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Books on budgeting all seem the same. For the most part, these books cover the budgeting basics and beyond…
These books discuss the basics of finance:
- Creating a financial plan.
- How to make a budget.
- Becoming debt-free.
- Savings and investment.
All of this is really important stuff. no doubt about that.
But people who struggle to just get by every single week may find it difficult to make the money they have coming in meet their budget requirements.
That is where these books on saving money and budgeting come into play.
The point of the books on this list is to give PRACTICAL ADVICE on saving money.
Every one of these books will not give you the same old advice on how to make the budget. These money saving and budgeting books will show you how to make your limited cash flow stretch to reach your budget needs.
These are as much books on frugal living as they are personal budgeting and debt relief books. They discuss specifics on “how to save money” not just give you platitudes on spending less money but to give actionable advice on how to get by on a shoestring budget and still pay down any debt.
(IMPORTANT: Be sure to check out this blog post that profiles 17 money-saving apps that can help you afford your biggest goals.)
That is what makes this collection of books on saving money a bit unique, and very practical.
Even if you have already read some of the best introductory finance books available, these books still have a lot to teach you. If not about the science of budgeting and saving at least about the art of making your income meet your budgetary needs.
If you want to learn how to budget, debt proof living, investing and the 7 money rules for life read the complete money makeover by Dave Ramsey. But if you want to make your dollar stretch further, then read any of these books on frugal living, budgeting, saving money and climbing out of debt.
Table of Contents
1. The Simple Dollar by Trent A. Hamm
Takeaways:
- The Simple Dollar offers practical advice on personal finance, providing strategies for budgeting, saving, and achieving financial freedom through simple and sustainable practices.
- Trent A. Hamm emphasizes the importance of mindful spending and long-term financial planning, advocating for a balanced approach to managing money and resources.
- The book provides insights into frugality and the value of living within one's means, offering actionable tips for reducing expenses and making informed financial decisions.
- The Simple Dollar encourages readers to prioritize financial well-being and adopt a mindset of financial responsibility, promoting the pursuit of a more intentional and fulfilling relationship with money.
- Hamm's work serves as a valuable resource for individuals seeking to improve their financial literacy and achieve greater financial stability, offering practical guidance on managing money and building a secure financial future.
Trent Hamm uses The Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams as a platform to tell about his personal experience with freeing himself from debt slavery, and how the process was able to provide him with some long-lost happiness.
This account of how Hamm was successful in doing this and the positive changes it brought to his life helps readers use his ideas to achieve his same success.
This book helps to unclutter people's financial situations and results in a more rewarding life. Going from debt to wealth himself, Hamm is able to prepare the reader for both the expected and the unexpected complexities of personal budgeting in today's economic world.
This book is full of practical tips and tools that the reader can apply to their own life. Its ability to be motivating and empowering helps the reader to proactively create healthier relationships with both money and people.
Using personal anecdotes, Hamm is able to engage the reader throughout the book and keep them focused. He also gets right to the point without adding in a lot of fluff material, so you never feel like you are wasting your time reading through things that are not important.
While a lot of the points in this book are already made on his blog, this is still a great place to put his message together to help readers achieve the financial success that he has.
2. 365 Ways to Live Cheap by Trent Hamm
Takeaways:
- 365 Ways to Live Cheap offers a wealth of practical tips and strategies for saving money and living frugally, providing actionable advice for individuals seeking to reduce expenses and achieve financial security.
- Trent Hamm shares insights on budgeting, smart shopping, and resourceful living, presenting a diverse array of frugal living suggestions suitable for various lifestyles and circ*mstances.
- The book encourages readers to cultivate a mindset of mindful spending and resourcefulness, promoting the value of making intentional choices to stretch one's resources and live more economically.
- 365 Ways to Live Cheap serves as a comprehensive guide for individuals looking to optimize their finances, offering creative and sustainable approaches to minimizing costs and maximizing value in daily life.
- Hamm's work provides a valuable resource for individuals seeking to enhance their financial well-being, offering a multitude of practical and actionable suggestions for living frugally and making the most of available resources.
365 Ways to Live Cheap: Your Everyday Guide to Saving Money is certainly a frugal living book. But it also discusses ways to save long-term money. For example, using cold water while washing your clothes can save almost $65 a year, while investing in a deep freezer and buying food in bulk can save on groceries.
Hamm encourages his readers to take a look at their own lives and to realize that there are many ways to live on less. Offering a multitude of ways to cut costs, this book on saving money still makes sure that you are living a lifestyle that is satisfying for you.
While some of the tips in this book have been around for a long time, this is a great place to brush up on some money-saving tricks and see what new things you can learn that might help you save.
This book does a great job in pointing out some of the needless everyday spending that people tend to do. It helps readers identify the extra expenses in their own lives that can be cut for the long-term good.
3. Couponing for the Rest of Us by Kasey Knight Trenum
Takeaways:
- Couponing for the Rest of Us offers practical insights and strategies for individuals interested in saving money through couponing, providing tips tailored for a wide range of lifestyles and schedules.
- Kasey Knight Trenum shares advice on leveraging coupons effectively, emphasizing the importance of organization, planning, and understanding store policies to maximize savings.
- The book encourages readers to adopt a strategic and mindful approach to couponing, offering guidance on finding, organizing, and using coupons to achieve significant discounts on everyday purchases.
- Couponing for the Rest of Us serves as a valuable resource for those seeking to optimize their budget through couponing, offering practical advice and real-world examples to help readers navigate the world of coupon savings.
- Trenum's work provides actionable strategies and insights for individuals looking to harness the power of coupons to reduce expenses and make the most of their household budget.
Couponing for the Rest of Us: The Not-So-Extreme Guide to Saving More is a great book for people who like the idea of couponing, but don't like the idea of spending their time doing it.
Trenum is well aware of the fact that people do not want to spend time clipping coupons, but also knows how much money coupons can save families in this tight economy.
This book helps people find coupons for what their family eats, ways to cut down on Internet bills, how to determine sale cycles, and how to make shopping less stressful.
The author shows the reader how easy it is to save money on everyday things so that they can have a bit more financial freedom.
An empowering and honest read, Couponing for the Rest of Us: The Not-So-Extreme Guide to Saving More is also humorous, so it is relatable and easy to read. With the author being a wife and mother, she is able to deeply connect with readers who are also in those same roles.
One of the best things about this book is that it is not about extreme couponing—it is about manageable things that people can do while they are shopping to help save money.
4. Money Secrets of the Amish by Lorilee Craker
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Takeaways:
- Money Secrets of the Amish offers valuable financial wisdom inspired by the frugal and community-oriented lifestyle of the Amish, providing insights into simple living, thrift, and financial stewardship.
- Lorilee Craker shares practical advice on budgeting, saving, and mindful spending, drawing from the timeless principles of Amish money management to offer actionable strategies for modern readers.
- The book emphasizes the importance of resourcefulness, contentment, and community support in achieving financial security, highlighting the value of living within one's means and making intentional financial choices.
- Money Secrets of the Amish serves as a source of inspiration for individuals seeking to enhance their financial well-being, offering a unique perspective on frugality, gratitude, and the pursuit of a more meaningful and sustainable relationship with money.
- Craker's work provides actionable insights and real-life examples that showcase the enduring wisdom of Amish financial practices, offering readers a roadmap for achieving greater financial stability and contentment.
What is it about the Amish that has allowed them to not just survive but actually thrive during times of economic turmoil?
Money Secrets of the Amish: Finding True Abundance in Simplicity, Sharing, and Saving gets to the bottom of that mystery and presents the reader with many tried and true Amish financial habits that can be related to anyone's financial reality.
These habits have been used for generations and can help make cash last longer and accumulate wealth.
This book is fun to read in the sense that the author provides catchy phrases to live by, such as “use it up, wear it out, make do, or do without” and “repurpose, recycle, and reuse.” The smart money-saving ideas illustrated are practical even for those who do not live a life as sensible as the Amish.
This book on saving is both touching and humorous while providing an eye-opening account of how the Amish make ends meet. The stories talk about trading for goods and services, bargaining, living with less, staying out of debt, and even stopping the habit of trying to impress others.
This book isn't so much about making money as it is about discipline, family, and redefining what it means to be wealthy. It encourages the reader to see more clearly what is really valuable in life, and helps to inspire people to change their views on life.
This is an easy read that will help anyone minimize their consumerism. While there is not a lot of new advice in here for people who already live frugally, it provides a great look into the lives of a different culture that has been able to be financially successful while others have not.
5. The Budgeting Habit by SJ Scott and Rebecca Livermore
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Budgeting is the key to success in personal finance. If you do not have a good grasp of your finances through a budget it is hard to manage your money.
The Budgeting Habit: How to Make a Budget and Stick to It! gives step-by-step process that will help you master budgeting.
Let’s face it. Budgets are boring. This is not a flashy topic, like making money, investing or starting a side hustle. It is drab and boring. Like brushing your teeth.
But what brushing your teeth is to personal hygiene, budgeting is to finance. It may be boring but doing it right is the lynchpin on top of which all financial success rests.
In this book, we tried to make budgeting as interesting as it possibly could be. But more importantly, we strive to give a practical guide to create a simple, but effective budget. More importantly, this book teaches you how to make a habit out of following your budget, making a budget that much more effective.
6. Cut Your Grocery Bill in Half With America's Cheapest Family by Steve Economides and Annette Economides
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Takeaways:
- Cut Your Grocery Bill in Half With America's Cheapest Family offers practical strategies and tips for reducing grocery expenses and maximizing savings, providing actionable advice for budget-conscious shoppers.
- Steve and Annette Economides share insights on meal planning, smart shopping, and frugal cooking, presenting a comprehensive approach to economizing on food costs without sacrificing quality or nutrition.
- The book encourages readers to adopt a strategic and intentional approach to grocery shopping, offering guidance on leveraging sales, coupons, and bulk buying to achieve significant reductions in food expenses.
- Cut Your Grocery Bill in Half With America's Cheapest Family serves as a valuable resource for individuals seeking to optimize their grocery budget, providing practical advice and real-life examples to help readers make the most of their food dollars.
- The Economides' work provides actionable strategies and insights for individuals looking to streamline their grocery spending and make the most of their household budget, offering a roadmap for achieving substantial savings on food expenses.
Cut Your Grocery Bill in Half With America's Cheapest Family: Includes So Many Innovative Strategies You Won't Have to Cut Coupons is a great book for people who want to save money on their everyday groceries without spending the time that is needed to search for coupons.
The authors offer tips that can cut down on your shopping trips to once-a-week or less while eating healthier and saving money. Written by a husband and wife who practice what they preach, this is a relatable book with a lot of realistic tips.
Known as “America's Cheapest Family,” the authors present strategies and tricks to save money annually by cutting down on grocery bills. One of the best things about this book is that the tips provided are useful whether you live by yourself or have a family of seven.
This frugal living book is an easy and light read that inspires people to make small changes that can result in large pay-offs. While it may be hard to believe that a family can cut their grocery bill in half, the authors provide step-by-step instructions to do so.
This page-turner has something to learn in each chapter. The reader does not have to finish the entire book before beginning to save money. The money-saving ideas start right away, and the book is easy to jump around in if you want to skip chapters or go back to reread something.
Some of the tips in this book are likely repeats for a lot of people, but they are solid pieces of advice that are worth revisiting. Unlike some other books, this one includes recipes and meal suggestions that are great for people living on a budget.
One of the best frugal living books out there. This book has so many ways to save, and provides a ton of actionable advice to help families meet their budget needs.
7. You Are a Badass at Making Money by Jen Sincero
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Takeaways:
- You Are a Badass at Making Money offers empowering insights and strategies for transforming one's mindset and relationship with money, providing a fresh perspective on wealth creation and financial abundance.
- Jen Sincero shares practical advice on overcoming limiting beliefs, embracing risk, and taking bold action to achieve financial success, drawing from personal experiences and anecdotes to inspire readers.
- The book encourages readers to cultivate a positive and proactive mindset towards money, offering guidance on harnessing the power of intention, gratitude, and self-belief in the pursuit of financial prosperity.
- You Are a Badass at Making Money serves as a motivational and practical guide for individuals seeking to elevate their financial reality, offering actionable steps and mindset shifts to unlock their earning potential.
- Sincero's work provides a blend of motivational insights and actionable strategies, empowering readers to break through self-imposed barriers and step into their capacity for creating wealth and financial abundance.
Jen Sincero had a blockbuster hit with her debut book, You are a Badass. This book helped people to come to terms with the things that were holding them back in life and keeping them from reaching their potential.
She does the same thing with You Are a Badass at Making Money: Master the Mindset of Wealth. Except she does it for money.
She helps people to understand the things that are holding them back financially. She helps people reach their money making potential, and shows us the proper mindset to achieve financial success. And she does all this with a unique style and sass that made people love the first book.
8. The Minimalist Budget by Simeon Lindstrom
Takeaways:
- The Minimalist Budget offers practical guidance on simplifying finances and prioritizing spending based on personal values, providing a minimalist approach to achieving financial freedom and contentment.
- Simeon Lindstrom shares insights on decluttering expenses, mindful consumption, and intentional living, presenting a holistic perspective on budgeting that aligns with minimalist principles.
- The book encourages readers to reassess their relationship with money and possessions, offering strategies for reducing financial clutter and aligning spending with long-term goals and fulfillment.
- The Minimalist Budget serves as a valuable resource for individuals seeking to streamline their finances, providing actionable advice and mindset shifts to cultivate a simpler and more intentional approach to money management.
- Lindstrom's work provides practical strategies and thought-provoking insights for individuals looking to embrace minimalism as a means of achieving financial clarity, reducing stress, and fostering a more meaningful and intentional lifestyle.
I love simple things. Far too often books on finance are overly complex. It is more efficient to have short, quick but practical advice. That is what I feel this collection of three budgeting books gives.
Each “book” is fairly short, but they are all quick and easy reads thoroughly covering different aspects of proper budgeting.
However, although I liked them because they are easy to follow and logical, I would also have liked more practical examples.
In many ways The Minimalist Budget BOXED SET – A Practical Guide On How To Spend Less and Live More were as much about forming the proper budgeting mindset as they were about the aspects of how to actually make a budget.
Of all three “books”, the third section has the most practical advice for how to actually make that budget. So stick around until the end.
9. 31 Days of Living Well and Spending Zero by Ruth Soukup
Takeaways:
- 31 Days of Living Well and Spending Zero offers a practical and actionable guide to a month-long spending freeze, providing strategies for saving money, decluttering, and reevaluating consumption habits.
- Ruth Soukup shares insights on frugal living, intentional consumption, and creative ways to repurpose resources, offering a comprehensive approach to resetting spending patterns and achieving financial mindfulness.
- The book encourages readers to embrace a minimalist and resourceful mindset, providing a step-by-step plan to reduce expenses, make do with what is on hand, and find contentment in simplicity.
- 31 Days of Living Well and Spending Zero serves as a valuable resource for individuals seeking to reset their relationship with money and possessions, offering actionable steps and practical tips for a transformative spending freeze experience.
- Soukup's work provides a roadmap for individuals looking to recalibrate their spending habits, declutter their lives, and cultivate a more intentional and mindful approach to living well within their means.
This step-by-step book may be helpful for you if you feel like your budget has gone off track and you can't make it to the end of the month without counting your pennies. The author provides advice on how to do a month of no spending to reset your spending habits and get you back on your feet.
31 Days of Living Well and Spending Zero: Freeze Your Spending. Change Your Life offers a month of daily challenges for spending less money, and, in some cases, no money.
There are innovative tips on how to gain confidence in planning meals, organizing the home, and becoming more creative without spending money.
With the instant changes that the author provides, readers are motivated to live a month of zero spending while still finding joy in it. There are new ideas on what to do with old food, and even some budget-friendly ways to repurpose things you already have.
With anecdotes from people who have successfully completed this challenge, this book offers encouragement and inspiration to its readers. It includes easy tricks for selling things you own and cutting down on your grocery bill.
It helps change the reader's attitude about the things that matter the most in life, and that will bring a new level of joy and togetherness to the household.
This book may not be for you if you live alone and are looking for ways to cut costs, but it is great for families with houses and children who want to save money but don't think they can.
10. Living Well, Spending Less! by Ruth Soukup
Takeaways:
- Living Well, Spending Less! offers practical advice on simplifying life, managing finances, and finding contentment, providing a holistic approach to living a more intentional and fulfilling life.
- Ruth Soukup shares insights on decluttering, budgeting, and prioritizing values, offering a blueprint for achieving a balanced and purposeful lifestyle while managing resources wisely.
- The book encourages readers to reassess their spending habits and embrace simplicity, providing actionable strategies for reducing excess, minimizing waste, and aligning spending with personal goals and values.
- Living Well, Spending Less! serves as a valuable resource for individuals seeking to streamline their lives and finances, offering practical guidance and mindset shifts to cultivate a more intentional and contented way of living.
- Soukup's work provides a blend of actionable strategies and inspirational insights, empowering readers to make mindful choices, declutter their lives, and pursue a path to living well within their means.
Living Well, Spending Less!: 12 Secrets of the Good Life is all about finding balance in a chaotic life and budget. Ruth Soukup knows firsthand how stressful an unorganized life and budget can be.
Through her account, the author tells personal stories and provides practical action plans to inspire the reader to make lasting changes to personal finances and goals.
This may be a great savings book for you if you are looking for encouragement during an overwhelming or stressful time trying to meet tight budget requirements. It is aimed towards mothers who are trying to juggle life's demands with society's pressure to keep up with everyone else.
It is a practical and relatable guide for women who want to get their lives organized but don't know where to start. It provides an inspiring and practical lesson on how to spend money wisely without compromising a great life.
While this book does have a largely autobiographic feel to it, some may find this helpful because the author's personal stories relate to her overall message.
11. The Year Without a Purchaseby Scott Dannemiller
Takeaways:
- The Year Without a Purchase chronicles the author's transformative journey of living a minimalist lifestyle by abstaining from non-essential purchases for an entire year, offering profound insights into consumerism, contentment, and intentional living.
- Scott Dannemiller shares reflections on simplifying life, reevaluating priorities, and finding fulfillment beyond material possessions, providing a compelling narrative that challenges conventional notions of consumption and happiness.
- The book encourages readers to reconsider their relationship with materialism and consumption, offering a thought-provoking exploration of the impact of mindful spending and the pursuit of a more purposeful and contented existence.
- The Year Without a Purchase serves as a source of inspiration for individuals seeking to break free from the cycle of consumerism, offering a compelling narrative and actionable insights on embracing simplicity and finding joy beyond material accumulation.
- Dannemiller's work provides a heartfelt and introspective account of the transformative power of intentional living, inspiring readers to reassess their priorities, declutter their lives, and pursue a path to greater fulfillment and contentment.
The Year Without a Purchase: One Family's Quest to Stop Shopping and Start Connecting on saving money is an account of one family's quest to change their outlook on life by stopping shopping and starting to connect with each other.
It was written by a former missionary who served in Guatemala, and whose family found itself deep in a life of consumption with a never-ending cycle of wanting more but never being satisfied. The family made the drastic change of deciding to not purchase any nonessential items for a whole year.
Readers may begin this book doubting that they could go an entire year without buying clothes or books, but through the humorous wit and poignant conclusions from the author, this book helps readers see their spending in a new light.
Full of interesting research, the book looks at modern America's spending habits, along with the authors’ own experience of highs and lows while dropping out of the consumer culture.
The book does a great job of revealing what is truly important in life—which has nothing to do with gift-giving or keeping up with the neighbors. The family discovers and shares truths about human nature and what the secret is to finding joy.
This may be a valuable book for anyone who has ever wanted to reduce the stress in their life by focusing less on material items and living more.
12. The One Week Budget by “The Budgetnista” Tiffany Aliche
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Takeaways:
- The One Week Budget offers a practical and accessible guide to financial planning, providing a step-by-step approach to creating and implementing a budget within a week.
- Tiffany Aliche, known as “The Budgetnista,” shares insights on budgeting, saving, and debt management, offering actionable strategies and tools to empower readers to take control of their finances.
- The book encourages readers to adopt a proactive and organized approach to money management, providing guidance on setting financial goals, tracking expenses, and building a sustainable budgeting system.
- The One Week Budget serves as a valuable resource for individuals seeking to improve their financial literacy and achieve greater financial stability, offering practical advice and real-world examples to help readers navigate the process of budgeting.
- Aliche's work provides an accessible and empowering roadmap for individuals looking to gain control over their finances, offering a comprehensive plan to create and implement a personalized budget in a short timeframe.
The One Week Budget: Learn to Create Your Money Management System in 7 Days or Less! is a workbook for anyone who wants to manage their everyday money without the hassle of figuring out how it is best spent. A fun and empowering read, it shows readers how to make frugal decisions while still living a fabulous life by doing more with less.
This book helps to debunk some common misconceptions about things, such as consolidating credit cards and paying off debt. It presents a clear and simple system for cutting expenses and maximizing savings to meet financial goals.
The methods used in this budgeting book are for people of any age, but the book is geared more towards young adults who are climbing out of debt trying to get on their feet.
13. How to Stop Living Paycheck to Paycheck (2nd Edition) by Avery Breyer
Takeaways:
- How to Stop Living Paycheck to Paycheck offers practical strategies for breaking the cycle of financial scarcity and achieving greater stability, providing actionable steps to build savings, reduce debt, and create a more secure financial future.
- Avery Breyer shares insights on budgeting, saving, and investing, offering a comprehensive approach to managing money and gaining control over one's financial situation.
- The book encourages readers to adopt a proactive and disciplined approach to money management, providing guidance on building emergency funds, increasing income, and making informed financial decisions.
- How to Stop Living Paycheck to Paycheck serves as a valuable resource for individuals seeking to enhance their financial well-being, offering practical advice and real-life examples to help readers navigate the path to financial security.
- Breyer's work provides actionable strategies and empowering insights for individuals looking to break free from the paycheck-to-paycheck cycle, offering a roadmap for achieving greater financial freedom and peace of mind.
This timeless bestseller offers the motivation and knowledge that is needed in order to build up a security net of emergency cash, get out of debt, and avoid the 11 most common but worst budget traps.
Breyer offers her readers some of the most important things that need to be done to take control of finances and pay off debt. Unlike some of the other books on saving money that you find in this post.
Avery's saving moneyThis book teaches a complete budget system that is even appropriate for young adults who are just getting started—and the methods only take 15 minutes each week to maintain.
This straightforward budget-planning tool helps transform finances to eliminate financial stress. To improve upon the first bestselling book, this edition adds a chapter on money and happiness, which is one of the most important factors when it comes to needless spending.
How to Stop Living Paycheck to Paycheck (2nd Edition): A proven path to money mastery in only 15 minutes a week! (Smart Money Blueprint) might be one of the best budgeting and savings books for you if you find that your emotions are often tied to your bank account and you have started to lose control of your finances.
14. How to Manage Your Money When You Don't Have Any (Second Edition) by Erik Wecks
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Takeaways:
- How to Manage Your Money When You Don't Have Any offers practical and empathetic advice for individuals facing financial hardship, providing actionable strategies and tools for making the most of limited resources.
- Erik Wecks shares insights on budgeting, frugal living, and resourcefulness, offering a compassionate and realistic approach to managing money during challenging circ*mstances.
- The book encourages readers to adopt a proactive and resilient mindset towards financial management, providing guidance on prioritizing needs, finding creative solutions, and building a foundation for future financial stability.
- How to Manage Your Money When You Don't Have Any serves as a valuable resource for individuals seeking to navigate financial adversity, offering practical advice and real-world examples to help readers make informed and empowering financial choices.
- Wecks' work provides actionable strategies and compassionate insights for individuals looking to manage their finances effectively despite limited means, offering a roadmap for achieving greater financial resilience and hope for the future.
Unlike other money books, How to Manage Your Money When You Don't Have Any (Second Edition) is written specifically for people who struggle each month paying their bills.
It talks the reader through a no-nonsense look at the realities of today’s economy and provides an easy path to follow toward financial stability.
Also, unlike other financial authors, Wecks hasn't struck it rich. He is able to offer a first-hand account of living on the money you have during rough times. Instead of teaching people how to create wealth, this book urges readers to do the best they can with the income they already have, no matter its size.
With jargon-free writing, this book saving and budgeting is easy for anyone to pick up, no matter what the financial background. It is opinionated, which may not resonate with all readers, but it also has its moments of humor.
This is a quick read that is relevant to readers, as it is full of current, everyday references. This is an ideal book for the average reader who is just trying to make ends meet.
15. Living a Beautiful Life on Less by Danielle Wagasky
Takeaways:
- Living a Beautiful Life on Less offers practical guidance on simplifying life, managing finances, and finding contentment, providing a holistic approach to living a more intentional and fulfilling life.
- Danielle Wagasky shares insights on frugal living, intentional consumption, and creative ways to repurpose resources, offering a comprehensive perspective on minimalist and purposeful living.
- The book encourages readers to reassess their spending habits and embrace simplicity, providing actionable strategies for reducing excess, minimizing waste, and aligning spending with personal goals and values.
- Living a Beautiful Life on Less serves as a valuable resource for individuals seeking to streamline their lives and finances, offering practical guidance and mindset shifts to cultivate a more intentional and contented way of living.
- Wagasky's work provides a blend of actionable strategies and inspirational insights, empowering readers to make mindful choices, declutter their lives, and pursue a path to living well within their means.
Written by someone with first-hand experience, Living a Beautiful Life on Less: The Blissful and Domestic Guide to Food, Fun, and Finances shows people how to live happily on a very small amount of money.
It includes realistic tips and real-life examples to help the reader relate to what the author has been through, and learn from her experiences.
This book on budgeting is easy to read, as it is written in a casual and conversational tone. It is a funny book while also being encouraging for anyone who needs help navigating their finances and maintaining their budget.
This book is clearly geared more towards women and mothers who are managing the budgets for their households. It can provide hope to a lot of people who are just starting out on their financial journey.
16. The Everything Budgeting Book by Tere Stouffer
Takeaways:
- The Everything Budgeting Book offers a comprehensive guide to budgeting, providing practical strategies and tools for creating and maintaining a personalized budget that aligns with individual financial goals.
- Tere Stouffer shares insights on money management, saving, and reducing debt, offering a step-by-step approach to budgeting that empowers readers to take control of their finances.
- The book encourages readers to adopt a proactive and organized approach to financial planning, providing guidance on tracking expenses, setting priorities, and making informed spending decisions.
- The Everything Budgeting Book serves as a valuable resource for individuals seeking to improve their financial literacy and achieve greater financial stability, offering practical advice and real-world examples to help readers navigate the process of budgeting.
- Stouffer's work provides an accessible and empowering roadmap for individuals looking to gain control over their finances, offering a comprehensive plan to create and maintain a budget that supports long-term financial well-being.
The Everything Budgeting Book: Practical Advice For Saving And Managing Your Money – From Daily Budgets To Long-Term Goals gives a lot of practical budgeting do’s and don'ts. It does live up to its promise of covering everything about budgeting from cradle to grave.
However, the book was written over 5 years ago and the age has begun to show a little bit. There is still a ton of good info here, just some that is dated. If you know little about budgeting this could be a great book for you.
This book gives step-by-step instructions on how to handle the most important aspects of personal finance. Such as: How to spend less money. Ways to decrease your common expenses.
How to keep you finances in order. The importance of planning for the unexpected. Setting financial goals. And of course creating a budget.
17. The Latte Factor by David Bach and John David Mann
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Takeaways:
- The Latte Factor emphasizes the power of small daily choices in achieving financial freedom, offering a compelling narrative that explores the impact of incremental changes on long-term wealth-building.
- David Bach and John David Mann share insights on budgeting, saving, and investing, presenting a relatable and actionable approach to financial management that resonates with readers at any income level.
- The book encourages readers to reassess their spending habits and embrace the concept of paying oneself first, providing guidance on prioritizing financial goals and making intentional choices to build wealth over time.
- The Latte Factor serves as a valuable resource for individuals seeking to transform their relationship with money, offering practical advice and mindset shifts to cultivate a more intentional and prosperous financial future.
- Bach and Mann's work provides a blend of relatable anecdotes and actionable strategies, empowering readers to make informed financial decisions and harness the potential of small changes to create a more secure and fulfilling financial life.
In The Latte Factor: Why You Don't Have to Be Rich to Live Rich, Bach and his co-author cover the three secrets to financial freedom.
They do this by telling a parable of a young barista struggling to make ends meet as she is drowning in a sea of debt. As the story evolves she discovers the secrets of wealth and learns the few changes she can make to secure her financial future and live a better life.
I love books like this that blend entertainment and practical knowledge into an enjoyable book. Based on Bach’s other books I am sure that this will be an entertaining and educational book. Find out more in the link(s) below.
18. Your Money or Your Life by Vicki Robin and Joe Dominguez
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Takeaways:
- Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence (Fully Revised and Updated) presents a transformative approach to personal finance, offering a comprehensive guide to achieving financial independence and redefining the relationship with money.
- Vicki Robin and Joe Dominguez share insights on frugality, mindful consumption, and the concept of “enough,” providing a roadmap for aligning spending with personal values and long-term fulfillment.
- The book encourages readers to reassess their financial priorities and embrace the concept of time as a valuable resource, offering actionable steps to achieve greater financial autonomy and a more meaningful life.
- Your Money or Your Life serves as a valuable resource for individuals seeking to gain control over their finances, offering practical advice and mindset shifts to cultivate a more intentional and purposeful approach to money management.
- Robin and Dominguez's work provides a blend of thought-provoking philosophy and actionable strategies, empowering readers to make conscious choices, achieve financial independence, and live a more fulfilling and sustainable life.
19. Broke Millennial by Erin Lowry
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Takeaways:
- Broke Millennial: Stop Scraping By and Get Your Financial Life Together offers practical financial advice tailored to the millennial generation, providing actionable strategies for budgeting, saving, and investing in a relatable and accessible manner.
- Erin Lowry shares insights on managing debt, navigating financial independence, and building a strong financial foundation, offering a comprehensive guide to empower young adults to take control of their money.
- The book encourages readers to confront financial challenges head-on, providing guidance on communicating about money, setting realistic goals, and making informed financial decisions.
- Broke Millennial serves as a valuable resource for young adults seeking to enhance their financial literacy and achieve greater financial stability, offering relatable advice and real-world examples to help readers navigate the complexities of personal finance.
- Lowry's work provides a blend of practical strategies and empathetic insights, empowering readers to overcome financial obstacles, build confidence, and lay the groundwork for a secure financial future.
20. Get Good with Money by “The Budgetnista” Tiffany Aliche
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Takeaways:
- Get Good with Money: Ten Simple Steps to Becoming Financially provides practical and empowering financial advice, offering actionable strategies for budgeting, saving, and building wealth in a relatable and accessible manner.
- Tiffany Aliche, known as “The Budgetnista,” shares insights on overcoming financial obstacles, cultivating a positive money mindset, and achieving financial wellness, providing a comprehensive guide to empower readers to take control of their finances.
- The book encourages readers to confront their financial fears and misconceptions, offering guidance on setting achievable financial goals, managing debt, and creating a sustainable financial plan.
- Get Good with Money serves as a valuable resource for individuals seeking to enhance their financial literacy and achieve greater financial stability, offering practical advice and real-world examples to help readers navigate the complexities of personal finance.
- Aliche's work provides a blend of practical strategies and motivational insights, empowering readers to transform their relationship with money, build long-term wealth, and attain financial freedom.
21. We Should All Be Millionaires by Rachel Rodgers
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Takeaways:
- We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power challenges traditional financial narratives and offers a fresh perspective on wealth-building, particularly for women and marginalized communities, emphasizing the importance of financial empowerment and abundance.
- Rachel Rodgers shares insights on entrepreneurship, wealth creation, and overcoming societal barriers, providing a roadmap for individuals to redefine their relationship with money and achieve financial success on their own terms.
- The book encourages readers to embrace their worth and value, offering guidance on wealth mindset, strategic earning, and leveraging resources to create a life of abundance and impact.
- We Should All Be Millionaires serves as a call to action for individuals to step into their financial power, offering practical advice and actionable steps to break through limiting beliefs and build sustainable wealth.
- Rodgers' work provides a blend of motivational guidance and actionable strategies, empowering readers to challenge the status quo, build wealth, and create a more equitable and prosperous future for themselves and their communities.
Final Thoughts on Books on Budgeting
I hope you enjoyed this list of the 21 best books on budgeting, saving money, frugal living. Hopefully, these books will help you stop living paycheck to paycheck and help you climb out of debt.
I see these books as a practical means to help you heed the advice from many of the best financial books for beginners. You may even find one of these books to be complete enough that it is the only budgeting book you'll ever need.
If you enjoyed this list, why not check out some more great related lists of great books. We have the main “page” of OVER 250 self help/personal development books. This main page has links to many smaller book lists (just like this one)
If you are interested in general investing, you may be interested in the best investing books of all time. This is a collection 16 books “must-read” books, investment books that should, frankly, be required reading for any aspiring investor before they make any moves with investing their own money.
If you are struggling to meet your day to day living expenses. Real estate investment may seem like a dream from your far, far future. But it may not be as far as you think.
Some of the 16 books below tell you how to start creating an income from real estate investment with little upfront money of your own. Books on budgeting, savings and getting debt free should be first, but real estate investment books may be next on you list.
And if you're looking for more resources on books to read, be sure to check out these blog posts:
- 18 Retirement Planning Books to Help You Achieve Success When You Retire
- 25 Best Self Help Books for Women to Read
- 7 Best Books to Learn and Master Speed Reading
