BN.com Gift Guide

The Smart Cookies' Guide to Making More Dough: How Five Young Women Got Smart, Formed a Money Club, and Took Control of Their Finances

( 8 )

Overview

Smart, accessible, and offering the fresh perspective of women who've "been there" and triumphed, The Smart Cookies' Guide to Making More Dough is your hands-on blueprint for achieving financial independence and success in every area of your life.
Read More Show Less
... See more details below
Available through our Marketplace sellers.
Other sellers (Hardcover)
  • All (60) from $1.99   
  • New (9) from $1.99   
  • Used (51) from $1.99   
Close
Sort by
Page 1 of 1
Showing All
Note: Marketplace items are not eligible for any BN.com coupons and promotions
$1.99
Seller since 2010

Feedback rating:

(829)

Condition:

New — never opened or used in original packaging.

Like New — packaging may have been opened. A "Like New" item is suitable to give as a gift.

Very Good — may have minor signs of wear on packaging but item works perfectly and has no damage.

Good — item is in good condition but packaging may have signs of shelf wear/aging or torn packaging. All specific defects should be noted in the Comments section associated with each item.

Acceptable — item is in working order but may show signs of wear such as scratches or torn packaging. All specific defects should be noted in the Comments section associated with each item.

Used — An item that has been opened and may show signs of wear. All specific defects should be noted in the Comments section associated with each item.

Refurbished — A used item that has been renewed or updated and verified to be in proper working condition. Not necessarily completed by the original manufacturer.

New
*~*~ Brand New, Mint Condition. Never Previously Owned.*~*~ Ships Immediately *~*~ Hassle-Free Refunds If you Aren't Fully Satisfied ~*~*

Ships from: Deer Park, NY

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2014

Feedback rating:

(0)

Condition: New
Hardcover New 0385342446.

Ships from: Fayetteville, GA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2014

Feedback rating:

(316)

Condition: New
Hardcover New 0385342446 XCITING PRICES JUST FOR YOU. Ships within 24 hours. Best customer service. 100% money back return policy.

Ships from: Bensalem, PA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2009

Feedback rating:

(2559)

Condition: New
2008-09-30 Hardcover First Edition New 0385342446 Ships Within 24 Hours. Tracking Number available for all USA orders. Excellent Customer Service. Upto 15 Days 100% Money Back ... Gurantee. Try Our Fast! ! ! ! Shipping With Tracking Number. Read more Show Less

Ships from: Bensalem, PA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2014

Feedback rating:

(489)

Condition: New
Hardcover New 0385342446! ! KNOWLEDGE IS POWER! ! ENJOY OUR BEST PRICES! ! ! Ships Fast. All standard orders delivered within 5 to 12 business days.

Ships from: Southampton, PA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2010

Feedback rating:

(1021)

Condition: New
Hardcover New 0385342446 Friendly Return Policy. A+++ Customer Service!

Ships from: Philadelphia, PA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$1.99
Seller since 2010

Feedback rating:

(769)

Condition: New
Hardcover New 0385342446! ! ! ! BEST PRICES WITH A SERVICE YOU CAN RELY! ! !

Ships from: Philadelphia, PA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$3.96
Seller since 2010

Feedback rating:

(68)

Condition: New
2008 Hard cover New in fine dust jacket. Remainder Sewn binding. Cloth over boards. With dust jacket. 230 p. Audience: General/trade.

Ships from: Brea, CA

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
$33.32
Seller since 2014

Feedback rating:

(320)

Condition: New
Brand New Item.

Ships from: Chatham, NJ

Usually ships in 1-2 business days

  • Canadian
  • International
  • Standard, 48 States
  • Standard (AK, HI)
  • Express, 48 States
  • Express (AK, HI)
Page 1 of 1
Showing All
Close
Sort by
Do Gentlemen Really Prefer Blondes?: Bodies, Behavior, and Brains--the Science Behind Sex, Love, and Attraction

Available on NOOK devices and apps  
  • NOOK Devices
  • Samsung Galaxy Tab 4 NOOK 7.0
  • Samsung Galaxy Tab 4 NOOK 10.1
  • NOOK HD Tablet
  • NOOK HD+ Tablet
  • NOOK eReaders
  • NOOK Color
  • NOOK Tablet
  • Tablet/Phone
  • NOOK for Windows 8 Tablet
  • NOOK for iOS
  • NOOK for Android
  • NOOK Kids for iPad
  • PC/Mac
  • NOOK for Windows 8
  • NOOK for PC
  • NOOK for Mac
  • NOOK for Web

Want a NOOK? Explore Now

NOOK Book (eBook)
$13.99
BN.com price

Overview

Smart, accessible, and offering the fresh perspective of women who've "been there" and triumphed, The Smart Cookies' Guide to Making More Dough is your hands-on blueprint for achieving financial independence and success in every area of your life.
Read More Show Less

Editorial Reviews

From Barnes & Noble
In 2006, a single episode on The Oprah Winfrey Show inspired five women to form a personal finance club. The Smart Cookies, as they dubbed themselves, lacked experience and barely knew each other when they started, but somehow they were able to overcome these obstacles and achieve financial success. With easy-to-follow advice, this book explains their strategies and teaches readers the rudiments of effective money management.
Publishers Weekly

In 2006, a group of 20-something women saw an episode of Oprah that featured financial experts offering advice on paying down debt. Though all five were outwardly confident in their careers and goals, they were secretly drowning financially; between them, they had a combined $35,000 in credit card debt and barely any savings. Inspired by what they'd seen, they started a money group and took responsibility for educating themselves about spending (and saving) habits, goals and investments. Within a year they made great strides: they'd added thousands to retirement accounts, paid off more than $15,000 in credit card debt, saved more than $15,000 and had all bought or were well on their way to buying homes. The enterprising authors address the nitty-gritty of goal-setting, negotiations for raises, debt management and mortgages, and their plainspoken, encouraging style and helpful breakdown of information make this the perfect gift for recent grads-or anyone who needs convincing that financial health is attainable. (Oct.)

Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
From the Publisher
"The Smart Cookies' story will inspire you, and the successful strategies they share will help you improve your finances and your life. There are definitely Smart Women who are Finishing Rich!"
—David Bach, #1 New York Times bestselling author of Smart Women Finish Rich and The Automatic Millionaire

"Anyone who's afraid to take hold of her financial life should grab this inspiring book with both hands. These five women, who started as a 'collective financial mess,' turned their situations around in less than a year."
—Liz Pulliam Weston, MSN Money columnist and author of Deal with Your Debt

"The enterprising authors address the nitty-gritty of goal setting, negotiations for raises, debt management and mortgages, and their plainspoken, encouraging style and helpful breakdown of information make this the perfect gift for recent grads – or anyone who needs convincing that financial health is attainable."
Publishers Weekly (starred review)

“The Smart Cookies weave their likeable, identifiable personal narratives through all of their work, making them appear as a five-element every-woman.”
National Post

From the Hardcover edition.

Read More Show Less

Product Details

  • ISBN-13: 9780385342445
  • Publisher: Random House Publishing Group
  • Publication date: 9/30/2008
  • Pages: 256
  • Product dimensions: 6.10 (w) x 9.10 (h) x 1.00 (d)

Meet the Author

The Smart Cookies are Andrea Baxter, Katie Dunsworth, Robyn Gunn, Sandra Hanna and Angela Self. They live in Vancouver.

Jennifer Barrett has written about financial issues for The Wall Street Journal, New York Times and Newsweek, where she is currently a general editor. She lives in New York City.

From the Hardcover edition.

Read More Show Less

Read an Excerpt

The Smart Cookies' Guide to Making More Dough
How Five Young Women Got Smart, Formed a Money Group, and Took Control of Their Finances

By The Smart Cookies
Delacorte Press
Copyright © 2008

The Smart Cookies
All right reserved.


ISBN: 9780385342445


chapter 1

The Taboo Topic

Starting the Conversation about Money


Money.

How often have you said the word aloud? How often do you talk about it with your friends, your family, or your colleagues at work? Do you know your best friend’s credit-card balance? Or how much your parents owe on their mortgage? Have you ever asked your colleagues how they manage their money?

Probably not. To do so would seem almost as intrusive as asking about their bedroom activities, right? Or worse! In fact, we’re probably more likely to share stories of our sexual exploits than to divulge details about our paychecks or credit-card statements with our friends and family.

Money is ever-present in our lives. We use it daily and can’t survive without it, yet women hardly ever talk about it with each other. We’ve been conditioned to believe that it’s impolite to ask how much money someone makes, or how much they paid for their home, and distasteful to disclose how much we earn from our investments. We’re discouraged from discussing how much money we have, and we worry about being perceived as greedy for wanting to earn more–or, at least, saying so out loud–especially if we have a job thatwe love. (The Smart Cookies definitely do not subscribe to this belief. It’s one of many myths about money we’ll discuss in this book that keep women from earning what we’re worth.)

You probably have no problem telling your girlfriends about the great deal you got on that Isaac Mizrahi dress at Target. But have you ever compared earnings or investment strategies over cocktails?

Until we formed the Smart Cookies Money Group, we hadn’t either. In fact, we would consciously keep from talking about how much money we had, made, or owed, to avoid making anyone uncomfortable, including ourselves. Instead, we’d steer the conversation toward more neutral topics like dating or shopping or the last great book we read. We didn’t want to find out that our friends were making a lot more than we were or to admit that our paychecks weren’t as big as we wished they were. Some of us were embarrassed to disclose how much credit-card debt we had or, worse, to admit that we had no idea what our bank-account or credit-card balances were.

Whatever the reason we gave, we know now that our collective refusal to discuss our money problems only made them worse, and that our explanations were really all just excuses. Do any of these sound familiar?


IF I DON’T ACKNOWLEDGE MY DEBT,
MAYBE IT WILL GO AWAY

(Robyn)

I used to live by the motto “ignorance is bliss” when it came to money: If I didn’t think or talk about my growing debt, I thought, I wouldn’t have to worry about it. Of course, I knew deep down that it was there. But I figured I’d pay it off at some point. In the meantime, I just didn’t want to stress out about it. So I avoided looking at my ATM receipts and credit-card statements. I rarely even kept track of my bank balance (it was usually so depressingly low). I regularly went over my checking-account limit and paid extra fees as a result. But if my debit card was declined, I’d just pull out a credit card. That would explain why, at the time I joined the Smart Cookies Money Group, I had nearly $12,000 in debt.


I’M NO GOOD WITH MONEY, SO WHY TALK ABOUT IT?

(Angela)

I didn’t like to discuss money because that would have meant revealing my ignorance on the topic. I remember being so clueless about my finances when we had our first money-group meeting that I actually had to check with my then-boyfriend to find out how much we had in our bank account and what we paid on our mortgage each month. It is awful to admit, but I handed my paychecks over to him every two weeks and he essentially handed me an allowance. At the time it seemed like the right decision. He was good with money, and I thought I wasn’t (something I laugh about now). He liked reviewing our finances, and at the time I’d convinced myself that looking at numbers on a spreadsheet was boring. He told me he had everything under control, and I believed him. I rarely spoke up about our finances because I felt I didn’t have much credibility. The result? I wasn’t even sure where to find any of our financial documents or how much equity in our home I was entitled to claim when we separated.


I DON’T WANT MY COLLEAGUES TO THINK
I CAN’T KEEP UP WITH THEM

(Sandra)

Since my friends and I never talked about how much money we made, I’d assumed that Andrea, with her well-kept hair, Seven jeans, and designer sunglasses, had it all together and wouldn’t relate to my financial problems. Andrea and I both worked at the same company, but I never asked how she afforded her elegant attire. That seemed impolite. I just figured that if she could, I should be able to too. I had been really disciplined when I’d lived at home with my parents, automatically depositing a portion of my paycheck into a savings account. I’d put away nearly $8,000. But saving money became a much bigger challenge once I moved out on my own and was suddenly responsible for covering my room and board and everything else. Within months, I went through the money I had saved up and charged another $2,000 on my credit card, going out and trying to keep up with Andrea and my other well-dressed colleagues. I was shocked (and a little relieved) to learn at our first money-group meeting that Andrea had the most debt of all of us: nearly $18,000.


WHAT WOULD MY FRIENDS SAY IF THEY KNEW
THE TRUTH?

(Andrea)

I felt a lot of pressure to keep up my professional appearance, and I had told myself that I needed to maintain a certain image to be successful in my career. Of course, there’s nothing wrong with looking polished and put together. But for me, that was just an excuse to spend a lot of money I didn’t have on pricey designer clothes and too many dinners out with friends that I wanted but knew I couldn’t really afford. I may have looked like I was wealthy, but I was anything but. I was in such financial straits at the time we formed our group that I had begun avoiding the phone for fear of facing another call from my creditor–or, worse, one from a collection agency. If Sandra had continued trying to keep up with me, she probably would have ended up in the same financial predicament. Of course, until I became a Smart Cookie, I did my best to make sure that no one knew how I’d paid for all those clothes. I was petrified that the people I liked and respected would think I was a failure if they found out how much debt I had accumulated trying to maintain a lifestyle I couldn’t afford.


I DON’T WANT TO STOP SHOPPING!

(Katie)

As a public-relations manager, I was making a lot of money for someone my age, and I figured I deserved a nice wardrobe (“nice” meaning expensive, of course). But I must have known deep down that my spending was a little out of control. I looked forward to my fiancé’s golf outings so I could go shopping and stash away new purchases before he came home. I would scurry around trying to hide the evidence, putting the cut-off tags and shopping bags at the bottom of the trash bin. When he’d ask whether an outfit I’d bought was new, I’d lie and tell him he’d seen it before. Then one afternoon, after I’d bought a $300 pair of True Religion jeans, I forgot to tuck the receipt away in my wallet. My fiancé spotted it and asked if I had really spent this much on yet another pair of jeans. I felt my heart race, and my face grew red. He was flabbergasted by this kind of spending–especially since I owned nearly a dozen pairs already. And I couldn’t explain the purchase to him, or to myself. I knew it was time to get help, or, I feared, my spending habits could cause long-term damage to our relationship, not just our bank account. I realized I’d been afraid of talking about money with my friends or with my fiancé, because that meant acknowledging the hundreds of dollars I was spending, or charging, on new clothes each month–and it might mean the end of my shopping sprees altogether! By the time we formed the money group, I had about $3,000 in credit-card debt, almost all of it from shopping. That was something I definitely didn’t want to admit to my fiancé, my friends, or myself. But I did. (And, by the way, I am as stylish as ever. I just became a smarter shopper. But we’ll get to that in Chapter Four.)


In fact, we all confessed the details of our financial situations in that first meeting: how much we made, how much we owed, and how much we needed to learn about managing our money. It was scary and a little embarrassing. But it was also a great relief. Admitting our own money mistakes, and learning about those that our peers had made along the way, actually made us feel less anxious about our situations and created an immediate bond between us. The real reason none of us had wanted to talk about money was because that would force us to take responsibility for the mistakes we’d made–or were still making. But we quickly realized that it was only once we started talking about the less-than-ideal state of our finances that we were finally able to do something about it.

It was comforting for each of us to know that four other intelligent, successful women–who, by outward appearances, seemed perfectly put together–faced similar financial challenges. We learned that even though our incomes were different, we had each been struggling with similar issues. There was no reason to tackle them on our own. We all had concerns and questions about our finances. Now we also had one another to provide answers, support, and advice; to hold us each accountable; and to keep us motivated as we worked toward our financial goals. That gave each of us a renewed sense of commitment and confidence.

As we mentioned in the introduction, you don’t need to be in a money group right now to enjoy the same benefits. But if you want to form a money group, skip ahead to the last chapter for a step-by-step guide on how to do it. Once it is in place, you can go back and use this book as a curriculum for your group meetings. At the end of each chapter we’ve included five exercises we’ve done ourselves related to that chapter’s issues, along with five questions you can answer yourself or use to help fuel the discussions with your fellow money-group members. These sections can also help set the agendas for your money group; there are enough subjects in each chapter to get you started and to keep the conversation going for several meetings. We’ve done a lot of research too, so you should be able to find the answers within the chapters to any questions that come up in your meetings. (They certainly did in ours.) But if you get stumped, you can e-mail questions to us directly through our website: www.smartcookies.com or at info@smartcookies.com. And if you need extra work sheets or other tools, you can download them from the website as you go along.

Continues...

Excerpted from The Smart Cookies' Guide to Making More Dough by The Smart Cookies
Copyright © 2008 by The Smart Cookies. Excerpted by permission.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

Read More Show Less

Table of Contents


Foreword Jean Chatzky xiii Introduction: The Smart Cookies' Story xv About Us xxiii Chapter 1 The Taboo Topic: Starting the Conversation about Money 1 Chapter 2 Know Your Numbers: Four Facts You Need to Know about Your Finances 25 Chapter 3 Whose Life Are You Living? How to Create (& Afford) the Life that You Want 51 Chapter 4 If the Shoe Fits, You Don't Have to Buy It: How to Be a Smart Spender 75 Chapter 5 Deflate Your Debt: Six Simple Steps to Get You Back in the Black 107 Chapter 6 Make More Dough: Easy Ways to Earn Extra Income 135 Chapter 7 Watch Your Dough Rise: Everything You Need to Know about Investing 155 Chapter 8 Home $weet Home: How to Get Real Value in Real Estate 177 Chapter 9 Join the Group: A Step-by-Step Guide to Starting Your Own Money Group 197 Afterword: Live Your Richest Life 209 Notes 213 Resources 219 Index 225
Read More Show Less

Customer Reviews

Average Rating 4
( 8 )
Rating Distribution

5 Star

(4)

4 Star

(1)

3 Star

(2)

2 Star

(0)

1 Star

(1)

Your Rating:

Your Name: Create a Pen Name or

Barnes & Noble.com Review Rules

Our reader reviews allow you to share your comments on titles you liked, or didn't, with others. By submitting an online review, you are representing to Barnes & Noble.com that all information contained in your review is original and accurate in all respects, and that the submission of such content by you and the posting of such content by Barnes & Noble.com does not and will not violate the rights of any third party. Please follow the rules below to help ensure that your review can be posted.

Reviews by Our Customers Under the Age of 13

We highly value and respect everyone's opinion concerning the titles we offer. However, we cannot allow persons under the age of 13 to have accounts at BN.com or to post customer reviews. Please see our Terms of Use for more details.

What to exclude from your review:

Please do not write about reviews, commentary, or information posted on the product page. If you see any errors in the information on the product page, please send us an email.

Reviews should not contain any of the following:

  • - HTML tags, profanity, obscenities, vulgarities, or comments that defame anyone
  • - Time-sensitive information such as tour dates, signings, lectures, etc.
  • - Single-word reviews. Other people will read your review to discover why you liked or didn't like the title. Be descriptive.
  • - Comments focusing on the author or that may ruin the ending for others
  • - Phone numbers, addresses, URLs
  • - Pricing and availability information or alternative ordering information
  • - Advertisements or commercial solicitation

Reminder:

  • - By submitting a review, you grant to Barnes & Noble.com and its sublicensees the royalty-free, perpetual, irrevocable right and license to use the review in accordance with the Barnes & Noble.com Terms of Use.
  • - Barnes & Noble.com reserves the right not to post any review -- particularly those that do not follow the terms and conditions of these Rules. Barnes & Noble.com also reserves the right to remove any review at any time without notice.
  • - See Terms of Use for other conditions and disclaimers.
Search for Products You'd Like to Recommend

Recommend other products that relate to your review. Just search for them below and share!

Create a Pen Name

Your Pen Name is your unique identity on BN.com. It will appear on the reviews you write and other website activities. Your Pen Name cannot be edited, changed or deleted once submitted.

 
Your Pen Name can be any combination of alphanumeric characters (plus - and _), and must be at least two characters long.

Continue Anonymously
Sort by: Showing 1 – 10 of 8 Customer Reviews
  • Posted May 18, 2010

    Straight forward book on how to get you there

    This was a fun book of ideas, different stories, approaches and really helps you look a different angles. While some characters you might not relate to, it gives you a guide to how different people spend money and are motivated differently. And you could tell how working in a team can really help keep each person on track. Great ideas and perspective, wonderful book for everyone, especially women to get themselves back on track. It's generally for a younger group of women 20's to 30's but cannot hurt for any age.

    Was this review helpful? Yes  No   Report this review
  • Posted November 6, 2008

    more from this reviewer

    Lot's of very good suggestion on how to make money on the side.

    Lot's of very good suggestion on how to make money on the side. some of them, I will definaetly follow.

    Was this review helpful? Yes  No   Report this review
  • Anonymous

    Posted August 3, 2009

    No text was provided for this review.

  • Anonymous

    Posted January 26, 2010

    No text was provided for this review.

  • Anonymous

    Posted September 27, 2011

    No text was provided for this review.

  • Anonymous

    Posted December 15, 2009

    No text was provided for this review.

  • Anonymous

    Posted March 13, 2011

    No text was provided for this review.

  • Anonymous

    Posted January 25, 2010

    No text was provided for this review.

  • Anonymous

    Posted July 2, 2013

    No text was provided for this review.

  • Anonymous

    Posted May 31, 2011

    No text was provided for this review.

Sort by: Showing 1 – 10 of 8 Customer Reviews

If you find inappropriate content, please report it to Barnes & Noble
Why is this product inappropriate?
Comments (optional)