What to Buy and What to Skip in September

Get ready for savings on big-ticket items this month! Retailers are looking to bring the crowds back after the big back-to-school storm has passed, and bargain prices are always a great way to attract shoppers. They also need to clear shelves before the holiday season blows in with its shopping frenzy. Add in the Labor Day sales that kick off the month, and it means big savings during September – but not on everything. Here’s what to buy and what to skip in September. 

Buy: Mattresses and bedding

Mattress sales practically give Labor Day its awesome name, and for good reason. You can find crazy-deep discounts on mattresses this month at almost any retailer that sells them. Top off the deal with some bedding and bath supplies, which are also selling at bargain prices. Be sure to start comparison-shopping at least a week or two before Labor Day to snag the best deal. After all, if you snooze, you lose. 

Skip: Halloween costumes and decor

Retailers might have you thinking Halloween is tomorrow, but you still have plenty of time to prep for Oct. 31. Though Halloween costumes and decor will hit the stores this month, it’s best to hold off on these purchases until October rolls around, as that’s the earliest you’ll start seeing scary-low discounts. 

Buy: Airfare

Since the days are getting shorter, it’s time to think winter! The holidays will be here before you can blink, and if you’re looking to grab airline tickets at a great price, you may want to shop for them now. The best deals on plane tickets usually show up eight weeks before the travel date, and for Thanksgiving, that means you’ll need to buy tickets in September. Look out for deals on tickets at the end of the month to save big on your travel plans. 

Skip: Autumn wear

It’s too early in the season for slashed prices on clothing. Pick up some essentials if you must, but you’re best off waiting until October or November to shop for your complete autumn wardrobe at sizzling-hot prices.

Buy: Plants

Hold onto summer a little bit longer with some vibrant greenery. All summer plants, trees and shrubs will be retailing at dirt-cheap prices this month as garden centers make room for autumn and holiday plants. This can be a terrific time to upgrade your property’s landscaping with some well-placed perennials. You can also find some fabulous deals on summer flowers, though you may not have much time left to enjoy them.

Skip: Electronics

Labor Day might bring some incredible deals on big-ticket items, but electronics aren’t among them. Instead, TVs, headphones, audio systems and more tend to see their lowest prices during Black Friday sale events. Wait just a little bit longer and you can snag a fantastic deal on an electronic item you’ve been eyeing for months. 

Buy: Denim

Jeans are a hot item during back-to-school shopping. Come September, retailers will slash prices to unload their unsold inventory. Cash in on a great deal by shopping these sales for a new pair of denim jeans this month. 

Buy: Beauty and skincare products 

Early autumn is a great time to stock up on beauty and skincare products. As college students pack up to head back to the dorm and consumers pick up skincare routines, prices may have dropped over the summer. Look for price cuts on products like shampoo, body wash, moisturizer and all kinds of cosmetics from Labor Day and on. 

It’s back to school, back to work and back to savings this month! Use this guide to know what to buy and what to skip in September. 

Your Turn: Have you picked up any great bargains in September? Tell us about them in the comments. 

8 Ways to Spot a Survey Scam

Survey scams are almost as old as the internet. They’re so prevalent, you can hardly spend an hour online without running into an ad for a “super quick” survey promising a reward for just a few minutes of your time. 

What actually happens, though, is that the scammer walks away with a free survey, or worse, your information and/or your money. The alert consumer can spot a survey scam easily, but fraudsters are unfortunately becoming more sophisticated at luring innocent victims into their schemes. 

Don’t get caught! Here are eight ways to spot a survey scam:

  1. You’re asked to pay to participate in a survey

Authentic survey companies need you – you don’t need them. There’s absolutely no reason to pay to take a survey of any kind. If you’re targeted by an ad asking you to take a survey and to pay for the privilege of doing so, don’t respond. 

  1. You’re asked to share sensitive information before you can take the survey

They’d really appreciate it if you could take this quick survey for them. They just need some information from you first, like your Social Security number, date of birth and maybe even your checking account number. If a survey company asks for anything more than basic information from you, sign out as quickly as you can. 

  1. They advertise on Craigslist and similar sites asking for your email address

“Survey companies” that advertise on sites like Craigslist asking you to share your email address are usually fronts for scam rings. They use the bogus surveys as bait so you will share your email address. Once they have this information, they’ll use it to spam you with scam emails, phishing schemes, malware or worse. Alternatively, they’ll sell your email address to another scam ring to be used for similar purposes. 

  1. They offer too much money

If a survey is offering you $100 for a 20-question survey that shouldn’t take you more than five minutes to complete, you can be sure you’re looking at a scam. No legitimate survey company is that desperate. The pay for authentic survey-taking is generally on a much more modest scale. 

  1. You’re directed to download attachments 

Any time an unknown contact asks you to download attachments to your device, be super-suspicious. More often than not, these are scams and the attachments are loaded with malware. Don’t respond to the offer, and if it was made via email, be sure to report the email address as spam. 

  1. They advertise aggressively

If the same solicitation for survey participation keeps popping up across your screen, you may be looking at a scam. Scammers tend to flood their targets with ads in the hopes that one of them will actually work. Similarly, if the survey offer is full of unbelievable testimonials of past

participants, you’re likely looking at a scam. Legitimate survey companies don’t need to try so desperately hard to get people to take their surveys. 

  1. They give you an hour to pre-qualify for the survey

Often, a survey company will want you to answer a few pre-qualifying questions to see if you fit their desired demographic. Scammers exploit the prequalification by having the target answer dozens of questions and then informing them they’ve run out of time and cannot participate in the actual survey. This is false, of course, and the questions the scammer just answered actually were the survey questions, only now they won’t be getting paid for it. Check to see if a survey has a time limit on the prequalification before you start answering questions. 

  1. They require an outrageous minimum before payment

Most legitimate survey companies require the survey taker to complete a minimum number of surveys before the first payment. However, scammers require their targets to take an unrealistic number of surveys before they receive their first paycheck. Often, the victim will just quit before they qualify for a payment and the scammers now have these completed surveys without paying anything for them. 

Survey-taking can be a great way to earn some pocket money, but survey scams are rampant. Follow these tips to stay safe!

Your Turn: Have you been targeted by a survey scam? Share your experience in the comments. 

The Power of One More: The Ultimate Guide to Happiness and Success

Title: The Power of One More: The Ultimate Guide to Happiness and Success 

Author: Ed Mylett

Hardcover: 272 pages

Publisher: Wiley

Publishing date: June 1, 2022

Who is this book for? 

  • Anyone looking for a way to live a happier life, enjoy better relationships and grow their wealth. 

What’s inside this book?

  • A culmination of revolutionary ideas Ed has built over the course of 30+ years as a successful entrepreneur, performance coach, bestselling author, podcaster and inspirational speaker. 
  • An actionable roadmap for achieving your personal and professional goals using tools you already have.
  • A meaningful discussion intersecting faith, energy and quantum science

4 lessons you’ll learn from this book:  

  1. The dynamics of team chemistry and how to utilize them to become a One More Multiplier.
  2. All about your Reticular Activating System and how to live in your Matrix.
  3. Why you should become an Impossibility Thinker and a Possibility Achiever.
  4. The power of developing one more positive habit, fighting one more battle, creating one more identity and building one more relationship.

4 questions this book will answer for you:  

  1. Can I really achieve my goals and dreams without any significant changes to my life circumstances?
  2. How can I remove the mental roadblocks that have been holding me back from success? 
  3. How do I tap into the superpowers that exist inside me?
  4. What steps do I need to take to take my life from ordinary to extraordinary?

What people are saying about this book: 

“The strategies in The Power of One More are universal. You can incorporate them into your life whether you’re a CEO, a world-class athlete, active in your community, or if you want to build better relationships with your family and friends.”

The Power of One More is a must-read for anyone seeking a happier and more successful life.

This groundbreaking book is the first of its kind, revealing how you can combine thoughts and actions to unlock dynamic and impactful changes.

“The premise of The Power of One More is simple: you are closer to living your best life than you may think.”

Your Turn: What did you think of The Power of One More? Share your opinion in the comments. 

Should I Buy an Electric Car?

Q: With gas prices soaring and expected to continue climbing into the foreseeable future, I’m wondering if this is a good time to consider purchasing an electric car. Should I buy an electric vehicle now?

A: Thousands of drivers are grappling with this question as gas prices peak. While an electric vehicle (EV) might be the right choice for many, there are lots of variables to consider before making this decision. Here’s what to know about electric cars before going this route:

What are some pros of owning an electric car?

The most obvious and prominent advantage of owning an electric vehicle is saving on fuel costs. Driving a car that runs on electricity instead of gasoline means saving money on a large expense category of your budget, month after month. Of course, the higher the cost of gas, the more you save. Right now, with most drivers experiencing pain at the pump, going electric is more popular than ever. Another budgeting bonus to consider is the fact that electricity costs tend to be far more stable than gasoline prices..

Another well-known advantage of driving an electric-powered car is the environmental benefits. Lower fuel emissions means a smaller carbon footprint on the environment, which is always a good thing.

Yet another advantage to EVs is their superior efficiency. EVs can convert more than 77% of their electric energy to power their wheels. In contrast, gas-powered cars can only convert 12-30% of the fuel stored in their gas tanks into driving power. 

What are some disadvantages of owning an electric vehicle?

There are several disadvantages to owning an EV to be aware of before making a purchase.

First, it’s important to note that the battery of every EV may need replacement sometime down the line. Federal regulations require automakers to cover the battery of their vehicles for a minimum of eight years or 100,000 miles, whichever comes first. Some automakers also cover battery degradation, which is when a full charge powers fewer miles than it should. However, if the battery dies after the warranty expires, the cost of replacing it, which can run from $5,000 and $16,000, will need to be covered by the owner. The good news is that, as EVs become increasingly more popular, they are also becoming less expensive to manufacture and the prices of their parts are decreasing as well. In addition, automakers are working to manufacture EVs with batteries that last longer than most drivers will own the vehicle. 

Another disadvantage to owning an EV is being limited in the number of miles you can drive before you will need to recharge your vehicle. The number of miles you can drive on a full charge, also known as the vehicle’s range, will vary with each car. Most EVs will average 250 miles of range. While this will cover most people’s daily commute, road-tripping in an EV will take some planning. Luckily, as electric cars become more commonplace, finding a charging station on a major highway is becoming a non-issue. However, if you plan to take many road trips with your EV, you may want to purchase a car that is capable of fast charging so you don’t have to spend hours at a charging station every few hundred miles on your trips. 

Can I charge my electric vehicle at home? 

Yes, you can charge your EV at home. Plug it in at night, and it’ll be ready to go in the morning. How’s that for convenience? 

However, before ordering a Tesla, it’s good to be aware that the standard 110-volt wall outlet (Level 1 charging) is relatively slow, adding approximately four miles of range per hour. If you depleted a full 250 miles of range, it can take several days to fully recharge your vehicle. If you’ll be charging your car outside, be sure to verify your charging cord is designed for outdoor use. 

Most EV owners hire an electrician to install a 240-volt outlet in their garage. This allows for Level 2 charging, which can add 25 miles of range per charging hour. Be sure to get a reliable quote to know the cost of such work. 

How much does electricity cost?

Electricity, though much cheaper than gas, typically isn’t free. The exact price will vary by state, so check how much electricity will cost in your own home state before purchasing an EV. 

To save more on charging your EV, consider these points: Charging an EV at home is typically less expensive than charging it at a public charging station – unless, of course, you find one of those rare cost-free public charging stations. In addition, charging your EV overnight, or on the weekend will cost less than charging it at peak times, such as weekday afternoons and evenings. You may want to reach out to your utility company to learn exactly what it’ll cost you to charge your vehicle. Some companies offer special plans for EV owners, so be sure to inquire about that as well. 

What kind of maintenance will my electric vehicle need?

A big bonus of owning an EV is having lower maintenance costs. Electric motors have fewer moving parts than gasoline engines. This makes EVs far easier to maintain than their gas-powered counterparts. In addition, many car parts, which generally need replacing after a while – like spark plugs, filters and oil – are irrelevant to EVs. This means fewer trips to the mechanic and significantly lower maintenance costs. 

How much will an electric vehicle cost?

All the convenience and long-term savings of an EV comes at a high price, and most of them have a higher starting cost than gas-powered cars. Of course, there’s a large range, starting with the Nissan Leaf at just $27,400 and going all the way up to the Tesla Model 3 at $58,990.

Fortunately, there are many government-sponsored incentives for purchasing an electric car. These incentives are offered on the federal, state and local government levels, so be sure to see what’s available before completing your purchase. It’s important to note, though, that many of these incentives are not open to every buyer and every kind of EV. For example, the most well-known incentive, the Federal Qualified PEV Tax Credit, which offers up to $7,500 off the MSRP of qualified EVs, is only available for the first 100,000 EVs an automaker manufacturers and is no longer available for the purchase of any Teslas. 

Your Turn: Have you recently purchased an electric car, or made the decision to hold onto your gasoline-powered vehicle? Tell us what drove your decision in the comments. 

The Ultimate Grad Gift Guide

Your soon-to-be grad has worked super-hard to reach this momentous occasion and to have their diploma in hand. Celebrate with your grad and show them how proud you are of their hard work and dedication with these low-cost, but awesome, gifts!

  1. ID lanyard

Make it easy for your grad to carry their ID and wallet around campus or the workplace. Super-cute and durable, these lanyards make the perfect graduation gift. 

  1. Oh the Places You’ll Go

You can’t go wrong with this Dr. Seuss classic! Whimsical, yet inspirational, it’s a great read for the older teen setting off into the big world of adulthood. Add your own words of wisdom to the front inside cover for a personalized touch. 

  1. College survival kit

Hit the dollar store and scour the aisles for a big basket and all sorts of stuff you can add to it for making a college survival kit or house/apartment warming kit. You can include essentials, like flip flops and hair ties, kitchen utensils and hand soap. Don’t shy away from having fun by adding extras, like Bluetooth speakers, wall decals and more!

  1. “Open when” letters

Your recent grad’s got a long road ahead of them, but you can make it a little easier with a few well-worded missives. Pen some letters for your grad to open at specific milestones and/or at more challenging times, such as after the first round of final exams, when they’re feeling homesick, when they need a laugh, after handing in their first term paper, etc. Your letters will be the gift that keeps on giving throughout their time in college.

  1. Picture collage

Help your grad have the most awesomely decorated room in college with a fantastic homemade picture collage! Check out their social media pages for the best snapshots of your grad and their friends and family. Then, put together a low-cost, meaningful gift they’ll always treasure. As a plus, they’ll think of you every time they see the collage hanging on their dorm room wall.

  1. Laundry essentials

Spring for an adorable laundry hamper and fill it with all your grad needs to master the wash. Think detergent, dryer sheets, stain remover and more. Add a cute note, like “Have LOADS of fun in college!” to complete the gift. 

  1. Chef’s special

Is your grad a foodie who’s thrilled to prep their own meals? A kitchen-phobic young adult who is worried about being in charge of their own meals? Either way, they’ll love a chef package to help them out. Take a huge mixing bowl, Bundt pan or another large, round cooking essential, and fill it with all they need to master the kitchen. You can load it up with spatulas, measuring cups and spoons, a cute apron, oven mitts, a skillet and more. To make it even more personal, fill a small cookbook with your favorite easy recipes for your grad to try out. If you don’t have a collection of recipes, you can purchase one of the many college cookbooks you’ll find on sites like Amazon.

  1. Bright light

If you’re looking for a cute way to present a cash gift to a grad, try this bright idea: Throw some money in a fake lightbulb and add a note that says “Wishing you a future that’s as bright as you are!” For a variation of this idea, insert cash into the photo slot of an empty picture frame and add a note that says, “In case of emergency, break glass!” Cash is always appreciated, and a creative presentation makes it personal and fun. 

Your grad is off to college or into the workforce soon. Show them how proud you are and prepare them for the exciting years that are ahead. Use these ideas to find the perfect low-cost gift for your grad. 

Your Turn: Have you found the perfect low-cost gift for your grad? Tell us about it in the comments. 

Should I Buy Out My Lease?

Q: My lease agreement is nearing its end, and I’m getting many offers to buy out my lease due to the current state of the economy. Should I ignore the hype, or is it really a good idea to buy out my lease?

A: With cars in hot demand, and selling at all-time high prices, many lease customers are looking at trade-in values for their vehicles with the intention of buying out their lease. While this can be a smart choice for many consumers, it’s important to consider all relevant factors before making a decision. Here’s what you need to know about buying out your lease.

What is a lease buyout?

Many drivers are confused by the offers they’re getting and the promotions they’ve seen for buying out leases. How is it possible to buy a lease when a leased vehicle, by definition, is essentially a rented car?

First, buying out a lease involves paying the car’s “buyout price” as specified in the lease contract, which makes you the car’s new owner. Second, it’s important to establish that buying out a lease generally makes the most sense when you are nearing the end of your lease term.   Finally, this may necessitate taking out an auto loan to afford the buyout price, just like you might do when purchasing a new or used car at a dealership.  

How can I determine my car’s buyout price?

To estimate how much you’d need to pay to buy your leased car, look for the term “residual value” in your lease contract. This tells you what your leased vehicle is expected to be worth at the end of the term, which may be months or years away. To reach your vehicle’s buyout price, add the residual value to any remaining payments. For example, if your car’s residual value is $25,000 and you owe another 10 payments of $500, the car’s buyout price is $30,000. Of course, the more time left on your lease, the higher price you can expect to pay to buyout.

Will I need to pay any fees in addition to the buyout price?

Depending on your home state, your vehicle’s buyout price may be subject to an auto sales tax. Your lender may also charge additional fees, such as a ‘purchase option fee’. It’s important to know about any additional fees you may need to pay in addition to the buyout price and to 

estimate the total you’ll be paying before deciding to purchase a leased car.

The good news is that you won’t be accountable for the typical lease-end fees, which can include the costs of reconditioning the vehicle for resale, fixing any damage the car may have incurred during your term, and an over-mileage penalty for every mile you may have driven over the official limit.  

What are the advantages of buying out a lease?

Many drivers are opting to buy their leased vehicles now due to the current state of the auto industry. Supply is low and both new and used cars are in high demand. A driver nearing the end of their lease agreement may find it challenging to purchase or lease another car. Buying a car you already lease will give you first dibs at a hot commodity.  

Some drivers are choosing to capitalize on the high demand for used cars by buying out their leases and then flipping the car to a dealership or selling it privately to a new owner. They assume they will earn enough from the sale to help offset the price of a new car. While this may be true, it’s important to remember that it may be difficult to find a new car in a desired model and at an affordable price.

Before taking out a loan to buy out a lease, find out what your car is actually worth. Due to the state of the market, it’s likely worth more than you’ll pay. However, if it’s worth less than the buyout price, you’ll be upside-down on your loan, which is never a good idea. In addition, you may find it difficult to qualify for a loan in an amount that is higher than the value of the asset.  

How do I buy out my lease?

If you decide to go ahead and buy out your lease, you’ll first need to run the numbers as described above to be sure it’s a financially responsible decision. When you have the total buyout price, your next step is to work on financing. You can choose to take out an auto loan or a personal loan to help cover the costs. 

Next, you’ll contact the company behind your lease and complete the purchase. The sale process will be similar to the sale of any car. Finally, be sure to notify your insurance company about the change in ownership of your vehicle. Leases generally require plans with low deductibles and high premiums, so you may want to choose a new plan with higher deductibles and lower monthly premiums.

If you’re looking to finance an auto loan for a lease buyout car, look no further than Advantage One Credit Union! Our auto loans offer low interest rates [see for current rates], easy payback terms and a quick approval process. Call, click or stop by to get started or discuss available options!

Your Turn: Have you bought your leased car? Tell us about your experience in the comments. 

Small Steps to Rich 2022: Personal Finance Made Simple

Title: Small Steps to Rich 2022: Personal Finance Made Simple 

Author: Kenneth Jeffrey Marshall

Paperback: 333 pages

Publisher: Judicial Corporation

Publishing date: October 6, 2021

Who is this book for? 

  • Anyone interested in improving their financial standing, regardless of educational background, age or income.

What’s inside this book?

  • A simple, three-step approach for growing wealth and maximizing investments
  • The most current info on interest rates, contribution limits, tax deductions and other financial matters 
  • Clear explanations and guidelines on diversification, credit scores, stocks, homebuying, investing, mortgages, financial advisors, annuities, bonds, CDs, dividends, high-yield savings accounts, insurance, cryptocurrencies, 401(k)s, IRAs, ETFs, mutual funds, trusts and more

4 lessons you’ll learn from this book:  

  1. How to maximize investment returns with mutual funds and ETFs.
  2. How to lower your taxes with IRAs, 401(k)s and other advantaged accounts.
  3. How to slash costs on your mortgages, student loans and other debt.
  4. How to control biases that interfere with good financial decision making.

4 questions this book will answer for you:  

  1. How do I know when and how to hire qualified financial professionals?
  2. What’s the perfect amount to save in government-insured accounts?
  3. How do I avoid making poor decisions during times of market turbulence?
  4. How can I utilize trust funds and ITF accounts to provide for my loved ones? 

What people are saying about this book: 

  • “This is a great book if you want to understand how to manage your personal finances. Many things in this book might be obvious, but it puts forth a great model for you to follow the obvious things you need to do.” 
  • “An easy read, with great insight.”

Your Turn: What did you think of Small Steps to Rich 2022? Share your opinion in the comments.

How to Save Big Bucks by Brown-Bagging Your Lunch

Did you know that choosing to bring your own lunch to work each day can save up to $3,000 a year? Each takeout lunch can easily cost $12 more than a homemade meal. If you’d put that money into an index fund and contribute to it for 25 years, you can save $500,000! 

Unfortunately, too many people end up buying out each workday because they don’t realize how much it costs them, or they simply fail to plan ahead. Others may think it would be too much of a hassle to shop for, prep and bring along lunch from home.

You can use this handy calculator to determine how much you can personally save each year just by brown-bagging it to work each day. And, if you find the idea of prepping lunch five days a week a bit overwhelming, you can choose to bring lunch from home on specific days of the week. 

Here are some hacks for brown-bagging it to work with all the savings and none of the hassle. 

Plan your menu and shop for it early

Don’t get stuck staring at the contents of your fridge and wondering what to take to work seven minutes before you need to leave in the morning.  Plan your lunch menu early in the week and add whatever you’ll need to your grocery list. To save even more, shop the sales and the seasons, and then base your lunch menu around those items. 

Marathon-prep at the beginning of the week

The thought of prepping lunch at the end of a long workday when all you want to do is veg out on the couch can be daunting. Instead, hold a marathon session at the beginning of the week to do as much labor-intensive lunch prep as you can. Slice and dice all your veggies for the week, split dressing into small containers, cook your pastas, wash fruit and tackle any other prep that can be done in advance. This way, you’ll only need to grab what you need each day from the fridge instead of facing an entire meal to prep and package. 

Partner up

It’s never easy to be the odd one out, and if you set yourself up to be the only one pulling out a homemade lunch while the rest of the office packs out to pick up lunch or orders in, you can end up giving up and joining the crowd. Try to find a like-minded partner to brown-bag it with you on the days you choose to bring lunch from home. Eat your lunches together; the companionship will make it easier for both of you to stick to your convictions.

Love your leftovers

Save even more money, and make lunch prep easier, by bringing dinner leftovers with you for lunch. You can repurpose a leftover protein to serve as a salad-topper or sandwich-stuffer, bring along a container of soup to warm up in the office microwave, or beef up your work lunch with some leftover rice, quinoa or another side dish. 

Brown-bagging it to work when everyone else is ordering takeout isn’t easy, but by using the tips outlined here, you can save a boatload of money on work lunch without the hassle. 

Your Turn: Do you bring lunch to work each day? Share your tips with us in the comments. 

Have it All: The Roadmap to Becoming a Self-Made Millionaire

Title: Have it All: The Roadmap to Becoming a Self-Made Millionaire

Author: Kris Krohn

Print length: 316 pages

Kindle file size: ‎ 4709 KB

Publisher: Uplife Press

Publishing date: Dec. 9, 2021

Who is this book for? 

  • Anyone looking to change the way they relate to money. 
  • Anyone looking for practical investment advice.

What’s inside this book?

  • Actionable tips for improving your financial reality.
  • A step-by-step guide for financial success. 

4 lessons you’ll learn from this book:  

  1. How to outsmart the old money rules and follow the new ones. 
  2. How to achieve true financial freedom. 
  3. How to create active, passive and positive asymmetric risk.
  4. How to find profitable Returns on Investment (ROIs).

4 questions this book will answer for you:  

  1. How can I unlearn all that society has taught me about money management? 
  2. What do I need to know to be a savvy investor?
  3. Can I really enjoy my life despite having limited financial opportunities?
  4. Can I improve my finances without a large windfall?

What people are saying about this book: 

  • “Kris goes into depth on different topics to cover everything from real estate to stocks and how to start building a financial portfolio and live a better life!”
  • “Insightful, motivational and really inspiring!”
  • “This book gave me the hope and encouragement I needed, that yes, I can have it all. I love how Mr. Kris Krohn tells us exactly how we need to break those limiting beliefs and allow ourselves to enjoy life to the fullest. This book is so relatable and inspiring.”
  • “If you’re trying to figure out how to become financially free and where to start, then this is the book for you. This is the book that will set you on the next level of your life and get you ready for financial freedom in three to five years!”

Your Turn: What did you think of Have it All? Share your opinion in the comments. 

My Money My Way: Taking Back Control of Your Financial Life

Title: My Money My Way: Taking Back Control of Your Financial Life

Author: Kumiko Love

Hardcover: 240 pages

Publisher: Portfolio

Publishing date: Feb. 1, 2022

Who is this book for? 

  • Single women looking for tips on managing finances on their own. 
  • Anyone who’s ever battled feelings of guilt, shame, doubt and/or deprivation in relation to money. 
  • Individuals looking to live a financially emancipated life. 

What’s inside this book?

  • Kumiko’s story of how she went from a newly divorced mom pulling in just $24,000 a year and facing $77,000 in debt to living completely debt-free in a home she bought with cash. 
  • Stories of moms, like Kumiko, who successfully navigated divorce and the financial challenge of making it alone.
  • Practical tools and tips for letting go of shame and deprivation for living a financially secure and fulfilling life. 

4 lessons you’ll learn from this book:  

  1. How to harness your emotions to your financial benefit, instead of letting them control you and drive your money choices. 
  2. How to create a budget based on your actual life, not a life of self-deprivation.
  3. How to create a debt payoff plan that can work.
  4. How to build a positive relationship with money. 

4 questions this book will answer for you:  

  1. How can I reverse negative thinking patterns that I’ve grown accustomed to?
  2. How can I align my emotional health with my financial health? 
  3. Can I take control of my finances with a low income and high credit card debt?
  4. Do I need to live with constant deprivation to have a financially secure life?

What people are saying about this book: 

  • “It’s no surprise that millions of people flock to Kumiko Love for her financial advice. She’s able to do the impossible: teach others about money in a non-judgmental, down-to-earth way while also making concepts, like budgeting and debt-repayment, exciting and fun.” – Jessica Moorhouse
  • “No shame. No condescension. Just real, practical money talk from a woman who lives it. Kumiko reminds us that our money struggles and mistakes are not a reflection of who we are or what we can achieve. And her tools and strategies offer an easy-to-follow framework for using money to build a lifestyle you love.” – Stefanie O’Connell Rodriguez
  • “If you’re ready to break free from a dysfunctional relationship with money and build wealth from a place of strength, Kumiko’s book is a must-read.” – Marie Forleo
  • “It’s so wonderful to see more voices join the movement that money shouldn’t be rigid or restrictive. Kumiko Love and her money management style will help you feel seen and capable instead of shamed and distressed — no matter the money mistakes in your past.” – Erin Lowry

 Your Turn: What did you think of My Money My Way? Share your opinion in the comments.