The summer cool down is one of the perfect times of the year to download that book you've been wanting to read--just in time for fall. Especially when it comes to our finances. And, with the seemingly never-ending highs and lows on the impact of our normal routines--and budgets--in addition to so many other things, there's never been a better time than now to learn something new.
The good news is, there are numerous books out there for every stage of life and for every money goal, whether deciding to retire early, having those tough conversations with family about money, building generational wealth, or simply taking that leap in choosing to see money from a different point-of-view. But which truly speak to us?
According to Dr. Nicole Garner Scott, the exclusive xoTribe membership app's resident Money Coach, Black women may be bearing the brunt of this recession with our employment numbers dropping by 11 percent. But we refuse to allow this to affect our long-term goals--we can only pivot them, and continue, as she always lovingly says, "to put more intention behind the life cycle of our dollars."
So, here's a curated list of personal finance books you should add to your bookshelf ASAP: some personal faves and some highly-acclaimed. Happy reading!
*Some of the links below are affiliate links. If you make a purchase through our links, xoNecole may earn a small commission.
The Financial Diet: A Total Beginner's Guide to Getting Good with Money
The Financial Diet
The Financial Diet is the personal finance book for people who don't care about personal finance. Whether you're in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. It's about everything―from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering out again).
The One Week Budget: Learn to Create Your Money Management System in 7 Days or Less!
Amazon
In this book, The Budgetnista herself teaches you what took her years to learn. The One Week Budget is for anyone that wants to manage their day-to-day money without the day-to-day hassle. Does this sound like you? What are you waiting for? Read the book already!
Women & Money: Owning the Power to Control Your Destiny
Amazon
At the center of this fully revised and updated edition, Suze presents an all-new Financial Empowerment Plan, designed to get you to a place of emotional and financial security as quickly as possible—because the most precious commodity women have is time.
The Money Manual: A Practical Money Guide to Help You Succeed on Your Financial Journey
Amazon
All you need is information designed for you that empowers you to take action. An Amazon Best Seller, The Money Manual was designed to help you cut through the clutter that often leads to feeling overwhelmed and anxious. It's time you move from financially insecure to secure.
You Are a Badass at Making Money: Master the Mindset of Wealth
Amazon
You Are a Badass at Making Money will launch you past the fears and stumbling blocks that have kept financial success beyond your reach. Drawing on her own transformation—over just a few years—from a woman living in a converted garage with tumbleweeds blowing through her bank account to a woman who travels the world in style, Jen Sincero channels the inimitable sass and practicality that made You Are a Badass an indomitable bestseller. She combines hilarious personal essays with bite-size, a-ha concepts that unlock earning potential and get real results.
The 10 Pillars of Wealth: Mind-Sets of the World's Richest People
Think like a multi-millionaire: leave the 9 to 5 behind. The world has led you to believe that financial freedom is not something you can willfully create in your life. You have been taught to view wealth as something that happens only to a lucky few who win a random business lottery or are blessed with unimaginable talent. The TRUTH is that creating excessive financial wealth does not come down to luck or talent. It comes down simply to your beliefs, understanding, and views--the ''pillars'' that reinforce your every action.
Smart Women Finish Rich
Amazon
Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today's women.
Have you joined our xoTribe? Join today for weekly substantial conversations from like-minded women seeking a fulfilling financial journey.
Featured image by Shutterstock
Charmin Michelle is a southern native and creative spirit who works as a content marketer and events manager in Chicago. She enjoys traveling, #SummertimeChi, and the journey of mastering womanhood. Connect with her on Instagram @charminmichelle.
Exclusive: Melanie Fiona On Making High-Vibrational Music & Saying Yes To Partnership
Melanie Fiona is back! After taking a little more than a decade-long hiatus, she has officially made her return to music and blessed us with two singles, “Say Yes” and “I Choose You.” While both singles are very different from each other, they both reflect who she is today and the type of music she wants to make. In our conversation, the mom of two expressed what she learned during her time away.
“It's interesting, even when I said it is like coming back, I don't ever feel like I really left because I was always still performing. I've still been public. It's not like I went into being this recluse person or version of myself, but the thing that I really learned in this process is that I think things take time,” Melanie says in a xoNecole exclusive.
“I think often we're so caught up in it, being on the timing of demand or popularity, or, like, striking while the iron is hot and the thing that I've learned is that everything is on God's time. That's it. Every time I thought I would have been ready, or, like, things were taking too long, I had to reship some things, personally, professionally, in my life. I also gave myself permission to make a living, not just make a living, but make a life for myself.”
Making a life for herself included getting married to Grammy-nominated songwriter Jared Cotter, starting a family, and embracing new landscapes, such as podcasting as a co-host of The Mama’s Den podcast. She also began doing more spiritual work and self-care practices like meditation, sound healing, Reiki, acupuncture, and boundary setting, which allowed her to get in touch with her inner voice.
“I wasn't putting out music, and I wasn't experiencing a number one record, but I was being a number one mom,” she says.
“I was experiencing things that were allowing me to heal and get in touch with myself so that I could make new music from a space of joy and freedom, and excitement again because I definitely feel like I did lose some excitement because of just politics and industry and what it can do to your mental health and even your physical health. So giving myself the space to really just say, ‘Hey, it's okay. Everything's right on time.’”
The joy and excitement are felt in one of two new singles, “I Choose You,” which is more of a lovers rock vibe, a tribute to Melanie’s Caribbean roots. While the Grammy award-winner is known for ballads like “It Kills Me” and “Fool For You,” she is becoming more intentional about the music she makes, calling it high-vibrational music. She says her music is a “reflection of my life,” as it captures every facet, from hanging out with friends to riding around in her car.
“Say Yes” has the classic R&B vibe Melanie is known for. However, both songs are inspired by her relationship. Melanie and Jared got married in December 2020, and the Toronto-bred artist dished on their relationship. Fun fact: he is featured in the “Say Yes” music video.
“When we first started dating, I had come into that relationship post a lot of self-work. I had gotten out of a long-term relationship, I had a year and a half to date and be by myself and do a lot of work on myself alone. And when we met, I remember feeling like this has to be my person because I feel it,” she says.
“And so when we went into that relationship, and we started dating, I was very clear. I was like, I know what I want. I'm very clear on what I need, and I'm not going to withhold my truth about myself in this process because of pride or fear of rejection. I know you love me, but I'm coming with my heart in my hand to let you know that if we're gonna get there, we have to put fear aside and say yes. So that was kind of like my open letter to him, which is why the video is us having a conversation.”
Melanie also shares that saying yes to her partner has empowered her in many ways, including motherhood and showing up for herself. Her new EP, also titled Say Yes, will be available at the top of 2025.
Check out the full interview below.
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Feature image by Franco Zulueta
There's something about snuggling up in your favorite blanket and watching a comfort show or movie on Netflix, and what better time to do just that than in December? As the weather outside gets cooler, staying in becomes more of the norm. Thus, Netflix and Chill is a go-to. Luckily, Netflix has released new Black films and series on their popular streaming platform.
From Tyler Perry's historical drama The Six Triple Eight, starring Kerry Washington, to the Will Packer-produced comedy starring Marsai Martin, Regina Hall, and Issa Rae, Little, this season is looking up.
See the full list below.
Little (12/1)
Regina Hall's character is a bossy tech mogul who has everyone scared of her, including her assistant, played by Issa Rae. However, when she transforms into her younger self (Marsai Martin), she learns how to be more kind to others.
Daddy Day Care (12/1)
Eddie Murphy stars in this film as a father who decides to open a daycare after losing his job.
30 For 30 Collection (12/2)
30 For 30 is an ESPN docu-series highlighting some of sports' legendary figures and moments. Some of the episodes include Winning Time: Reggie Miller Vs. The New York Knicks and Celtics/ Lakers: The Best of Enemies.
Jamie Foxx: What Had Happened Was (12/10)
In this special, the multi-talented Jamie Foxx returns to stand-up to give an unforgettable performance.
Blood, Sweat & Heels S2 (12/13)
The short-lived Bravo reality TV series documented the lives of a group of girlfriends making it in NYC. The show starred model-turned-podcaster Melyssa Ford, author Demetria Lucas, and the late TV host Daisy Lewellyn.
The Equalizer S1-3 (12/16)
The hit CBS show starring Queen Latifah is now available on Netflix. Watch the beloved actress kick ass and take names in this popular drama.
The Six Triple Eight (12/20)
The new Tyler Perry film starring Kerry Washington is a true story about the first and only Women’s Army Corps unit of color during World War II.
Christmas Game Day Ravens Vs. Texans (12/25)
While many will tune in to watch the Baltimore Ravens vs. Houston Texans game, others will tune in to watch Beyoncé perform during halftime.
Michelle Buteau: A Buteau-ful Mind At Radio City Music Hall (12/31)
Comedian Michelle Buteau's comedy special will focus on her life with twins, going viral, and much more.
Evil S3 (12/31)
While Evil was unfortunately canceled by CBS, viewers can rewatch the series on Netflix, with season three premiering December 31st.
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