"A Woman’s Guide To Family Finances" is no-nonsense and straight-shooting. It gives practical advice to any woman interested in getting control of family finances, whether she is married, single with kids or on her own.
The book also includes help for financial recovery for the deeply in debt and for the suddenly unemployed.
Divided into two sections, Ellie Kay jumps into the hard truth with "Where Did All The Dough Go?"

Ms Kay’s description of the America’s normal family:

• Married with two children
  
• Modest home with a 30 year mortgage
  
• $40,000 annual income
  
• Savings account with less than $500 in it
  
• $8,000 in credit card debt
  
• Two car payments
  
• No household budget
  
• No long-term retirement account
  
• They want their children to go to college

Where they hope to be One Fine Day

• Paid off mortgage
  
• Paid off credit cards
  
• Nice savings account
  
• IRAs
  
• Kids sent to college
  
• Retirement

And where they will actually be if they continue their financial habits shows a vast divide that hits all too close to home for many of us.

"What are you willing to do today in order to make your family’s financial dreams cone true in the future?"

Ellie Kay goes on to show the different personalities and emotions that drive financial decisions. Chances are you will find yourself in one or more of these personalities as I did.
But, take heart, she gives practical ways to break free from the destructive spending cycles that accompany each of these personalities.

After facing the hard truth of who we are and how we spend, we get to take action in Section 2 "Money Management For Everyone"
In this section there are action steps such as Ten Tips to Save Ten Bucks in Ten Minutes (or less) and establishing a household budget, based on The Fifty Thousand Dollar Pyramid
This section is packed with useful information about everything from choosing a mortgage to garage sales and Ebay.

The last chapter brings home the spiritual reason for being financially secure. - So that we can give generously, in very practical ways, to those in need.
I enjoyed Ms Kay’s entertaining sense of humor, which got me through even the painful areas of ‘self-recognition' and 'plastic (credit card) surgery'.

Ellie Kay is a speaker and best-selling author of seven books such as "Heroes at Home", "Money Doesn’t Grow on Trees - Teaching Kids the Value of a Buck" and "Shop, Save, and Share". She is the founder of Shop, Save, and Share seminars and has appeared on television and radio programs including CNN, Fox News, CNBC’s "Power Lunch" and radio programs.


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