The Year of Less

The Year of Less
How I stopped shopping, gave away my belongings, and discovered life is worth more than anything you can buy in a store
Cait Flanders

Do you have more stuff than money?  What are you holding on to?

In this compelling story, Cait shares what happens when money, minimalism, and mindfulness cross paths.

'When she realised that nothing she was doing or buying was making her happy- only keeping her from meeting her goals- she set herself a challenge: she would not shop for an entire year.

The Year of Less documents Cait's life for twelve months during which she bought only consumables: toiletries, gas for her car. Along the way, she decluttered her apartment and got rid of 70 percent of her belongings.'

Grab a copy of the book to learn how to let go to have more.

You can get a copy of the book >>here<<.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Time Warrior

Time Warrior
How to defeat procrastination, people-pleasing, self-doubt, over-commitment, broken promises and chaos
Steve Chandler

One of the major components to living a life on purpose is the ability to manage your time.  However, for many of us having enough time is a constant battle.  I chose this book for book club this month because the ability to manage our time is the secret sauce to creating a life on purpose.

As the blurb states:

'Create your day the time warrior way

Time Warrior is a revolutionary, non-linear approach for dealing with time.  In this age of instant global connection to everyone and everything, your 'war' is against interruption and distraction.

The 'violence' in the word 'warrior' was intended.  For although the work you do can be slow and easy, to master non-linear time you must pull out your sword ahead of time to carve out periods of space and silence.'

Grab a copy of the book and learn how to let go of people-pleasing, stop procrastinating and get it done.

You can get a copy of the book >>here<<.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Smashed Avocado

Smashed Avocado
How I cracked the property market and you can too
Nicole Haddow

If you think getting into the property market is out of your reach this book is for you.

Journalist Nicole Haddow takes us through the steps she took to get her first property.  At thirty, she found herself with credit card debt and unstable income.  Within only two years, she turned her financial circumstances around to purchase her first property.

For anyone thinking that the property dream is out of reach, think again.  Nicole did it on a single income in two years.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Shares Made Simple

Shares Made Simple: A Beginner's Guide to Sharemarket Success
Roger Kinsky

On the front cover of this book it states 'Simple, easy to understand strategies anyone can use for success!'.

I don’t necessarily agree with that statement.  So why am I recommending this book?

When you invest in index funds you are investing in all the companies in the share market that the index fund is following. So, for example if you invest in an Australian index fund you are investing in say the top 500 companies or all the companies represented in the Australian share market.  When you invest this way, you are not buying shares in one specific company directly. The index fund does that for you. For example, your index fund would have shares in the Commonwealth Bank so you are invested in that company but you haven’t gone out and bought the CBA shares directly.

If you want to buy shares in specific companies then more research is involved and you need to understand the language of share investing so to speak and you can learn that from this book.

If you want to understand how to read the financial news in the papers, this book will explain all the jargon for you.  For example, there are statistics available about companies to help you understand their fundamentals such as the price to earnings ratio also referred to as the PE ratio.

Understanding these statistics help us make sound investment choices when choosing shares. Personally, this kind of investing makes my eyes glaze over and my brain switch off.  I don’t want to invest in individual company shares.  I don’t want to have to research the companies and understand their fundamental and unless you are a reckless investor, this is what you need to do if you want to invest in individual companies.

Personally, I think investing in only a few companies is risky because no company is indestructible, unless of course you own shares in a lot of different companies.  However, you need a lot of money to do that. There is nothing wrong with investing in companies individually if that is your interest and you want to put the time into understanding the companies.

If you want to do that you need to understand the language of investing in shares and Roger’s book will teach you that.

For me personally, reading this book just affirmed for me that I am really happy investing in index funds and that is the best strategy for me because I don’t have the interest or the inclination to spend large amounts of time researching companies.

I want my investing to be simple, easy to understand and implement, as well as getting the best return with the least amount of fees.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Millionaire Teacher

Millionaire Teacher
The Nine Rules of Wealth You Should Have Learned in School
Andrew Hallam

Obviously, being a former teacher, there is no chance I would pass up a book with the title Millionaire Teacher!

I was not disappointed.

I know a lot of people have a desire to invest in shares but have a road block because they don’t understand it or don’t have any clue as to where to start.

This book is your answer.

Millionaire Teacher is an excellent guide for learning about investing in shares. Andrew doesn’t try to teach you how to ‘beat the market’ or how to ‘pick the best shares’. This book teaches simple strategies for how to invest in the share market without having to be a financial expert. Andrew explains how the share market works and how to invest in a simple and systematic way that minimises risk and maximises returns.

There are no fancy strategies or trading going on here. In simple laymen’s terms, Andrew explains index funds, bonds and exchange traded funds (ETF) and how to invest in them.

He outlines specific strategies and funds that can be invested in, in America, Canada, Great Britain, Singapore and Australia.

What surprised me was how simple investing can be, and Andrew has such a relatable and down to earth nature.  I especially enjoyed how he uses Willy Wonka and the Chocolate Factory as an analogy for how the stock market works.

I found this book very practical and informative. I especially appreciated the information on why it is important to invest in low cost funds and how paying higher fees can have a significant effect on the return of your investment.  Maybe I’m a little bias because of my former occupation but I love love love that Andrew was a school teacher and not only did he educate himself and take responsibility for his own finances he also went out of his way to educate others. What a guy!

Seriously ladies, if you want to learn how to invest in the share market and do it in a simple and effective way that minimises risk, get this book.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Everything is Figureoutable

Everything is Figureoutable
Marie Forleo

If you want to make change in your life but you feel like you lack the confidence, time or money then this is the book for you.

I was initially attracted to this book as I listen to Marie's podcast on and off and I love her sass and can do attitude.  But it was the title that really drew me in and made it a yes when deciding to buy and read it.

Everything is figureoutable; if there was ever a time to embrace this concept, it is most certainly now.  So many people are experiencing fear and uncertainty in this current world climate.  We can't change the circumstances of the covid19 pandemic, it is happening.  But we can absolutely change and control the way we think about it and handle it.

Have to work from home- no problem everything is figureoutable.
Lost your job temporarily- no problem everything is figureoutable.
Can't get onions from the supermarket- no problem everything is figureoutable.

I don't think Marie had a pandemic in mind when she wrote this book but her message is very transferrable and this is why I selected it for this months book club as I think we could all benefit from a little belief and attitude that everything is figureoutable.

Marie is well known for helping entrepreneurs start or improve their businesses.  I certainly think this book is targeting this audience.  However, what surprised me is really, this is a mindset book and is applicable to anyone faced with a challenge or change they want to make.

She guides us step by step through the book with simple exercises.  First, how to identify what our dream is and second, how to create the belief we need to step into being the person who creates it.  She also dishes out some great advice on how to create more time to put these changes into place.

If you are unwilling to make change or are offended by the odd 'F' bomb, then I would give this one a miss.

If you want some actionable steps and a health dose of positivity and tough love, this is the book for you.

 

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Wonder Woman’s Guide to Money

Wonder Woman's Guide to Money
The Busy Woman's Guide to Money Management and Wealth Building
Natasha Janssens

Written by a working mum of two, the Wonder Woman's Guide to Money addresses the plight of the modern-day 'Wonder Woman' and helps her shift the way she feels about money forever by providing the tools, strategies and insight to take control of her financial future.

The growing pressure on today's woman to 'do it all' is immense.  She has a career, runs the household and is the primary caregiver of her children, while still being held to outdated standards about her appearance and role in society.  Moreover, despite being the primary household spenders, research has found that women tend to shy away from money matters and tend to have less financial confidence than men.  Despite increasing about gender equality and closing the gender pay gap, progress is slow, and in some respects, non-existent.  In fact, a recent UBS study found that millennial women- more than any other generation - are leaving investing and financial planning decisions to their husbands and partners.  A decision that can leave many women in very vulnerable positions when things don't go to plan.

This book is a stepping stone to getting your finances on track.  Written by a woman for women.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

Spenditude

Spenditude
A life-changing attitude to money
Paul Gordan & Janine Robertson

There are a lot of books out there in the personal finance world that give you actionable steps to start managing your money and looking after it, to make more and support yourself in retirement.  However, one very important aspect that is often left out of these books is our mindset and our attitude towards money.  For example if you are an emotional eater, it doesn't matter how much exercise you do, if you always turn to food for comfort, you are never going to get in shape.  You first have to address the mindset.  It's exactly the same with money.  You can put strategies in place to improve your finances but again unless you examine what's happening on the inside- in our mind and our attitude towards money, it is going to be very hard to sustain long term healthy money habits.  Here is where Spenditude comes in and why it is such an important book to read.  You are not going to learn any get rich quick strategies here but what you will learn is how to first identify what your attitude towards money is and then how you can go about making change to develop the 'spenditude' you desire.  This book is a slow burn that I encourage you to come back to for a second read.  Please do not underestimate the importance of your thoughts, beliefs, mindset or 'spenditude' towards money.  Becoming aware of your spenditude and learning how to change it is life changing!  Get this book in your eyeballs!

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

GRIT

GRIT
Why passion and resilience are the secrets to success
Angela Duckworth

This is my favourite read for 2019. Psychologist Angela Duckworth presents in an engaging way, the fascinating reason why some people succeed and some don't, and it is not based on a fancy education or IQ, rather, it is based on what goes on in your mind when you fall down and a little attribute called GRIT.  Angela has done extensive study and research.  She presents her findings by sharing the engaging stories of those who have experienced a high level of success and what goes on their head when they meet adversity or road blocks to their goals.  The good news is grit can be learned!  Yes by reading this book, you too can learn how to develop traits that lead to success.  So good!  If you are working on trying something new and need some knowhow and inspiration to succeed, this is the book for you. I highly recommend this book.

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.

The Barefoot Investor for Families

The Barefoot Investor for Families
The only kids’ money guide you’ll ever need
Scott Pape

This is the best family and kids money guide I have read to date. Just like his first book Pape has a way of really simplifying financial concepts and strategies. He outlines exactly what you need to do to teach your children about money. And if you don’t know that much yourself don’t worry this book simplifies everything and you can learn as you read the book and or also pick up a copy of his first book The Barefoot Investor to get your personal finances in order first.

As a teacher I know first hand making things sound simple and easy is not as easy as you may think. I take my hat off to Scott Pape as financial literacy is so important and he has made it accessible to all Australian families. If you can teach your children the concepts and skills explained in this book you are setting them up for financial success for life. If you have children you need to read this book. Period!

 

Please note as an affiliate of Amazon Associates I receive a commission if you make a purchase by clicking through the Amazon links on this website.  This is at no extra cost to you.