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<book id="46542">
  <title><![CDATA[Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever]]></title>
  <isbn><![CDATA[0307341526]]></isbn>
  <isbn13><![CDATA[9780307341525]]></isbn13>
    <image_url>http://photo.goodreads.com/books/1170332028m/46542.jpg</image_url>
    <work>
  <best_book_id type="integer">46542</best_book_id>
  <books_count type="integer">3</books_count>
  <default_description>Get Rich, Don&amp;#8217;t Bitch&lt;br&gt;&lt;br&gt;&amp;#8220;I don&amp;#8217;t have time to deal with my money.&amp;#8221;&lt;br&gt;&lt;br&gt;&amp;#8220;Managing money and investing is too intimidating.&amp;#8221;&lt;br&gt;&lt;br&gt;&amp;#8220;I&amp;#8217;m not a numbers person.&amp;#8221;&lt;br&gt;&lt;br&gt;&amp;#8220;My husband takes care of our finances.&amp;#8221;&lt;br&gt;&lt;br&gt;&amp;#8220;I&amp;#8217;m just not good with money.&amp;#8221;&lt;br&gt;&lt;br&gt;&lt;br&gt;Jean Chatzky has heard all the excuses for why women don&amp;#8217;t deal with their finances. She used to make them herself. For the first time, Jean tells you how she made every financial mistake in the book&amp;#8212;not paying her bills, going into credit card debt, letting her 401(k) lapse&amp;#8212;before finally making the decision to take control of her money and her future. &lt;br&gt;&lt;br&gt;Whether you&amp;#8217;ve made these mistakes or you want to avoid them, if you&amp;#8217;re ready to take charge of your financial life then this is the book for you. In it, Jean shares these valuables lessons:&lt;br&gt;&lt;br&gt;&amp;#8226; Where to start&lt;br&gt;&lt;br&gt;&amp;#8226; How to decode financial jargon (it&amp;#8217;s easier than you think)&lt;br&gt;&lt;br&gt;&amp;#8226; How to get over your &amp;#8220;I&amp;#8217;m not smart enough to deal with money&amp;#8221; feelings&lt;br&gt;&lt;br&gt;&amp;#8226; Why being a &amp;#8220;good-enough investor&amp;#8221; will make you more money in the long-term (while trying to be a &amp;#8220;great investor&amp;#8221; will drive you crazy)&lt;br&gt;&lt;br&gt;&amp;#8226; Why you might think you are bad at math, and why that doesn&amp;#8217;t have to be true&lt;br&gt;&lt;br&gt;&amp;#8226; How (and where) to save your money&lt;br&gt;&lt;br&gt;&amp;#8226; Why women make better investors&amp;#8212;and higher returns&amp;#8212;than men&lt;br&gt;&lt;br&gt;Jean is famous for her ability to explain money and investing. In a clear and accessible way, she breaks down all the scariest parts of dealing with money&amp;#8212;from investing in stocks to saving for your retirement&amp;#8212;to make them doable, easy, and yes, even enjoyable. She also includes throughout a &amp;#8220;Map to a Million,&amp;#8221; great tips on easy and quick financial changes you can make immediately . . . that really add up!&lt;br&gt;&lt;br&gt;&lt;br&gt;Are You Ready to Be Rich?&lt;br&gt;&lt;br&gt;If you want to get rich, if you want to be wealthier than you are today, you really need to do only four things. That&amp;#8217;s right, just four things. &lt;br&gt;&lt;br&gt;&amp;#8226; You need to make a decent living&lt;br&gt;&lt;br&gt;&amp;#8226; You need to spend less than you make&lt;br&gt;&lt;br&gt;&amp;#8226; You need to invest the money you don&amp;#8217;t spend so that it can work as hard for you as you&amp;#8217;re working for yourself &lt;br&gt;&lt;br&gt;&amp;#8226; And you need to protect yourself and this financial world you&amp;#8217;ve built so that a disaster&amp;#8212;big or small&amp;#8212;doesn&amp;#8217;t take it all away from you&lt;br&gt;&lt;br&gt;Everything else is just window-dressing. The fees&amp;#8212;and how to avoid them. The advisors&amp;#8212;and how to hire them. The deals. The scams. The ins. The outs. They are all interesting. Some of them are even quite important. But until you have conquered the heart of the matter, they are all minutia. &lt;br&gt;&lt;br&gt;The four cornerstones, by contrast, are the meat and potatoes of your financial life. If you do those things today, you&amp;#8217;ll start getting rich tomorrow. And once you feel set financially, you&amp;#8217;ll be able to start focusing on the truly important things in life. &amp;#8212;&lt;b&gt;from the Introduction&lt;/b&gt;</default_description>
  <id type="integer">45658</id>
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  <original_publication_day type="integer" nil="true"></original_publication_day>
  <original_publication_month type="integer" nil="true"></original_publication_month>
  <original_publication_year type="integer">2006</original_publication_year>
  <original_title>Make Money, Not Excuses: Wake Up, Take Charge, and Overcome Your Financial Fears Forever</original_title>
  <rating_dist>total:75|5:13|4:23|3:29|2:9|1:1|</rating_dist>
  <ratings_count type="integer">75</ratings_count>
  <ratings_sum type="integer">263</ratings_sum>
  <reviews_count type="integer">142</reviews_count>
  <text_reviews_count type="integer">17</text_reviews_count>
</work>

  <average_rating><![CDATA[3.51]]></average_rating>
  <ratings_count><![CDATA[65]]></ratings_count>
  <text_reviews_count><![CDATA[13]]></text_reviews_count>
  <url><![CDATA[http://www.goodreads.com/book/show/46542.Make_Money_Not_Excuses_Wake_Up_Take_Charge_and_Overcome_Your_Financial_Fears_Forever]]></url>
  <authors>
        <author id="26057">
      <name><![CDATA[Jean Chatzky]]></name>
      <role><![CDATA[]]></role>
      <url><![CDATA[http://www.goodreads.com/author/show/26057.Jean_Chatzky]]></url>
      <average_rating><![CDATA[3.32]]></average_rating>
      <ratings_count><![CDATA[241]]></ratings_count>
      <text_reviews_count><![CDATA[64]]></text_reviews_count>
    </author>
      </authors>
    <reviews start="1" end="20" total="142">
    <review id="54746488">
    <user id="2174508">
    <name><![CDATA[Monica]]></name>
    <location><![CDATA[Woodstock, GA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2174508-monica-willyard]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Feb 11 00:00:00 -0800 2009</read_at>
  <date_added>Sat May 02 20:16:09 -0700 2009</date_added>
  <date_updated>Sat May 02 20:26:17 -0700 2009</date_updated>
  <read_count>2</read_count>
    <body><![CDATA[There is something about this author's style and outlook on life that irritates me. I don't know why except that her assumptions about her readers' incomes are a little skewed. While this book does have some practical advice that everyone can use, it seems to be aimed at people with large incomes, m...<a href="http://www.goodreads.com/review/show/54746488">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/54746488]]></url>
</review>
    <review id="20721562">
    <user id="341014">
    <name><![CDATA[Courtney]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/341014-courtney]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Tue Apr 01 00:00:00 -0700 2008</read_at>
  <date_added>Tue Apr 22 09:29:44 -0700 2008</date_added>
  <date_updated>Tue Apr 22 09:34:22 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I only gave this 4 stars because it's really only geared for women, so men would not enjoy this book :)<br/><br/>That being said, hello, I'm a woman, so yeah, I want a financial book geared to me.  It helped me pinpoint my spending weaknesses, as well as encourages readers to live within their mea...<a href="http://www.goodreads.com/review/show/20721562">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/20721562]]></url>
</review>
    <review id="3425903">
    <user id="121530">
    <name><![CDATA[Gwen]]></name>
    <location><![CDATA[Columbus, OH]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/121530-gwen]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Jul 01 00:00:00 -0700 2007</read_at>
  <date_added>Mon Jul 23 16:23:44 -0700 2007</date_added>
  <date_updated>Wed Aug 22 06:16:13 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[Now that I am finally receiving a decent paycheck, I really appreciated some of the advice Chatzky gave on saving and investing.  She does a good job of covering the bases for single women as well as married and/or with children, and gives several possible scenarios.  However, I disliked that she st...<a href="http://www.goodreads.com/review/show/3425903">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/3425903]]></url>
</review>
    <review id="49978833">
    <user id="1448414">
    <name><![CDATA[Alexa]]></name>
    <location><![CDATA[Chandler, AZ]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1448414-alexa]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
        <shelf name="personal-finance" />
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Sep 01 00:00:00 -0700 2006</read_at>
  <date_added>Sat Mar 21 13:38:47 -0700 2009</date_added>
  <date_updated>Sat Mar 21 13:42:47 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[I read quite a few personal finance books, and only keep the best ones for my own library. This isn't the very best I've read, but it's definitely up there. Would definitely recommend.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/49978833]]></url>
</review>
    <review id="28384191">
    <user id="743767">
    <name><![CDATA[Katarina]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/743767-katarina]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Tue Jul 01 00:00:00 -0700 2008</read_at>
  <date_added>Sat Jul 26 17:29:33 -0700 2008</date_added>
  <date_updated>Sat Jul 26 20:01:24 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[This book is geared for women and for those of us who find personal finances a bit intimidating. She spells it out, although I found a bit wordy at times.<br/><br/>I do have to say it inspired me to get organized with my finances and budget better to move toward financial goals...which was my goal...<a href="http://www.goodreads.com/review/show/28384191">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/28384191]]></url>
</review>
    <review id="19277994">
    <user id="1045720">
    <name><![CDATA[Nikki]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1045720-nikki]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Thu Nov 01 00:00:00 -0700 2007</read_at>
  <date_added>Wed Apr 02 05:56:43 -0700 2008</date_added>
  <date_updated>Wed Apr 02 06:02:34 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I have saving intentions but find it difficult to make it work with the family. This is a great book for motivation and to discover small ways to pinch those pennies. There are good logical examples of how to cut some unnecessary spending that I could share that weren't &quot;off the deep end&quot;....<a href="http://www.goodreads.com/review/show/19277994">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/19277994]]></url>
</review>
    <review id="24354963">
    <user id="411814">
    <name><![CDATA[Ann]]></name>
    <location><![CDATA[Knoxville, TN]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/411814-ann]]></url>
  </user>
      <rating>2</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Jun 27 07:39:11 -0700 2008</read_at>
  <date_added>Thu Jun 12 15:23:52 -0700 2008</date_added>
  <date_updated>Fri Jun 27 07:39:11 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I've seen Jean several times on the Today Show, Oprah and Larry King Live. She was on Larry King again last night with Dave Ramsey and I just loved her no-nonsense, common sense approach to finances. I loved the &quot;Stop Making Excuses&quot; part of the books' title too. Feel I'm in that funk with...<a href="http://www.goodreads.com/review/show/24354963">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/24354963]]></url>
</review>
    <review id="9120027">
    <user id="107454">
    <name><![CDATA[Casey]]></name>
    <location><![CDATA[Utica, MI]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/107454-casey]]></url>
  </user>
      <rating>2</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
        <shelf name="self-help" />
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Thu Nov 01 00:00:00 -0700 2007</read_at>
  <date_added>Wed Nov 14 14:23:53 -0800 2007</date_added>
  <date_updated>Wed Nov 14 14:33:56 -0800 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[This book went from being way too basic (how to have a garage sale to make money) to unrealistic for the average person (investing $2000 a month). She had a lot of math and glossed over some things that needed deeper explanations. <br/><br/>It wasn't a total loss, I did get a couple of tips, but i...<a href="http://www.goodreads.com/review/show/9120027">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/9120027]]></url>
</review>
    <review id="6802736">
    <user id="414271">
    <name><![CDATA[Aileen]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/414271-aileen]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Tue Sep 25 19:10:07 -0700 2007</date_added>
  <date_updated>Tue Sep 25 19:12:24 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[I liked the section on organizing your documents, bills and paperwork. Practical, useful advice. I went out and bought my very first electronic labeler so I can start to get organized. Course, it would have been better if I had remembered to get the batteries for the darn thing as well. Doh!]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/6802736]]></url>
</review>
    <review id="34254419">
    <user id="652259">
    <name><![CDATA[Elizabeth]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/652259-elizabeth]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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        <shelf name="finance" />
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Mon Sep 01 00:00:00 -0700 2008</read_at>
  <date_added>Tue Sep 30 21:35:27 -0700 2008</date_added>
  <date_updated>Tue Sep 30 21:37:28 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[This contained all the tips/recommendations/information that are usually in her books, as well as a list of excuses that women typically have. For someone who really is struggling to take control of their finances, this would be a good read.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/34254419]]></url>
</review>
    <review id="18086930">
    <user id="1001778">
    <name><![CDATA[Julie]]></name>
    <location><![CDATA[Pine Meadow, CT]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1001778-julie]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Feb 01 00:00:00 -0800 2008</read_at>
  <date_added>Wed Mar 19 06:58:57 -0700 2008</date_added>
  <date_updated>Wed Mar 19 06:58:57 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Well, if this one doesn't get you off your butt to start saving money ... then the one by Larry Winget will.  Seriously, it's a great start.  Real live things you can DO, even if you're starting from negative scratch.  It worked for me. ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/18086930]]></url>
</review>
    <review id="15833194">
    <user id="921561">
    <name><![CDATA[Karen]]></name>
    <location><![CDATA[Williamstown, NJ]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/921561-karen]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Feb 01 00:00:00 -0800 2008</read_at>
  <date_added>Tue Feb 19 15:11:07 -0800 2008</date_added>
  <date_updated>Thu Feb 21 17:13:30 -0800 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Excellent book for learning how to manage your money at any age and with as little or much as you have in your account! The &quot;map to millions&quot; plans in the book make it easy to see what you can do with your money!]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/15833194]]></url>
</review>
    <review id="25575282">
    <user id="1232185">
    <name><![CDATA[Tricia]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1232185-tricia]]></url>
  </user>
      <rating>4</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Thu Jun 26 12:17:11 -0700 2008</date_added>
  <date_updated>Thu Jun 26 12:19:33 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[if oudn this to be a great reality check on why chicks spend money unnecessarily and how we can stop.  i just finished this and already have used a bunch of her tips. ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/25575282]]></url>
</review>
    <review id="20374524">
    <user id="648994">
    <name><![CDATA[Jen]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/648994-jen]]></url>
  </user>
      <rating>3</rating>
  <votes>0</votes>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Thu Apr 17 00:00:00 -0700 2008</read_at>
  <date_added>Thu Apr 17 08:10:21 -0700 2008</date_added>
  <date_updated>Wed May 07 00:25:47 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Didn't read all of the book closely, but the review of investing was good. Had some really good reminders about the saving/investing of money.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/20374524]]></url>
</review>
    <review id="33230795">
    <user id="417323">
    <name><![CDATA[Erika]]></name>
    <location><![CDATA[Indonesia]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/417323-erika]]></url>
  </user>
      <rating>5</rating>
  <votes>0</votes>
  <sell_flag>false</sell_flag>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Thu Sep 18 22:26:43 -0700 2008</date_added>
  <date_updated>Thu Sep 18 22:28:43 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[This book is simple and easy to understand. Through my years in my career, I couldn't save a cent. But now I know how...]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/33230795]]></url>
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  <read_at>Sun Apr 01 00:00:00 -0700 2007</read_at>
  <date_added>Tue Jan 08 07:24:50 -0800 2008</date_added>
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    <body><![CDATA[This was great book with tons of suggestions that really work.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/11958489]]></url>
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    <body><![CDATA[332.024 Cha]]></body>
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