker with a six-figure salary end up declaring bankruptcy? How does the lifelong teacher buy a home in the most exclusive neighborhood? The Wealthy Barber offers some very simple insight on how this happens. This personal finance book strongly proclaims that slow and steady wins the race. Dave Chilton states that understanding, education and patience can make you very wealthy and let you have the lifestyle you want. The book is a great read, even for the most financially illiterate men, which just so happens to be the title of the first chapter. Chilton does an excellent job identifying very sound financial principles and practices and puts them into words that bring light to the bigger picture. The Wealthy Barber also delves into other critical elements that make for a complete financial picture, such as investments, retirement planning, taxes, and estates/wills.
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