Budgets Don't Work (But This Does): Drop the One-Size Fits All Approach to Money and Discover the Power of Understanding Your Unique Financial Type

by Melissa Browne

Overview

If you've ever tried to budget but found it just doesn't work, you need to read this book. When it comes to saving and spending money, we're not all the same. Yet for too long, the financial advice world has treated us as if we are. This book will give you the tools you need to make that long-awaited financial breakthrough, allowing you to discover your 'Financial Phenotype': the unique combination comprising your Money Story, your Money Environment, your Money Type and, just as importantly, the habits, triggers and tricks that are right for you.Once you realise that the one-size-fits-all approach to finances you've been trying to adopt doesn't work for most people, it can be liberating. Finally there's a rational explanation for why you've struggled with money-why you're perpetually sabotaging, why you're constantly at loggerheads with your partner or why you just can't seem to be consistent.When it comes to other areas of your life, such as food and exercise, you've no doubt embraced a multi-faceted, often highly personalised approach and you recognise that's important. Why should it be any different when it comes to your finances?That's why understanding your Money Story and discovering your Money Type is the key to financial success.

Product Details

ISBN-13:	9781760874704
Publisher:	Allen & Unwin
Publication date:	07/02/2020
Sold by:	INDEPENDENT PUB GROUP - EPUB - EBKS
Format:	eBook
Pages:	240
File size:	1 MB

About the Author

Melissa Browne is an author, financial advisor, accountant and financial wellness advocate. She is CEO of the award-winning accounting and advisory firm A&TA (Accounting & Taxation Advantage) and CEO of the financial planning business for 28-48 year olds who want to financially grow up The Money Barre. Melissa also writes a fortnightly column for the Money section in The Sydney Morning Herald and Melbourne's The Age and has also been a regular contributor to CEO Magazine, Latte magazine and The Gloss magazine. She makes regular TV and radio appearances including the Today Show, Weekend Sunrise, Weekend Today, Sky Business, Triple J and The Daily Edition. She has also been featured in or written articles for Cosmopolitan, Who, Vogue, Elle, The Collective, Harpers Bazaar, Rendezvous, Madison and more. In 2013 she was featured in Madison magazine as one of Australia's 100 most inspiring women and in 2016 was named one of the Financial Review's 100 Women of Influence.

Table of Contents

Introduction xiii

1 Understanding the Basics: Nature and nurture 1

Part 1 Nurture

2 Nurture and Our Environment 11

3 Money Stories 21

4 What's Your Money Story? 34

5 What's Your Money Environment? 45

6 Money Stories and Environments Worksheet Recap 59

Part 2 Nature

7 Nature: How we innately behave 65

8 Your Money Type 76

9 What's Your Money Type? 83

10 Your Money Type Explained 90

The Worker 90

The Creator 100

The Discerner 108

The Relator 118

Money Types at a Glance 127

Hybrid Money Types: Primary and secondary 130

11 Money Types Worksheet Recap 135

Part 3 Financial Phenotype in Action

12 Money Habits and Systems 139

1 Goals 144

2 Plans 145

3 Bank Accounts 146

13 Great Money Habits for Each Money Type 153

The Worker 156

The Creator 165

The Discerner 172

The Relator 181

The Wrap-Up 188

14 Stressors and Sabotage 190

15 Habits Worksheet Recap 200

16 Compulsion and Addiction 202

17 Where To From Here 210

Acknowledgements 213

About Mel 215

Want to Work with Me? 216