Thinking in Money: How to Make Smart Financial Decisions Without Worrying About Expenses

Simple and effective tools from a financial analyst with 10 years of experience that will help you not only control your expenses but also live without worrying about them.

Why does money run out so quickly? What if there isn’t enough even for the essentials? How can you stop living paycheck to paycheck without denying yourself spending or falling into debt? And how can you finally save up for your dreams?

If you’ve been searching for answers to these questions, this book is for you. Kumiko Love, once on the brink of financial ruin with huge debts, developed a method that helped her not only pay off all her loans but also stop worrying about money forever.

Simple steps tailored to your unique needs will help you:

• Identify destructive beliefs that keep you stuck in a scarcity mindset;
• Set your financial boundaries and learn how to protect them;
• Create a financial calendar that helps you find money even for unplanned expenses;
• Learn to distinguish between needs and wants;
• Develop a debt repayment plan and discover sources to pay off loans;
• Stay financially positive even without a stable income.

Don’t leave big dreams only to millionaires. Regardless of your income level or bank balance, you deserve a good life right now. A solid plan and a bit of discipline—and your dreams will become reality.

From the Author

I am Kumiko Love, founder of the most popular personal finance site The Budget Mom, creator of the “Budget by Paycheck” method, and a certified financial advisor. I help millions of women worldwide rethink their relationship with money. My approach is different and relies very little on numbers. Talking about money is not really about numbers. When we talk about finances, we mean much more. We discuss emotional health. Happiness. The quality of our lives.

Who This Book Is For

• Those who want to pay off credits and debts, organize their finances, and start managing their budget wisely.
• Those who want to stop living paycheck to paycheck and handle money so it never runs out.