It's Your Money - Book Review

So I'm going to be super transparent here and talk about an uncomfortable subject: Our finances. 

It's hard to know where to begin...I don't want to get into our whole money story...suffice to say that when Alex and I got married we thought we had our finances covered, but over the years we have proved to be horrible money managers. We've never made a budget (until recently) and never given much thought to where our money goes. Oh, and we suck at saving. Even now, we are just horrible when it comes to saving money.  

Recently our finances spiraled so out of control that we decided to take a finance course offered by our church called Financial Peace University (FPU). This class was created by Dave Ramsey who has also written various books about money from a Christian perspective. I had heard about Dave Ramsey for several years and knew many of his philosophies....but I'm lazy when it comes to money (and math, ugh) so I put off reading his books and taking his class. Well, as I said, our finances spiraled out of control and we had to do something about it. We took the class and it was great. It's very practical and has helped us with the basics (setting up a budget, eliminating debt, etc). But I would be lying to you if I said I was feeling hopeful for the future as far as our finances go. That's where "It's Your Money" came in...

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I became acquainted with Eric and Kelsey Williams through their blog, Words of Williams, over a year ago. I even wrote a guest post for them once (click here to read it). Right around the time our FPU course finished I received an email from Eric telling me he wrote an ebook called It's Your Money and would I be interested in reading and reviewing it for my blog. It seriously could not have come at a more perfect time. I needed to be consuming something to keep the momentum going with this new budget thing Alex and I had going. I happily agreed to read the book and once I got started I could not put it down. I know...it sounds strange, but I seriously could not stop reading this book...this book about money and budgeting. Strange but true. 

I think what made the difference for me is that Eric and Kelsey's story sounds a lot like ours. We grew up with the same mindset about money and made a lot of the same mistakes. And they're in the same life-stage as we are. Dave Ramsey is great; such a dynamic speaker and very inspiring, but he's an old guy. He's been there, done that. His kids are grown and off on their own. He and his wife are living in those beautiful golden years. Eric and Kelsey are in the thick of it. They just paid off their debt a few years ago, they have a daughter not much younger than Liam, they're figuring out how to stay on a budget while raising a young family. They're not buying boats and investing in multiple properties across the country...they're not there yet, and neither are we. Granted, they are further along in their money story than we are, but only by a few years and when I see their life I see our life in the not-too-distant future. Does that make sense?? It's like, when I see Dave Ramsey's life I can't imagine ever being where he's at...but when I see Eric and Kelsey's life I think, "hey, they did it...they got rid of their debt...they're making a pretty good life for themselves...they're well on their way to a good financial future...and we can get there too!" It was nice to read this book and realize we're not alone and that we can turn things around. Our marriage doesn't have to turn into one big fight about money.

The ebook isn't very long and the chapters are short and to the point. Eric did a great job with keeping the story interesting even when talking about a subject that I naturally find quite boring. The book is divided into two parts. The first part recaps Eric and Kelsey's financial history, where they've been and how they got to where they are now. The second part has some practical lessons about money that they have learned and how it can help you in your own finances. 

I'm really glad I read this book and will probably go back to refer to it a lot as Alex and I continue on this journey of budgeting and staying debt-free. If you're somebody who needs to get started on this journey as well then I recommend you read this book for some motivation and a little push in the right direction. It's a great starter book in the world of personal finances. So thanks to Eric and Kelsey for giving me a chance to read it! "It's Your Money" is available on Amazon today! So be sure to get your copy and start reading. Click this link to purchase it yourself. 

If you're on twitter check out the hashtag #ItsYourMoneyBook to see what other people are saying about this book and be sure to join in on the conversation. Hope you all like it as much as I did! 

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