Kamis, 09 April 2015

Ebook Download , by Erik Wecks

Ebook Download , by Erik Wecks

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, by Erik Wecks

, by Erik Wecks


, by Erik Wecks


Ebook Download , by Erik Wecks

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, by Erik Wecks

Product details

File Size: 2931 KB

Print Length: 192 pages

Simultaneous Device Usage: Unlimited

Publisher: Erik Wecks; 2 edition (March 8, 2012)

Publication Date: March 8, 2012

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B007IUGLYO

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Amazon Best Sellers Rank:

#9,987 Paid in Kindle Store (See Top 100 Paid in Kindle Store)

I must admit the candor in ths authors book is refreshing. Erik doesn't claim to be perfect, in fact, he is still fighting to keep his house. So what can you learn from this book that you can't learn from Dave Ramsey's? Instead of building vast amounts of conspicuous consumptive wealth, Erik Wecks advises us to use our money to make statements about our values. If you are tired of keeping up with the Joneses, and you dont need a Beemer, Louis Vuitton wallet or a Burberry trench coat, think about how and where your money can serve you best. Erik does credit Dave Ramsey's Financial Peace University for opening his family's eyes to zero balance budgeting, calling it "sexy!" But, this book is not a repeat of Ramsey's books. Inside you will learn how banks con us into debt, with home equity HELOCs and high interest credit cards, and how to simply say, I'm tired of this, I can think for myself, and just say no. Say no to staggering interest rates and pay off your cards. This book was right on target about how we as a nation have contributed to our economy. It's not just the banks and the government, people, it's us, too! I just bought a beautiful house, paid cash , i am mortgage free and I applaud the plan in Erik's book, as it worked for me, and it can for you, too! Say no to status consumerism and say yes to really owning what you love and buy. Bravo, Erik! I'd give this six stars if I could influence all debtors to read it.

So far I've read several books about personal finance and they seemed to focus more on getting rich, as if thats everyone's primary goal. Erik's book spent a lot of time dealing with how to survive the day to day life of being in a bad financial situation, and I could really relate to that. If I end up rich later in life great, but right now I need to get my finances in order and this book helped with that. I've already recommended it to some friends, and I certainly think it worth the time and money.

Like a lot of Americans in their late 50s, I took a deep pay cut after I was downsized from my job of 20+ years and finally got another job. I’m talking making about 50% less than I did at my old job. (On the other hand, the old job was at a poorly managed toxic place that would have eventually killed me, and the new job is at a positive, stable, fun, well managed organization I want to work for forever.) My new employer offered a Dave Ramsey course, and I signed up but didn’t get much further than Baby Step 3. The Ramsey course turned me off—it felt hyper religious and a little embarrassing at times, like being yelled at by your 6th grade phys ed teacher for not being able to run 600 yards. Weck borrows Ramsey’s solid principles and makes them palatable. Finally I feel as if I have a way out of my crushing credit card debt. His writing is engaging and encouraging and a little self deprecatingly humble, and never, ever dull. This is without a doubt the best, most practical financial planning book I’ve ever read. Even if you make $350k plus a year, you would profit by following his principles. And most amazingly of all, Weck makes reading this information a pleasure, not a chore. Thanks, Erik!

This might not work for others, but I found this book to be EXACTLY what I need to start getting my spending under control. I recently retired and am living with reduced circumstances. I have been finding it far too easy to keep spending money as if I still had it. This book provides a way of doing a personal budget that actually makes sense to me. I can have enough flexibility to have the things I really want when I cut out the things that don't really matter. It provides a way of looking at the things I automatically spend money on to try to see if there are better ways of getting what I want. I can do things in ways other than the way I have done them always that provide as much as or more pleasure with much less cost. For example--instead of asking friends out to lunch, I have repainted old lawn furniture and have started having friends over for coffee. It's much more enjoyable and better fits a reduced income.I particularly like the example of a dentist and his assistant who had very disparate incomes, but showed how the assistant actually was living better than her boss. That really made me think about the times in my life that I had a big income but wasn't living very well. I was making many of the same mistakes that the dentist was. Where was this great little book then? Would I have paid any attention to it then?The focus is not on doing a budget once and disparing when it doesn't work. A budget is a work in progress and provides a fresh look every month with a fresh look at expectations.I am grateful for this realistic way at looking at handling money. It is not a complete book of personal finance, saving and investing. It is just a look at how to handle what one has when that isn't all that much.

Good book of financial advice. Wecks gives practical advice on how to change your thinking about money and how to create a budget that you will really stick to by making it your own. The book is funny and down to earth, making it a much easier read than many others on this topic. It is easy to understand and follow his principles and they are applicable to those with some debt and financial problems as well as those who are barely making it financially. He gives a lot of basic advice and really works hard to make consumers understand how debt and credit cards are not always your friend, despite how easy they are to use. Wecks also does a great job in clarifying needs and wants- something all of this in Western culture can use to review every now and again. I definitely found myself asking- 'Do I really NEED....' in thinking over my own finances and budget. Overall, a good book to help you get a handle on your finances and budgeting from a basic perspective.

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