J.D. Roth, who writes the educational and extremely valuable personal finance blog GetRichSlowly.org, just published Your Money: The missing manual with O’Reilly books. The book is filled with charts, graphs, checklists, guides, and explanations that explore the basics and advanced methods of personal finance — all with Roth’s simple ease and charm.
The book begins with a quote from George Mallory that aptly reflects the focus of the text:
“We do not live to eat and make money. We eat and make money to be able to live. That is what life means and what life is for.”
Roth’s financial philosophy is based on the premise that you have to spend less than you earn. Regular readers of this website know that this is also a fundamental rule of being an Unclutterer. If you spend more than you earn, your thoughts will consistently be focused on anxieties (clutter) about money instead of on what matters to you most. Roth details how to get out of debt, spend less than you earn, and save money for the future (saving also means that you alleviate worries about your financial future).
One of the highlights for me is on page 95 of Your Money: The missing manual. Here, Roth presents a flowchart created by April Dykman that she “created to help her stay on track while shopping.” I think all Unclutterers should have this chart tattooed on their forearms (I jest. Please don’t get a tattoo of this.):
I’m also fond of the section titled “The Tyranny of Stuff,” which is perfectly suited for Unclutterers. In short, Roth’s premise in this section is if you “own less stuff” you will spend less on new acquisitions as well as maintaining the stuff you choose to own — less clutter, less storage space, less to clean, and less wasted money on unnecessary purchases.
In addition to the book, if you aren’t familiar with Roth’s blog GetRichSlowly.org, I also recommend you check it out. Money Magazine named it one of the top two financial advice sites on the internet. Roth knows very well how to get rid of cluttered finances. I give his new book two thumbs up.