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Money: A User’s Guide

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Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press ‘cash only’ at ATMs, and accept that we’ll be paying back our student loans with our pension savings. Money: A User’s Guide cuts through all the panic of personal Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press ‘cash only’ at ATMs, and accept that we’ll be paying back our student loans with our pension savings. Money: A User’s Guide cuts through all the panic of personal finances. It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you’ve been avoiding including: • Housing (for renters and buyers) • Student Loans • Pensions • Paying off debt • Stocks and shares • Ethical investments • Money and Mental health • Money and Love This essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.


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Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press ‘cash only’ at ATMs, and accept that we’ll be paying back our student loans with our pension savings. Money: A User’s Guide cuts through all the panic of personal Take control of your personal finances with this concise, timely and indispensable guide, from acclaimed money expert Laura Whateley. Ten years on from the financial crash, and we are still bad with money.We press ‘cash only’ at ATMs, and accept that we’ll be paying back our student loans with our pension savings. Money: A User’s Guide cuts through all the panic of personal finances. It will teach you how to get a great credit score, how to save hundreds on bills, and offer practical advice on every difficult conversation you’ve been avoiding including: • Housing (for renters and buyers) • Student Loans • Pensions • Paying off debt • Stocks and shares • Ethical investments • Money and Mental health • Money and Love This essential book will give you the confidence and clarity to take back control of your bank account, enabling you to thrive in all areas of your life.

30 review for Money: A User’s Guide

  1. 5 out of 5

    Gareth Davies

    Does it’s job brilliantly. A complete education on personal finance and written as if you are just sitting next to her in a coffee shop. Surprisingly engaging for a book on mortgages, loans and pensions. Intended audience is British millennials (which she defines as anyone born between 1980-2000), but if you are older or younger, this can still be useful!

  2. 5 out of 5

    Elton Stone

    Well written, informative book that covers many complicated areas of personal finance in an informal, easy to understand way

  3. 5 out of 5

    Lizzie

    Brilliant. Everyone should read this. Wish there'd been a book like this years ago.

  4. 4 out of 5

    Lorna

    A *very* useful guide for someone as financially illiterate as me, and a really great primer on all things money - pensions, investing, mortgages, taxes etc. - my copy is annotated all over and sandwiched with sticky notes. Everything is explained in an accessible and digestible way, I'd definitely recommend to anyone feeling daunted about all that adult-ing entails.

  5. 4 out of 5

    Jennifer

    4.5 stars. I feel like less of a clueless nit-wit now. Recommend to any ex-pat living in the UK who wants to get down with the finance lingo here.

  6. 5 out of 5

    Amile Inusa

    Before I start, let me say one thing. This is THE most comprehensive overview on money that I’ve ever read. Its also a book that I wish I read at 18 or just after leaving university. Last August, I decided to take 2 years out of training to do locum work (basically, freelancing for doctors 😆). Despite being a professional with a useful degree, I didn’t actually know much about money outside of my pay cheque, PAYE taxes and my savings account. Fast forward some months and I’ve learnt a lot through Before I start, let me say one thing. This is THE most comprehensive overview on money that I’ve ever read. Its also a book that I wish I read at 18 or just after leaving university. Last August, I decided to take 2 years out of training to do locum work (basically, freelancing for doctors 😆). Despite being a professional with a useful degree, I didn’t actually know much about money outside of my pay cheque, PAYE taxes and my savings account. Fast forward some months and I’ve learnt a lot through reading books, attending events and joining Facebook groups. I am now confident in investing in stocks and crowdfunds, tracking my spending and utilising mobile apps. Now, everyone’s journey will be different, but we all have the very same opportunity to get better at looking after our money. For the less informed ones out there, this book will save you from doing a lot of googling, losing out on simple gains & worst of all...making costly mistakes. It runs through EVERYTHING. In the most relatable of waysss, she covers mortgages, renting well, buying cars & future-proofing your finances. At times, I felt dismayed that I had started this journey in my late 20s. But as the fabulous Maya Angelou so eloquently says...once you know better, you do better. It’s a great starting point & I hope you find your way whatever your income bracket. 💰💰

  7. 4 out of 5

    Sarah Molloy

    I enjoyed this as a good introduction to financial matters for someone of roughly my demographic - a millennial in a professional role. I read it cover to cover but you could also dip in and out to read the chapters most relevant to you eg I didn’t need to read the part about house buying as I’ve already done that. The section on saving and investing made me think seriously about setting up my financial future.

  8. 4 out of 5

    Fiyal

    Extremely informative and easy to read! Extremely informative and easy to read! All jargon was explained well. I even enjoyed reading the chapter in pensions, the world most unsexiest subject.

  9. 4 out of 5

    Vanessa

    Every 20-something needs to read this! It explains student loans/savings/investing/mortgages/renting/pensions/debt/etc explained in a friendly, concise way. It's everything that you know you *need* to know about personal finance but have never bothered reading up on... Until now.

  10. 4 out of 5

    Rebecca

    Amazing book containing everything I wish I had been taught at school. It’s so easy to read and understand. It is like the author is your buddy down the pub just giving you advice. I feel so much more confident now about my finances and I will keep on referring back to the book for years to come I am sure! Thank you Laura Whateley!

  11. 4 out of 5

    Jake

    Excellent must read for anyone that uses money. So everyone

  12. 5 out of 5

    Caroline Smith

    As someone who has *some* bad habits with money, I’ve been looking for something to give me some well needed advice for a while. I first saw it online being read by one of my favourite YouTubers and knew instantly that this would be the book for me. Whateley writes in such a friendly and relatable way with many anecdotes and real life examples which, for me, really helps the advice sink in. The book covers many topics which makes it a good source of information for whatever point you are at in l As someone who has *some* bad habits with money, I’ve been looking for something to give me some well needed advice for a while. I first saw it online being read by one of my favourite YouTubers and knew instantly that this would be the book for me. Whateley writes in such a friendly and relatable way with many anecdotes and real life examples which, for me, really helps the advice sink in. The book covers many topics which makes it a good source of information for whatever point you are at in life, as well as something to keep hold of for the future. The main selling point for me is the three chapters at the end which cover how money affects your life on a personal level. As someone who suffers from several mental health issues, situations surrounding money (or lack thereof) can be a tough subject to tackle. Whateley manages to explain how to handle these really well in a non-condescending, kind way and it is definitely something I will keep coming back to time and time again. The part on ethical financing was really eye-opening as well and definitely gave me something to think about and take action on in relation to my own finances. Overall, this book is a very informative read and I would definitely recommend it to anyone who wants to take more control over their finances or just wants to expand their knowledge a bit more.

  13. 5 out of 5

    pexfa

    What is it? Gives a broad and general overview of personal finance topics aimed at millennials. She doesn’t go into much depth on any of the topics. Rather she treats them with a broad brush — a sort of whistle stop tour covering housing, debt, savings, investments, pensions, tax, bills and insurance, car payments, mobile phone contracts etc — everything that requires money. Some thoughts are also shared on money and relationships and ethical finance. Why read or not read it Read it if you want a g What is it? Gives a broad and general overview of personal finance topics aimed at millennials. She doesn’t go into much depth on any of the topics. Rather she treats them with a broad brush — a sort of whistle stop tour covering housing, debt, savings, investments, pensions, tax, bills and insurance, car payments, mobile phone contracts etc — everything that requires money. Some thoughts are also shared on money and relationships and ethical finance. Why read or not read it Read it if you want a general overview of money topics and some suggested best practices particularly targeted at millennials with a moderate income. Most of this information you can find by scouring the internet — but the book compiles it conveniently. Lessons learned There are a lot of practical lessons offered but if you have a tiny amount of financial savvy, you have probably come across this before and won’t find great benefit in the book – although it might serve as a useful reminder in some areas. Will I return to it? Yes, perhaps at some point as a starting point to further investigation into a particular aspect of money but on the whole there is nothing revelatory in here.

  14. 4 out of 5

    R7835

    This was good. Gives the right amount of information for the intended audience (roughly, those born between 1982 and 2000). It's written in a friendly, relatable manner. I found it useful, and I'm looking forward to putting what I've learnt into practice. There were a couple of downsides - as the author addresses, some of the information will be incorrect as the years pass (current interest rates, tax brackets etc). Also, the information given is for England, meaning some of the information isn' This was good. Gives the right amount of information for the intended audience (roughly, those born between 1982 and 2000). It's written in a friendly, relatable manner. I found it useful, and I'm looking forward to putting what I've learnt into practice. There were a couple of downsides - as the author addresses, some of the information will be incorrect as the years pass (current interest rates, tax brackets etc). Also, the information given is for England, meaning some of the information isn't applicable to those living in other parts of jolly old GB. A companion website would have been a nice touch where the author could point the readers to for current information. Would recommend parents gifting this to their children before they leave school and/or before they leave university. Also, I really like the cover.

  15. 4 out of 5

    Asera

    = Read this book from NetGalley UK in exchange for a fair review. = Achieves its objective by arming the intended readership with financial knowledge. Of how to navigate money in the real world. Great for school-leavers, new to workforce, living in the UK. The Introduction provides a good context before kicking things off. It’s divided into 3 parts: Part 1 covers things related to housing, personal debt, budgeting, saving, investing, pensions, taxes, bills, and insurance. Part 2 talks about the psyc = Read this book from NetGalley UK in exchange for a fair review. = Achieves its objective by arming the intended readership with financial knowledge. Of how to navigate money in the real world. Great for school-leavers, new to workforce, living in the UK. The Introduction provides a good context before kicking things off. It’s divided into 3 parts: Part 1 covers things related to housing, personal debt, budgeting, saving, investing, pensions, taxes, bills, and insurance. Part 2 talks about the psychological aspects of money. (Might be off-putting for some) Part 3 is about ethical finance. Overall content is excellent but the writing gets too long-winded at times. Having a few bullet point lists or charts would improve the book greatly while there’s so much comparison to be made with the plentiful data given to the reader. 3 stars

  16. 5 out of 5

    Self-Titled Club

    Money: A user’s guide by Laura Whateley is a personal finance book covering all of the essential things you wish you had learned about money in school. From building your credit history, handling taxes and taking out loans or investing, to all things related to housing and mortgages, pensions and even the effect money has on mental health and one’s love life. Although this may not be the most exciting of topics to read about for most people, this is definitely a very informative book and contain Money: A user’s guide by Laura Whateley is a personal finance book covering all of the essential things you wish you had learned about money in school. From building your credit history, handling taxes and taking out loans or investing, to all things related to housing and mortgages, pensions and even the effect money has on mental health and one’s love life. Although this may not be the most exciting of topics to read about for most people, this is definitely a very informative book and contains detailed information on different options available for you, regardless of whether you are totally self-reliant or you are someone who can dip into the ‘bank of mum and dad’. _ Follow us on Instagram for more book reviews! www.instagram.com/selftitledclub.ldn

  17. 4 out of 5

    R

    An excellent book for anyone who really wants to take care of their personal finances! Although this book is aimed specifically for those living in the UK and Wales, I could not help but find similarities and parallels to my own situation. As such, have begun to make my own strides into taking control of my finances as well as my family's, and many of the points of this book brought up interesting questions for myself and the way we look at money. I am a person who gets overwhelmed and stressed b An excellent book for anyone who really wants to take care of their personal finances! Although this book is aimed specifically for those living in the UK and Wales, I could not help but find similarities and parallels to my own situation. As such, have begun to make my own strides into taking control of my finances as well as my family's, and many of the points of this book brought up interesting questions for myself and the way we look at money. I am a person who gets overwhelmed and stressed by the thought of finances and money, but reading a book like this was really encouraging for me. Thank you Ms Whateley!

  18. 5 out of 5

    Claire

    I’d recommend this book to anyone who wants to feel in control of their finances. It takes about the emotional impact of money, the stress that comes with not feeling you have enough and personally I feel this book would benefit from this setting the book up, before embarking on the finer details. I saved £460 this year just learning about a tax break I was eligible for which is not well advertised. I learnt about ethical investments and making my money grow without compromising the planet. My o I’d recommend this book to anyone who wants to feel in control of their finances. It takes about the emotional impact of money, the stress that comes with not feeling you have enough and personally I feel this book would benefit from this setting the book up, before embarking on the finer details. I saved £460 this year just learning about a tax break I was eligible for which is not well advertised. I learnt about ethical investments and making my money grow without compromising the planet. My only complaint, which I’d read it 10 years ago.

  19. 4 out of 5

    Brett Cloke

    Life changing. I've been struggling with money since graduating and am now looking to buy a place. I had no idea about mortgages, pensions and all the other fun money related stuff that comes with being an adult and this book explained everything brilliantly. It wasn't dumbed down but was explained in an easy to digest manner. There's lots more I could be doing to make my money go further and I'm so excited to get started! Read this in an afternoon and I'll be sure to use it as a reference throu Life changing. I've been struggling with money since graduating and am now looking to buy a place. I had no idea about mortgages, pensions and all the other fun money related stuff that comes with being an adult and this book explained everything brilliantly. It wasn't dumbed down but was explained in an easy to digest manner. There's lots more I could be doing to make my money go further and I'm so excited to get started! Read this in an afternoon and I'll be sure to use it as a reference throughout my journey!

  20. 5 out of 5

    Caron

    If you like Martin Lewis you'll love this. Handy, chatty, sympathetic and wide-ranging guide that assumes no financial knowledge at all and doesn't get bogged down in too much detail. Written largely for millennials; no coincidence that the cover resembles a Monzo card! Main caveat is the book's short use-by date. It mentions specific apps etc. and will date quickly. Furthermore, the 2008 crash is repeatedly held up as the nadir from which all financial woes stem. Post coronavirus, the text will If you like Martin Lewis you'll love this. Handy, chatty, sympathetic and wide-ranging guide that assumes no financial knowledge at all and doesn't get bogged down in too much detail. Written largely for millennials; no coincidence that the cover resembles a Monzo card! Main caveat is the book's short use-by date. It mentions specific apps etc. and will date quickly. Furthermore, the 2008 crash is repeatedly held up as the nadir from which all financial woes stem. Post coronavirus, the text will need a major revision.

  21. 4 out of 5

    Gio

    Are you a broke millennial who has no idea how to manage his/her money? Get yourself a copy of this book ASAP. In this short guide, Whateley tells you all you need to know about making your money work for you. Whether you want to buy a house, invest your money in the stock market or get out of debt, Whateley's got you covered. Plus tips and strategies to save money on bills and save for your pension (I know it seems so far away but trust me, one day you'll be glad you started planning for it ear Are you a broke millennial who has no idea how to manage his/her money? Get yourself a copy of this book ASAP. In this short guide, Whateley tells you all you need to know about making your money work for you. Whether you want to buy a house, invest your money in the stock market or get out of debt, Whateley's got you covered. Plus tips and strategies to save money on bills and save for your pension (I know it seems so far away but trust me, one day you'll be glad you started planning for it early). Whateley answers all your money questions in a simple, clear way that's both entertaining and informative. Highly recommended.

  22. 4 out of 5

    Devan

    This is a very basic overview of financial literacy in the UK. I appreciate the broad overview of many topics, and it will give you enough of a push to look into these things on your own - great of you have absolutly no idea where to begin on things like investing or mortgages. Also helpful as I'm originally from the US, and while I generally understand how things work there, they are usually not the same in the UK.

  23. 5 out of 5

    Hrefna (Habbi) Helgadóttir

    I really wish I would have read this book a lot earlier in life but I'm glad that I have now. It's only relevant to people in the UK though which is a bit of a downside but I met the author and I know she's contemplating how to make it more universal. It's not a thrilling read per se because it's just giving a lot of practical information, but honestly if you live in the UK you should read this book. Like, do it for yourself and your family.

  24. 5 out of 5

    Madina

    i don't think i can give a fair rating for this book bc it's heavily based on the financial system in the UK, and i'm very much so an indonesian living in indonesia lol - so the context doesn't really mesh with mine. but the basics provided in it is very crucial to understand, and it gives me the push to really, truly think about my financial decisions & state - & that's really impt as i'm (beginning to?) approaching ""adulthood"". i don't think i can give a fair rating for this book bc it's heavily based on the financial system in the UK, and i'm very much so an indonesian living in indonesia lol - so the context doesn't really mesh with mine. but the basics provided in it is very crucial to understand, and it gives me the push to really, truly think about my financial decisions & state - & that's really impt as i'm (beginning to?) approaching ""adulthood"".

  25. 4 out of 5

    Thomas

    For young people, this book is a perfect introduction to the mystery of money. Obviously we all know what money is but this book has proven that I was ignorant about many issues surrounding it. This is simply an introduction and is encouraging me to do more research into pensions, savings accounts, mortgages and types of insurance. If you are a little bit clueless about these things then I highly recommend this book.

  26. 5 out of 5

    Daniela D

    A pragmatic guide with plenty of suggestions on how to handle money as a young-ish person living in the UK of today. Anything from how to budget, to all you need to know about tax or saving for a home; and most importantly how to handle your own mental health and relationships; or attitude to money.

  27. 4 out of 5

    Kirsty

    I would quite happily never think or talk about money for the rest of my life. But life is full of boring but necessary things, so I might as well try to understand them. This book was aimed at people like me (late 20s-early 30s, not rich but making enough to live on and have some to spare, either a first-time homeowner or planning to be one soon). It was useful. I took notes.

  28. 4 out of 5

    Heather

    This could alternatively be called A Beginner’s Guide to Adulting; aimed at the 20- or 30-something self-employed or traditionally employed individual who’s trying to get their shit together, this is a great and realistic reference on how money works and how to achieve your goals. Super helpful and informative and not at all condescending. I’ve already bought two copies for friends.

  29. 4 out of 5

    Paige

    Highly recommended this book. Full of great advice and food for thought, I personally have come away with things to look into to make sure I am making ethical and benificall money decisions. I found this to be a quick read, but it also a great reference book to dip in and out of - I will be saving it on my book shelf for a long time!

  30. 5 out of 5

    Kaimon Thompson

    Absolute eye-opening book. Recommend for all people, young, old and middle aged. Is definitely something I’ll read again at least 5/6 tines over my course of my life. As well as very informative, was impeccably written and flowed nicely. Wasn’t ever a boring chapter and was written well to make it engaging. 9/10!!!

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