Money: A User’s Guide: The Sunday Times bestselling guide to taking control of your personal finances

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Even though I am young and the topics the author does not directly address my financial goal at the moment, it allows you to gain an insight into one’s financial journey to navigate in your mid 20’s to late 30’s. The author explains why we might choose the second most expensive wine on the menu and why we value things more if we’ve had them for a long time. I think I can speak for most when I say that any book that deconstructs all the financial jargon that is thrown at us must be a good read. It's everything that you know you *need* to know about personal finance but have never bothered reading up on. Creo que podria haber ahondado en el tema inversiones, o dar consejos mas profundos sobre como ahorrar y administrar el dinero, creo que lo que menciona de esos temas se aprende en la vida cotidiana facilmente, quiza seria mas util el libro para alguien que nunca tuvo un trabajo ni se independizó, alguien que nunca haya pagado cuentas, o que no haya tenido cuentas bancarias, etc.

Otherwise, there is the odd useful tip scattered through, like thoughts on whether to prioritise saving or paying off debt. Further along in the book, the topic of spending comes up again, and Whateley explains how you can save money on your energy and other household bills. Money management can seem to be quite a tedious subject matter, but Whately has a really easy going and entertaining tone which meant I couldn't out this book down!Although Whateley states that the target audience is millennials with an average or above-average income, she assumes that the reader has a lot of debt, very little capacity to save, and no self-control.

I skipped half the book because the information was not relevant to me and most of the useful stuff was sort of glossed over and not explained in any detail at all. Whateley acknowledges that previous generations had a much more defined structure: the man went to work and paid for life, while the woman stayed at home and looked after the household. In the next section of the book, Whateley explains the different kinds of debts and how to navigate them. I enjoyed this as a good introduction to financial matters for someone of roughly my demographic - a millennial in a professional role.The author frequently repeats how difficult and unpleasant saving and investing is, and how she would much rather spend her money on consumer goods. Whilst I’m not 100% sure that I’m the target audience (I don’t have a much higher-than-average salary), I still appreciated that this book touched on the importance of finances in relationships, money and gender and money in relation to mental health. Laura Whateley understands her subject and knows how to explain it in such a way that you will be able to make informed choices about your finances, rather than feeling confused and patronised' THE TIMES About the Laura Whateley is an award-winning journalist and The Times' consumer champion writing the agony aunt column, 'Troubleshooter', and 'Millennial Money' in the Saturday Money section. I also think that this book should be included within the high school curriculum for those in year 10 and 11, it would certainly be far more beneficial to young people who are about to start out in the world than subjects like history and geography.

Laura Whateley is an award-winning journalist and The Times’ consumer champion writing the agony aunt column, ‘Troubleshooter’, and ‘Millennial Money’ in the Saturday Money section.The book is so well written that I think everyone who reads this book will benefit from it regardless of their level of education. Claramente siempre va a tener algo de influencia el lugar de residencia del autor, pero en este caso me pareció que no llegaba a justificar la compra del libro, ni por las secciones que si podian llegar a aplicarse a mi situación viviendo en España. I am 18 years old and soon to embark the independent student life which I know comes with a lot of financial worry.

It explains student loans/savings/investing/mortgages/renting/pensions/debt/etc explained in a friendly, concise way.There is a helpful section about how ideas from psychology, such as anchoring and overvaluing sales, can impact the way we handle money.