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Pocket Your Dollars: 5 Attitude Changes That Will Help You Pay Down Debt, Avoid Financial Stress, and Keep More of What You Make Paperback – December 19, 2012
Purchase options and add-ons
- Print length224 pages
- LanguageEnglish
- Publication dateDecember 19, 2012
- Dimensions5.5 x 0.51 x 8.5 inches
- ISBN-100764210874
- ISBN-13978-0764210877
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Editorial Reviews
From the Back Cover
Carrie Rocha, founder and owner of Pocket Your Dollars.com, one of the most popular sites on the web, shares the secrets that will help you change the way you think about money. Seven years ago she and her husband were surprised to discover the mountain of debt they'd accumulated. They knew they'd have to make big changes. Thirty months later they were debt free and have stayed that way ever since.
How did they do it? It wasn't through a step-by-step financial program or spending plan. It turns out, budgets can't fix everything--real change takes an attitude adjustment.
You too can triumph over the pitfalls that lead to financial stress. With practical help in every chapter, including real-life examples and easy-to-use self-assessment tools, you'll soon understand what Carrie discovered: Lasting change can start today.
"With prices soaring higher than incomes are growing, families everywhere need to learn what Carrie Rocha teaches in Pocket Your Dollars."--Mary Hunt, Author, 7 Money Rules for Life and Raising Financially Confident Kids
"I highly recommend Pocket Your Dollars. This book addresses the root causes behind most money problems."--Will Chen, co-founder of Wisebread.com
"For readers who think that they weren't taught to handle their finances correctly, or that everyone around them is making financial change impossible, Rocha's methods should prove worthwhile." --Bookpage
"Anyone with the goal of tightening her wallet in the new year will find Pocket Your Dollars incredibly helpful (and let's face it, that's pretty much everyone, right?)." --Sheknows.com
Carrie Rocha owns and operates PocketYourDollars.com, one of the most popular personal finance sites on the web, helping readers enjoy life within their means. Carrie writes regularly for Bankrate.com and has been featured on Wall Street Journal Radio, Glamour, Yahoo! Finance, CNNMoney.com, FoxBusiness.com, and many other magazines and websites. Carrie lives with her husband and two daughters in suburban Minneapolis, Minnesota. Learn more at www.pocketyourdollars.com.
About the Author
Product details
- Publisher : Bethany House Publishers (December 19, 2012)
- Language : English
- Paperback : 224 pages
- ISBN-10 : 0764210874
- ISBN-13 : 978-0764210877
- Item Weight : 9.6 ounces
- Dimensions : 5.5 x 0.51 x 8.5 inches
- Best Sellers Rank: #2,985,872 in Books (See Top 100 in Books)
- #6,567 in Budgeting & Money Management (Books)
- #8,754 in Christian Family & Relationships
- Customer Reviews:
About the author
Carrie Rocha [ha-sha] owns and operates PocketYourDollars.com, one of the most popular sites on the web, helping readers enjoy life within their means. Carrie writes regularly for Bankrate.com and has been featured on Wall Street Journal Radio, Glamour, Ladies’ Home Journal, Yahoo! Finance, CNNMoney.com, FoxBusiness.com, and many other magazines and websites. She is a regular guest on the Twin Cities Live television program. Carrie lives with her husband and two daughters in suburban Minneapolis, Minnesota. Learn more at PocketYourDollars.com.
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Carrie Rocha is the founder and owner of Pocket Your Dollars.com, a popular money site on the web based in the Twin Cities. I've been following her site for several years now (she and I started our blogs at about the same time), and have saved money by using her grocery lists (she lists deals store by store by combining sales with coupons available) and other helpful posts.
I bought this book as a Christmas gift for myself. It was a quick read - it took me about 2 weeks to get through it, which is pretty good for a busy, working mom like myself!
Pocket Your Dollars was hard to put down! I kept identifying with Carrie throughout the book and many of the challenges she and her family faced while paying off almost $60,000 in debt. I enjoyed her many stories and anecdotes that engage and connect with the reader.
After sharing her own personal story in chapter 1, "My Story," she continues with "the five attitudes that must go" which are (my summaries of each chapter are in parentheses):
2. If Only I Had More Money (it's not how much money you make; it's what you do with the money you have)
3. I Deserve a Treat (when you say these words in your mind, you are justifying an impulse purchase driven by some sort of emotional fix)
4. It Won't Happen to Me (only budgeting for expenses that are in your face at the moment...for example, "If the furnace was working, I was not saving for its repair.")
5. I'll Fake It `Til I Make It (you'll buy a good or service not only because it has intrinsic value to you, but because having it displays wealth)
6. I Can't Afford It (harboring guilt or shame when spending money...for example, buying cheap shoes that hurt your feet when you could afford better, more expensive ones)
Just reading those, you have to admit that at least one of those rings a bell with you and your family. They all do or have with me - at least at some point. My husband and I often think "If only we had more money...," when comparing ourselves to others who seem to have more than we do.
Then we think of all we DO have and have accomplished. I think of all the debt we've paid off over the years (close to $30,000) and how little debt we have left (our mortgage and some medical debt, the latter soon to be paid in full). I think of the "travel" savings account we started a couple years ago that we hope to use someday for a nice family vacation. Knowing we're taking steps toward a goal like traveling is what helps us stay positive (and patient!).
Anything - at least almost anything - that is important to you can be achieved with the money you have, but sometimes it will take time.
Carrie then "discusses the skills you need to change your attitudes" which are:
7. Changing your Self-Talk
8. Standing Up to Pressure
9. Staying in It for the Long Haul
Finally, in section three: "Now that You're Ready, Some Simple Budgeting Advice" Carrie helps you move forward with your new skills to help you get out of debt and save for the future:
10. Creating a Spending Plan
11. Paying Off Debt
12. Holding Yourself Accountable
13. Helpful Hints for Reducing Expenses
The Paying Off Debt chapter reminded me of how my family paid off all of our debt. Carrie discusses the "debt snowball plan," which psychologists have proven as an effective debt payoff plan, and actually worked for my family.
"With the debt snowball," Carrie says, "you pay the minimum amount on every debt you have. Then, when you get a little extra money from somewhere, you apply that money to the one debt on the top of your list." Then when you pay off that first debt, you use the amount you were paying to that debt and apply it to the next debt. By the time you're left with one debt (months, years, whatever it takes), your monthly payment to that debt will be huge and you'll be quickly headed toward being debt-free.
One thought I had after I finished Carrie's book was that her final chapter, "Helpful Hints for Reducing Expenses," left me wanting more. It included some great tips including some I didn't know about (like some helpful websites that were unfamiliar to me), but I think she could have turned this chapter into a whole book of its own. Perhaps that will be Carrie's second book? Hopefully, but either way, there are many books that are full of similar tips for saving money, like Shop, Save and Share by Ellie Kay, Miserly Moms by Jonni McCoy, and Cut Your Grocery Bill in Half by the Economides family.
Overall, I highly recommend the book Pocket Your Dollars. You'll connect with Carrie and learn a lot about your own attitudes about money. Then you'll be inspired to pay off your debt and be smarter about your money.
I bought this book expecting more of the same old advice about budgeting, debt snowballing, scrimping and saving, using coupons, etc. and hoping to learn a little bit, but boy was I suprised with how deep to the core this gets.
It's an extremely easy, entertaining read that will leave you excited to make financial changes. I already loaned my copy out to my sister and my mom will get it next. Highly recommended!
I didn't hate it either.
Anyone who has decided to jump in head first to deal with debt has likely read something similar. I do like that Carrie comes off as though she's sitting with you having coffee, as though you are getting advice from a friend. And like any chat session with a friend, she tends to ramble and talk around her point. I feel the first 3/4 of the book could be said in about half the time.
Now, does that mean she has bad advice? Absolutely not. Her stories are ones that should be appreciated and can help people realize they CAN change their situation.
If you are new to looking at changing your debt situation, and you want it done without feeling guilty, this may be the book for you.
I just know some need a bit of a hardcore approach.
A very easy read.
Also, I received this book for free, but I was not told I had to review it at all.