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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Another season of Love Is Blind has come to a close, and almost two months later we’re still unpacking the drama that is Clay and AD. The finale, reunion, and post-interviews with Clay and AD after season six of Love Is Blind left millions of people wondering - why couldn’t AD see the signs? Clay told her he had a fear of marriage, his parents experienced infidelity, and he seemed to have many doubts about saying, "I do."
After changing his mind at the altar and hearing AD question why she feels like she’s never enough, I was finished watching. I didn’t need to hear anything else because, at that moment, I realized this wasn’t about Clay; this was about AD feeling inadequate before she ever met Clay.
If I’m honest, I don’t watch much dating television. TikTok keeps me updated with the clips that I need to see in order to be kept in the loop, but it’s difficult for me to watch an entire season of dating TV because seeing Black women settle for less and questioning their beauty is a trigger for me. In many ways, there were points in my life where I was AD, settling and ignoring red flags because I wanted to be loved.
Now, on the other side, it doesn’t feel good to see Black women lower their standards on national television. There have been many hot takes on this couple and who was in the wrong. Did Clay play in AD’s face or did she not listen to the truth of what he told her from day one? Was his reason for joining the show to promote his business and not to find the one?
We’ll never know the truth, but what we can do is learn tactics to better our self-worth. Founder and CEO of The Self Love Organization Denise Francis shared her expertise with xoNecole on what tangible steps to take to improve feelings of worthiness. “Self-love blooms in a garden where self-worth is planted, nourished, and whole. However, when your self-worth is challenged, displaced, or broken, it could be difficult to rebuild," Denise explains.
How To Rebuild Self-Worth
During her self-love coaching sessions, Denise likes to walk her clients through the cornerstones of rebuilding self-worth: grace and self-compassion. To her, self-worth is never lost, it's only displaced, so practicing self-compassion and giving yourself grace is a must. "We tend to place our self-worth in entities and people of ourselves such as relationship status, physical appearance, material possessions, social media followings, what others think of us, and more. Self-worth is not something to be measured by anyone or anything outside of ourselves because we all innately hold value and worth.
"Self-worth is not something to be measured by anyone or anything outside of ourselves because we all innately hold value and worth."
"When we place our value into people or things, we tend to feel that we are not enough, worth it, special, or important when relationship status, job titles, friendships, and physical appearances are lost or changed. We then tend to feel lost within ourselves because we’ve placed our value outside of ourselves. Using grace and compassion, you can rebuild your self-worth by returning home to who you are at your core," she concludes.
How To Return Home To Yourself
Denise advises taking a step back and using self-reflection through journaling by answering the following journaling prompts:
First, ask yourself, "What do you tend to attach your self-worth to and why?"
Is it your relationships, your job title, your finances, your appearance, etc.? Why do you think you place so much emphasis on external status? How does it make you feel when you are defining yourself through these entities and/or people outside of yourself?
Then, ask yourself, "Without these things, who am I?"
Once you have your answers, show yourself kindness, remove the shame, and, as Denise says, "Redefine yourself by detaching your value from the things and people you have no control over and no longer serve you. Challenge yourself to define yourself outside of titles and societal values."
"By returning home to your core, you find value in who you are as a person. You begin to find value in the way you love instead of your relationship status, your compassion instead of your popularity, your drive instead of your income/job title, and your heart instead of your physical appearance," she adds.
"By returning home to your core, you find value in who you are as a person."
"Be intentional with healing your self-worth by leaning into the people and things that nourish your core values. Surround yourself with the people who love and cherish you, they will always remind you just how valuable you truly are."
It all goes back to self-compassion and grace. As Denise explains, leading with those two things as you heal and rebuild your self-worth allows you to reduce negative self-talk that might come up for you. "This weakens thoughts like, 'I am not enough... why am I never enough?'" she shares, "And 'I don't deserve this while strengthening thoughts like 'I deserve better,' 'I am enough,' and 'I am worth it.'"
Denise continues, "Once you return home and remember the irreplaceable person you are, you can rebuild your self-worth by placing it back where it belongs. It belongs to you."
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