Crystal doesn't promise you'll become a millionaire overnight. In fact, she starts out by telling you that getting your finances in shape is a process that takes time. What she offers is practical suggestions to get you there.
She begins with setting goals. She explains how to come up with the goals and then divide them into doable segments. Writing down goals inspire you and hold you accountable.
Crystal is convinced that you will not be successful in finances until you get your life and home under control. She explains how to set priorities and how to create a time budget. Essential is removing the clutter in your home. She has a very manageable plan to maintain a clutter free home too.
Then comes the budget. But she starts off slow with just managing food expenses the first month. She recommends setting aside the designated amount in cash as a way to hold you to the amount. When it is gone, it is gone.
Next is the full fledged budget. She gives many ways to cut expenses. She also recommends doing away with credit cards (and if you need one for travel, such as car rental, she is strict on its use).
She realizes doing a budget requires work, time and commitment. But the result, peace of mind (and extra money) is well worth it.
Her next chapter is on coupons their use, how to get them, how to file them, and much more. She has many other tips on shopping too, such as buying on line, like groceries and eye wear. She also has lots of ideas for keeping your children in clothes for a reasonable amount.
Crystal ends with what it really means to be content.
Crystal's book is not some new and guaranteed technique to make you rich. But it is full of practical ideas so that you can live within your means. Budget hardy people may be disappointed but if you are relatively new to keeping your life and finances in order, you'll find loads of information in this book.
If you listen to the audio, like I did, you will want to keep a pen nearby as she mentions many great web sites you'll want to investigate.
Be sure to check out this video: http://www.youtube.com/user/MoneySavingMom
Crystal Paine is a wife and homeschooling mom to three young children and has been writing on frugality for the last five years. Her blog, MoneySavingMom.com, is one of the top personal finance blogs on the web. She has had articles published in magazines and has been referenced by several radio and TV programs.
I am taking part in a blog tour. To see other reviews of this book go to http://litfusegroup.com/
I received a complimentary audio download of this book for the purpose of this review. The opinions expressed are my own.
A Brand new iPad2
The Money Saving Mom's Budget by Cyrstal Paine, audio edition
Enter today by clicking one of the icons below. But hurry, the giveaway ends 4/4/12. Winner will be announced at The Money Saving Mom's Live Webcast Event on 4/5. Crystal will be hosting an evening of chat, laughter and encouragement - bring your friends! She'll share tips and advicde and her husband will be joining her to share how the prinicples Crystal outlines in her book have dramatically impacted their family life. She'll also be giving away some GREAT prizes: gift certificates, books, and much more!
So grab your copy of The Money Saving Mom®'s Budget and join Crystal and friends on the evening of April 5th for an evening of fun of learning, sharing and encouragement.