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Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Ind ependence: Revised and Updated for the 21st Century von [Robin, Vicki, Dominguez, Joe, Tilford, Monique]
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Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Ind ependence: Revised and Updated for the 21st Century Kindle Edition

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Länge: 384 Seiten Word Wise: Aktiviert Verbesserter Schriftsatz: Aktiviert
PageFlip: Aktiviert Sprache: Englisch

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Produktbeschreibungen

Amazon.de

There's a big difference between "making a living" and making a life. Do you spend more than you earn? Does making a living feel more like making a dying? Do you dislike your job but can't afford to leave it? Is money fragmenting your time, your relationships with family and friends? If so, Your Money or Your Life is for you.

From this inspiring book, learn how to

  • get out of debt and develop savings
  • reorder material priorities and live well for less
  • resolve inner conflicts between values and lifestyles
  • convert problems into opportunities to learn new skills
  • attain a wholeness of livelihood and lifestyle
  • save the planet while saving money
  • and much more

Pressestimmen

"In this time of crashing markets, soaring prices, tent cities, and melting ice caps, no book is more useful to readers and to the planet than Your Money or Your Life."
-Mary Pipher, author of The Shelter of Each Other and Seeking Peace

Produktinformation

  • Format: Kindle Edition
  • Dateigröße: 5259 KB
  • Seitenzahl der Print-Ausgabe: 384 Seiten
  • Verlag: Penguin Books; Auflage: Revised (10. Dezember 2008)
  • Verkauf durch: Amazon Media EU S.à r.l.
  • Sprache: Englisch
  • ASIN: B0052MD8VO
  • Text-to-Speech (Vorlesemodus): Aktiviert
  • X-Ray:
  • Word Wise: Aktiviert
  • Verbesserter Schriftsatz: Aktiviert
  • Durchschnittliche Kundenbewertung: 4.7 von 5 Sternen 3 Kundenrezensionen
  • Amazon Bestseller-Rang: #50.394 Bezahlt in Kindle-Shop (Siehe Top 100 Bezahlt in Kindle-Shop)

  •  Ist der Verkauf dieses Produkts für Sie nicht akzeptabel?

Kundenrezensionen

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Top-Kundenrezensionen

Format: Kindle Edition Verifizierter Kauf
Ein sehr sehr gutes Buch über das Thema Umgang mit Geld
kein Buch in dem man Standardempfehlungen bekommt, sondern ein Buch, das anregt selber über das eigene Geld, die eigenen Ausgaben und insgesamt über sein Wertesystem in Bezug auf Geld und Materielles zu überdenken.
Sehr zu empfehlen.
Allerdings unbedingt das Taschenbuch kaufen.
Das Kindle-Buch ist grafisch schlecht umgesetzt. Das Buch beeinhaltet viele wichtige Tabellen/Tests/Übersichten und die sind schlicht nicht zu lesen - können auch nicht vergrößert werden. und bis jetzt war es mir zu blöd mir eine Lupe rauszusuchen.
Das allein würde eine höchstens ein Sternbewertung rechtfertigen. Allerdings der Inhalt des Buches wie gesagt ist lehrreich und auch wenn es nicht brandaktuell ist, gut für sich nutzbar
Kommentar 4 Personen fanden diese Informationen hilfreich. War diese Rezension für Sie hilfreich? Ja Nein Feedback senden...
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Wir konnten Ihre Stimmabgabe leider nicht speichern. Bitte erneut versuchen
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Format: Taschenbuch Verifizierter Kauf
Es gibt Bücher, da wundert man sich, wieso keine deutsche Übersetzung verfügbar ist. Dieses Buch ist ein solches.

Die Autoren stellen ein 9-Punkte-Programm vor, dass zu einer Verbesserung der Sichtweise auf Geld und Umgang mit selbigen führen soll. Dabei arbeiten sie sich von der grundsätzlichen Einstellung gegenüber Geld und Geldverdienen (sehr gut - die Entkopplung von Arbeit und Geld!) über eine praxisgerechte kleine Buchführung für zu Hause (inklusive monatlicher Bewertung) bis hin zu einer Entwicklung von Perspektiven, was wir alles tun können, wenn wir die finanziellen Grundlagen erreicht haben.

Einige weitere interessante Sichtweisen sind das Betrachten des "realen Stundensatzes", um damit alle Nebenkosten und Zeitaufwände einzubeziehen (darunter fallen dann auch Aufwände für Frustgespräche, Pendelzeiten, private/unbezahlte Weiterbildungen etc. pp.).

Ich finde dieses Buch durch und durch lesenswert und kann viele der gegebenen Hinweise in meinem Leben wiederfinden und einiges davon auch umsetzen.
Kommentar 10 Personen fanden diese Informationen hilfreich. War diese Rezension für Sie hilfreich? Ja Nein Feedback senden...
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Format: Taschenbuch Verifizierter Kauf
Jeder der sich ernsthaft mit dem Thema "Financial Independence" beschäftigt, muss dieses Buch lesen! Es liefert einen 9-Punkte-Plan mit dem man zielsicher von einem Status der völligen Ahnungslosigkeit zur finanziellen Unabhängigkeit kommt. Es gibt viele Erfahrungsberichte, die die Theorien veranschaulichen und kaum einen Satz, der in irgendeiner Form nicht relevant wäre. Absolute Empfehlung!
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Die hilfreichsten Kundenrezensionen auf Amazon.com (beta)

Amazon.com: HASH(0x8dca8e34) von 5 Sternen 244 Rezensionen
730 von 754 Kunden fanden die folgende Rezension hilfreich
HASH(0x8dbcb9cc) von 5 Sternen Ok, but not great 27. November 2009
Von Sachmo - Veröffentlicht auf Amazon.com
Format: Taschenbuch
The fundamental premise of this book is pretty good. The idea is as follows: You devote a given amount of time a day into work (say 10 hours). You earn an hourly wage, let's say for argument's sake it is $16 / hour. But there are many hidden costs associated with having a job.

For example, you may spend 30 min. commuting to and from work. After you get back from work, you may spend an additional hour "decompressing" - as in mindlessly watching TV in order to relax. You may also spend maybe another 30 min. or so talking about your work situation to your significant other.

So when you calculate your REAL hourly wages, you have to take all of this extra time into account. After all, you wouldn't be doing all of this stuff if you didn't work at this particular job.

Also, there are monetary costs to working. Such as spending money on nice work clothing. Buying lunch in the afternoon, because it would be too time consuming to prepare lunch every night. If there are things that you might do yourself but don't because of your job (taking care of your lawn, car, house, etc), you have to subtract the monetary costs of outsourcing all of this work.

What the book points out is that your REAL hourly wage is often much less than you think it is. In the example above, $16/hour could easily fall to $10 or $11/ hour.

The book then goes on to argue that when you start looking at stuff to buy - you should think about the cost of a new iPod for example in terms of hours spent working for it, not money. So for example, if you buy a $200 iPod, and you REAL hourly wage is $11/ hour, you've just spent about 18.2 hours of your life working away for that iPod. It really puts things into perspective.

The book does not tell you not to spend, but rather to be conscious of what you are actually spending, which is literally your life energy.

They have a "9 step program" but really it amounts to this:

1) Calculate your REAL net worth. All assets minus all debts. For many people its negative, because they have accumulated so much debt during their lifetime.

2) Become aware of your real hourly wage, and your spending patterns, and you will find that you naturally stop buying frivolous things. They recommend tracking EVERY single cent that you spend on goods. Pretty extreme, but I understand why. People in this program supposedly paid off seemingly large loads of debt in stunningly short time periods.

That's pretty much the gist of the book. The reason why I've given it 3.5 stars is because the manner in which this is all presented is not that great. The writing attempts to make the message seem very profound, when in fact it may not be so deep a truth as all that.

There is also a *LOT* of negative generalization about how everyone lives an over-stressed, under-paid lifestyle and it keeps coming up, over and over again in the book. It's this part that I really don't like. It probably all together takes up maybe 75 pages of the book, and it really only needs to be stated once. I think some brevity could have made this book really amazing, but it is still ok.

Finally, I strongly disagree with the investment chapter at the end of the book, and I think it will lead a lot of people astray. It recommends that you should only invest in long-term US treasury bonds that pay very marginal rates, because they are the only thing 100% guaranteed over time. A slightly "riskier" strategy is to invest in lifecycle funds.

Let me state plainly that to invest in only US treasury bonds would be akin to shooting yourself in the foot. Many things (like your job), are not 100% certain over long periods of time, and by using some common sense and effort you can do MUCH better than treasury bonds by making wise choices with index funds, stocks, bonds, and real estate.

Lifecycle funds are ok, but it is also perfectly ok to invest in stocks if you are willing to invest the time to do a little bit of research. "The Intelligent Investor" is the best book hands down for teaching you about stock selection and bonds, and I'd look there first if you are interested in learning about investing.
185 von 191 Kunden fanden die folgende Rezension hilfreich
HASH(0x8dbcba20) von 5 Sternen Great book, creative & motivating ideas. 23. Januar 2010
Von Trinity the Voracious Reader - Veröffentlicht auf Amazon.com
Format: Taschenbuch
I got this book after reading in several blogs how good this book is. Now I know why. To start with, the nine steps mentioned in this book are:
(1) Making Peace with the Past;
(2) Being in the present - Tracking Your Life Energy;
(3) Where Is It All Going? (The Monthly Tabulation);
(4) Three Questions That Will Transform Your Life;
(5) Making Life Energy Visible;
(6) Valuing Your Life Energy - Minimizing Spending;
(7) Valuing Your Life Energy - Maximixing Income;
(8) Capital and the Crossover Point;
(9) Managing Your Finances.

You really gotta do the steps! Sure the steps take times and discipline to implement, but once I started, I got a lot out of it. Some of the shifts that I experienced:
1. A way of thinking that "money is simply something you trade life energy for".
Because I really want to know how much I trade my life energy for doing my job, I become very discipline in tracking my spending and created many new categories in my Quicken to be able to answer the the 3 Questions in step 4.

2. The attitude of "no shame no blame" when evaluating what one had done with one's finance. The book mentioned many times this mantra that helped whenever I felt bad about my previous decision, I would tell myself "no shame no blame" and no regret (my own addition).

3. The hope of being financial independence. The step of charting and making life energy visible were very helpful. I am looking forward to the time when my monthly investment income crosses over with my monthly spending. The book gave examples of people who successfully crossed over this point which are very motivating. It is also realistic in saying that we may have set back because there is nothing guaranteed with investment, but if we are conditioned to have control over our spending and income, we would be more confident in handling the setback.

This book is not an investment technique book, so if you are looking at a more technical way of managing your finance such as Asset Allocation by Gibson, you will not get it. This is also not like Needleman's book (Money and the Meaning of Life) that is philosophical. This book I would classify it as a hybrid between the psychology of money and the pragmatic ways of managing money so that you can reach financial independence. For me, the shift in thinking that I got from reading this book, made this book very very worth it.
102 von 107 Kunden fanden die folgende Rezension hilfreich
HASH(0x8dbcbe58) von 5 Sternen Your Money or Your Life - One of the best personal finance books I've ever read 7. Februar 2011
Von James Ryan - Veröffentlicht auf Amazon.com
Format: Taschenbuch
Your Money or Your Life is one of the best books I've ever read on personal money management.

In Your Money or Your Life, money is introduced from a refreshingly new perspective. The book argues that you are currently making a "dying", as opposed to making a "living". A 9-step process is introduced to get you back on track toward living a fulfilled life through smart spending and financial independence.

The basic premise of Your Money or Your Life is that life is too valuable to waste away working 40+ hours every week, one week at a time for the rest of your life... Just so you can have enough money to buy all those material possessions to keep up with the Jones's.

The book goes on to make an eye-opening connection between money and your personal life. Basically, you only have so many hours of life - which the book refers to as Life Energy - and the fulfillment we get out of life depends on how we spend those precious few hours. Most people trade a significant amount of their Life Energy in exchange for money to buy things - unimportant, unfulfilling, and at times even wasteful things.

Your Money or Your Life goes through the exercise of having us determine the number of hours each of us has to work in order to make a purchase. The book doesn't suggest budgeting, but instead uses the connection to force us to make conscious decisions about how we spend our money. You're actually encouraged to spend money on the things that are meaningful and fulfilling to you. On the flip side, the book argues that you should reduce your spending as much as possible on the things that are meaningless to you. Any money you save from reducing your meaningless expenses should be invested toward early retirement.

We are caught in a never ending trap... A sort of self-induced slavery. We go to work everyday to "earn" money, which we then trade for the possessions in our lives. Since our materialistic society has us brainwashed into always wanting more, we gladly accept a mediocre existence of wage slavery in exchange. The more money we make, the more we buy - more cars, bigger houses, bigger TVs, more cable channels, etc. And the more we buy, the tighter the chains becomes. It's no wonder that we go through life in a walking daze.

In summary, you trade Life Energy for dollars, which you then use to buy things. If you buy the things that are fulfilling to you, and minimize wasteful spending, your life will almost immediately become more enriched. More fulfilled.

There is much more to this book than I've described, and it's well worth the money. I believe this book is a must read for anybody who is serious about becoming financially independent and living a fulfilled life.

Your Money or Your Life. I chose Life.
-James Ryan, PostponedLife com
33 von 37 Kunden fanden die folgende Rezension hilfreich
HASH(0x8dbd7240) von 5 Sternen Grateful I read this in early 1990's/Changed our lives 28. Dezember 2010
Von MTRachel - Veröffentlicht auf Amazon.com
Format: Taschenbuch Verifizierter Kauf
My husband and I read this book in the early 1990's and took it to heart. Consequently at ages 50 & 52, we have a home that is paid for, I work 16 hours a week, he works 24 hours week, and we have more than enough for anything we want. Of course, we don't want much, realizing the blessings we have in free time to enjoy the gorgeous outdoors in Montana without having to worry about being able to pay our bills. The hardest part was figuring out the medical insurance thing, but even that is addressed for now. So many are suffering from "affluenza" they don't even know why they are unhappy. This book has to potential to change your relationship with money for the best. Read it with an open heart and as more than just another finance book... Take what works for you and leave the rest, but it can make all the difference!
19 von 21 Kunden fanden die folgende Rezension hilfreich
HASH(0x8dbd71ec) von 5 Sternen One Idea, Painfully and Tediously Repeated 11. Mai 2015
Von Bibliophile - Veröffentlicht auf Amazon.com
Format: Kindle Edition Verifizierter Kauf
I have had this book on my reading list for a very long time, and I was really looking forward to it. I was very disappointed.

The one big idea of the book is this: when you earn money through your own labor, you are literally trading your life for money. The classic job is an exchange of some portion of your "life energy" (the authors' term) for financial compensation. Once you realize this, you can: reprioritize your behavior by finding employment that maximizes your return on your time and matches your values; but only things that matter; come up with a sense of purpose; and, ultimately, attain financial independence, being able to support yourself without working for a living.

This one idea plays out in nine steps. The book takes far too long to explain each step, and some of them --- like figuring out your total lifetime earnings to date down to the dollar --- seem utterly pointless to me.

The rest of the book is mostly a lot of filler, and I mean a LOT. There are countless stories from readers, most of which I found uninteresting and uninformative. They are also extremely difficult to skip when reading on a Kindle or Kindle app. There's also a surprisingly huge amount of the authors' opinions on environmental issues, social issues, "socially responsible investing," and the like. These things may have their places, but they just serve to make this book even longer.

In short, this is a book that presents only one idea that is likely to be new to most readers, but it is hundreds of pages long, anyway. I found it extremely tedious and a huge disappointment. Instead of this book, I would recommend Financial Peace Revisited by Dave Ramsey. I wish I could recommend this, but I really can't.
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