•  Book Reviews

"I purchased the One Paycheck at a Time book a year ago, and I've been using the program ever since. I'm happy to tell you that there has definitely been an improvement in my cash flow. I've had some major changes in my life, recently, which have included being on temporary disability for 6 weeks. My finances have been hit as a result of this, but no where near as hard as they would have been if I had not been on this system. I didn't have to cut down and make deals with any of my creditors for making lower payments either."

-- Theresa, California [1 year on the program, March 2005]

First-Hand Results from a Program User
"I ordered the One Paycheck at a Time eBook last year and my husband and I have had great success with the program. When I heard about the eTools program, I thought it would help us to track our financial progress even more since we both are very visual-oriented people. Etools is a great enhancement to what we learned in your book. "

-- Shannon, Louisiana [1 year on the program, July 2005]

"I have to say the best $9.95 I have ever spent in my life is on an ebook called "One Paycheck at a Time." It has completely turned everything I thought about money on it's ear....and I've been following some (not all) of the principles in it since September. My stress level regarding finances is non existant now. Although I have read many other books, none have broken down the process into such manageable pieces for me. "

-- missymom2 [September 2005]

"I wanted to take a moment and thank you for taking the time to write this book. I have been trying to set up a budget for me and my husband and nothing worked for me. After the first chapter (paycheck 1) I am in the process of lowering interest rates and seeing things on a weekly basis not a monthly basis which makes a huge difference. My goal is to be in a home in 2 years and with your book I know we can get there."

-- Jennifer Faith, Technical Support Engineer, Buffalo, NY

"This book makes CENTS! With easy-to-follow steps and a format clear enough for a self-described Money Idiot (me) to understand, Griffiths has written a real life saver. My husband (the saver in our family) gives One Paycheck at a Time two giant thumbs up!"

-- Sarah Smiley, www.sarahsmiley.com

"When I received an e-copy of One Paycheck at a Time from Kimberly Griffiths, I was skeptical. I’ve read many personal finance books and have frequently been disappointed by either the content or the feel of reading an electronic book. Viewed with Adobe Acrobat Reader, One Paycheck at a Time is not the easiest ebook to read on your computer. However, if you are serious about improving your finances and getting out of debt, there is enough content to keep you reading as One Paycheck at a Time is a long read – over 200 pages. This can make it difficult to focus on the actual content, of which there is an enormous, almost overwhelming quantity of information, resources, facts, and examples from the author’s life.

Kimberly Griffiths has experienced enough financial difficulty experience for two life times and has attempted to provide a light to lead others through the darkness of financial nightmares to the light on the other side. Each of the 24 chapters in One Paycheck at a Time consists of inspiration, encouragement, resources, and a pay period exercise. You, as the reader, are encouraged to read one chapter each time you receive a paycheck. This is a really good idea, as it prevents you from becoming overwhelmed by the sheer size of the book. If you do read the entire book in a couple of sittings, when you go to apply it to your life you can start with Chapter #16: Food, if that is an area you want to get a grip on right away. The principles in this book are easy enough in concept, utilizing a system of 4 envelopes and your own goals.

As you walk through the system, you are shown how and encouraged to break down your goals into manageable steps from yearly to monthly to weekly to daily. Just about every aspect of daily life in these United States is covered: from Gift Giving (#5) and Housing (#7), to Wardrobe (#15) and Gratefulness (#22). Many of the millions of people in financial difficulty today are not giving their money management enough attention. As Kimberly Griffith points out in the beginning, you would be an expert in your personal finances if you spent as much time on your money management as the average American watches television. So, I suggest that you all get busy and order One Paycheck at a Time to see for yourself how you can change your life and finances."

-- Roger Sorenson, www.brighterfutures.com

"I applaud the author for the practical organization of this book -- building on the idea that you can get out of debt paycheck by paycheck. That's not only a smart way to organize the book, but it's a smart way to appeal to a reader who (like many people facing debt) might be easily overwhlmed by how-to books on this subject."

-- Writer's Digest

"Kimberly Griffiths has hit the nail on the head. With down to earth easy to follow suggestions One Paycheck at a Time can help anyone get in better fiscal health. Every paycheck builds on the next to help you build solid financial habits. This book is not only for those who are in debt but for anyone who wants to practice time tested financial principles."

-- John Clark, www.lifetosuccess.com

"I read the book and I loved it! I am very impressed with some of your simple yet useful tips on spending less money. Money saved is worth twice as much as money earned. I think this book should be taught in high schools because finances are one of the most crucial aspects of our lives. It gives a structured plan of attack to follow. Buying this book is simply "money in the bank" It will save you thousands and thousands of dollars if only a few ideas are implemented. People who read and follow the exercises will lose the financial handcuffs much faster than those who don't."

-- A Mortgage Broker, Ken Norkus