10 Personal Finance Books Every Woman Needs In Her Life
Everything you need to get your financial situation in order is available at your fingertips. So, why not take advantage of it? There are personal finance books, websites, and magazines that all want to feed you the information to transform your finances.
I have a bit of an unhealthy obsession with self-help books in general, but especially with personal finance books. I didn't always feel this way because I assumed personal finance books would be boring, but thankfully I was wrong. The best personal finance books weave a story in between teaching you a thing or two.
The following books only scratch the surface of the books I credit to my knowledge and financial revamp. They are truly vital to anyone wanting to transform their finances.
*This list is specially curated by the xoNecole team and some links are affiliate links. If you purchase an item from an affiliate link, xoNecole might earn a small commission.
The 10 Best Personal Finance Books
1.Clever Girl Finance: Ditch Debt, Save Money And Build Real Wealth By Bola Sokunbi
This book is written by a woman of color for women, and it's a beginner's guide to personal finance. You'll learn about saving, budgeting, investing and managing your finances so you can build real wealth. You'll also learn about your financial well-being and achieving financial wellness. The book includes stories of everyday women who have achieved financial independence
2.Rich Dad, Poor Dad: What The Rich Teach Their Kids About Money That The Poor And Middle Class Do Not! By Robert Kiyosaki And Sharon Lechter
This book is a classic circa 1997, but the information still rings true today. The book is based on Kiyosaki's life and the contrasts between his biological poor father and his friend's rich father. You'll learn about building wealth through investing in assets, real estate investing, business ownership and financial intelligence.
3.All Your Worth: The Ultimate Lifetime Money Plan By Elizabeth Warren and Amelia Warren Tyagi
All Your Worth is written by the senator and 2020 presidential candidate Elizabeth Warren, as well as her daughter. This book is a guide that outlines six steps to help rid yourself of financial hardship. You'll learn about the 50/30/20 budgeting rule, counting the dollars not the pennies, homeownership benefits, and strategic debt.
4.Million Dollar Women: The Essential Guide for Female Entrepreneurs Who Want to Go Big By Julia Pimsleur
Pimsleur recognizes that women are creating businesses at nearly twice the rate of men, but only 3% of all women business owners reach revenues of over $1 million. Julia has created a guide to help women dream bigger, so they can reach the $1 million revenue mark. You'll learn about overcoming emotional and practical hurdles and turning your ideas into actions. You also get an appendix of exercises.
5.Nice Girls Don't Get Rich: 75 Avoidable Mistakes Women Make With Money By Lois P Frankel
This best-selling book focuses on the conscious unlearning of habits that society has pushed onto girls. The habits prevent women from becoming financially independent and living their dreams. You'll learn about subconscious fears of money, empowerment and assertiveness, and the importance of investing like men are taught to do.
6.Millionaire Women Next Door: The Many Journeys of Successful American Businesswomen By Thomas J. Stanley
Stanley exposes the reality of wealth in America and its actual distribution. He focuses on revealing the habits of successful self-made businesswomen. You'll learn about choices, working styles, and lives of successful businesswomen.
7.Live It, Love It, Earn It: A Woman's Guide To Financial Freedom by: Marianna Olszewski
Olszewski reached success with a multi-million-dollar business after humble beginnings. She strived for abundance and financial independence and wants to teach women how to become as fabulous as her. You'll learn about the path to financial independence, how to say "yes" to yourself, how to fall in love with your money, and how to embody success.
8.Rich Bitch: A Simple 12-Step Plan For Getting Your Financial Life Together… Finally By Nicole Lapin
Lapin takes her readers through her own personal journey of financial well-being while serving you sass. She shows the readers her mistakes, experiences and how she got her finances in order. You'll learn about investing in yourself, speaking the "language of money," and rehabbing bad habits.
9.Real Money Answers for Every Woman: How to Win the Money Game With or Without a Man By: Patrice C. Washington
Washington is a woman of color who takes her readers through her path to financial security. She educated herself about finance, changed her spending and attitude habits. Patrice offers actionable advice that every woman can use. You'll learn about getting out of debt (as she did by age 25), rebuilding your credit, and fulfilling your financial dreams with or without a man.
10. Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life By Barbara Stanny
Amazon
Women are earning six figures or more at faster rates than for men. Women are gaining wealth through entrepreneurship, corporate executives, and many other careers. Stanny outlines the seven key strategies that have helped these high-achieving women which include profit motive, audacity, resilience, encouragement, self-awareness, non-attachment, and financial know-how.
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Aaliyah Sydonie Williams is a lover of pomegranates, intimate concerts, fluffy socks and all things R&B. She's a founder of a college advice blog, Her Little Corner, where she dishes helpful advice for college students to slay their college experience. When Aaliyah isn't eating at Starbucks, she's studying for her courses in finance, discovering new spots in the city, and brushing up on her photography skills. Keep up with her at Aaliyah Williams (@aaliyahsydonie).
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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How To Tell If You're Disciplining Your Child Or Seeking Revenge
When discussing the topic of raising children, discipline is often the first thing that comes to mind. Children need discipline. Full stop. But what is discipline? And how do we draw the line between discipline and revenge?
The origin of the word "discipline" can be traced back to the Latin word "disciplina," which means "instruction" or "teaching." Over time, however, discipline has come to be synonymous with punishment, with parents relying on shame, fear, and/or physical pain to curb undesirable behavior.
Teaching takes time, so nipping it in the bud in whatever fashion parents deem necessary (within reason) has become the norm. But is this what’s best for children? And when does it become less about curbing undesirable behavior and more about getting our licks back for offenses we feel our children should know better to do?
In my work as a parenting coach, I’ve often heard parents say, “I asked him nicely three times before spanking him. He didn’t stop doing it until I did, so clearly talking doesn’t work.”
And the parent isn’t wrong. Talking often doesn’t work the first, the third, or the even the 10th time. And the reason is directly tied to brain development.
Children cannot and do not process information the way an adult can. Auditory processing is not fully developed until a child is 14 or 15 years old. And even then, if a child has auditory processing delays or Auditory Processing Disorder (APD), they may always struggle with processing auditory commands. According to Susie S. Loraine, MA, CCC-SLP, the term auditory processing refers to how the brain perceives and interprets sound information. Several skills determine auditory processing ability—or listening success. They develop in a general four-step hierarchy, but all work together and are essential for daily listening.
Without this understanding, discipline can easily become revenge because parents will then view their child’s misdeeds as a personal slight. Instead of teaching them to do better, parents now want to show them the consequences of not doing better. This is why it's imperative for parents to discern between discipline and revenge to maintain healthy relationships with their children.
5 WAYS TO DISTINGUISH BETWEEN PARENTAL GUIDANCE AND RETALIATION:
Understanding The Intent
Discipline is rooted in love and concern for the child's well-being. It focuses on teaching lessons and helping children understand the consequences of their actions. Conversely, revenge-driven actions stem from a desire to inflict pain or punishment as payback for perceived slights or disobedience. Parents should reflect on their motives before taking disciplinary actions. Ask yourself whether your intention is to help your child learn or to make them suffer for upsetting you.
Example: If a child accidentally breaks a valuable item, a disciplinary response would involve discussing the importance of being careful and working with the child to come up with a way to replace or fix what they’ve broken. On the other hand, a vengeful reaction might involve yelling, harsh punishment, or bringing up past mistakes to intensify guilt.
Maintaining Emotional Regulation
Effective discipline requires parents to remain calm and composed, even in challenging situations. It's natural to feel upset or frustrated when children misbehave, but responding with anger or resentment can escalate the situation and blur the line between discipline and revenge. Before addressing the issue, take a moment to breathe and collect your thoughts.
Example: If a child cannot follow instructions, a disciplined response would involve calmly explaining why their cooperation is necessary in working with the child to accomplish the goal. Conversely, a retaliatory response might involve shouting, name-calling, or resorting to physical punishment out of anger.
Promoting Growth and Learning
Discipline should always aim to promote growth and learning. It involves guiding children toward making better choices and understanding the impact of their actions on themselves and others. Effective discipline strategies include positive reinforcement, setting clear expectations, and providing opportunities for reflection and growth.
Example: If a child repeatedly forgets to complete their chores, a disciplinary approach would involve discussing the importance of responsibility and finding solutions together, such as creating a chore chart or setting reminders with Siri or Alexa. In contrast, a revenge-driven response might involve imposing overly harsh punishments or belittling the child, which can undermine their self-esteem and hinder their ability to learn from their mistakes.
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Building Trust and Communication
Trust and open communication are essential components of a healthy parent-child relationship. Discipline should strengthen this bond by fostering trust and encouraging children to confide in their parents without fear of judgment or retaliation. When children feel safe and supported, they're more likely to accept discipline as a form of guidance rather than punishment.
Example: If a child admits to breaking a rule or making a mistake, a disciplined response would involve listening to their perspective, discussing the consequences of their actions, and working together to find a solution. Conversely, a retaliatory response might involve accusations, blame, or shutting down communication, which can erode trust and damage the parent-child relationship.
Seeking Professional Guidance
Parenting is a learning journey, and, disciplining children is a delicate balance between guiding them toward responsible behavior and nurturing their growth. By understanding the intent behind our actions, maintaining emotional regulation, promoting growth and learning, building trust and communication, and seeking professional guidance when needed, as parents we can help our children built on love, respect, and understanding.
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