Start reading How to Manage Your Money When You Don't Have Any on your Kindle in under a minute. Don't have a Kindle? Get your Kindle here or start reading now with a free Kindle Reading App.

Deliver to your Kindle or other device


Try it free

Sample the beginning of this book for free

Deliver to your Kindle or other device

Anybody can read Kindle books—even without a Kindle device—with the FREE Kindle app for smartphones, tablets and computers.
How to Manage Your Money When You Don't Have Any

How to Manage Your Money When You Don't Have Any [Kindle Edition]

Erik Wecks
5.0 out of 5 stars  See all reviews (3 customer reviews)

Print List Price: £6.99
Kindle Price: £1.91 includes VAT* & free wireless delivery via Amazon Whispernet
You Save: £5.08 (73%)
* Unlike print books, digital books are subject to VAT.
Borrow this book for free on a Kindle device with Amazon Prime. Learn more about Kindle Owners' Lending Library.
Join Prime to borrow this book at no cost.
The Kindle Owners' Lending Library gives you access to thousands of books, including New York Times bestsellers, to borrow and read for free.
  • Borrow a book as frequently as once per month
  • No due dates — keep books as long as you like and return them when it's time for something new
  • Read on any Amazon Kindle device

Amazon Prime members also enjoy:
  • Unlimited streaming of thousands of popular movies and TV shows with Prime Instant Video
  • FREE Two-Day Shipping on millions of items, with no minimum order size

For more information about the Kindle Owners' Lending Library visit our help page.


Amazon Price New from Used from
Kindle Edition £1.91  
Paperback £6.99  
Kindle Summer Sale: Over 500 Books from £0.99
Have you seen the Kindle Summer Sale yet? Browse selected books from popular authors and debut novelists, including new releases and bestsellers. Learn more

Product Description

Product Description

Unlike many personal finance books, How to Manage Your Money When You Don't Have Any was specifically written for Americans who struggle to make it on a monthly basis. It provides both a respectful, no-nonsense look at the difficult realities of life after the Great Recession and a hope-filled, easy to follow path toward better financial stability for even the most financially strapped households. Created by a financial expert who hasn't struck it rich, How to Manage Your Money When You Don't Have Any offers a first hand story of financial survival in the face of rough times. Rather than emphasizing wealth creation, How to Manage Your Money When You Don't Have Any teaches readers to do the best they can with their income no matter its size. Content rich, personal, and jargon free, the book is opinionated and at times humorous. Full of current everyday references, it is meant to be a quick read which will appeal to the average reader just struggling to make ends meet.

About the Author

Erik Wecks is an author and blogger living in Vancouver, Washington, where he is raising his three children with his wife Jaylene. Besides writing on Personal Finance, he is also a contributor to the GeekDad blog on and has recently published his first science fiction short story. When not busy writing, he loves to play board games and is currently working on prototypes for a game inspired by Watership Down by Richard Adams.

Product details

  • Format: Kindle Edition
  • File Size: 426 KB
  • Print Length: 175 pages
  • Page Numbers Source ISBN: 1475044038
  • Simultaneous Device Usage: Unlimited
  • Publisher: Erik Wecks; 2 edition (8 Mar 2012)
  • Sold by: Amazon Media EU S.à r.l.
  • Language: English
  • Text-to-Speech: Enabled
  • X-Ray:
  • Average Customer Review: 5.0 out of 5 stars  See all reviews (3 customer reviews)
  • Amazon Bestsellers Rank: #121,139 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
  •  Would you like to give feedback on images?

More About the Author

Erik Wecks is a full time writer and blogger living in Vancouver, Washington. I write both non-fiction and fiction, as well as a contribute to the, and my own blog at I enjoy writing on a wide range of topics. When not waxing poetic on various aspects of fiscal responsibility, I tend toward the geeky.

In the moments I am not poised over the keyboard, I love to spend time with my family. I am married to an angel, Jaylene, who has taught me more than anyone else about true mercy and compassion. We are the parents of three wonderful girls. As a group we like swimming at the local pool, gardening, reading aloud, playing piano, and beating each other soundly at whatever table top game is handy.

What Other Items Do Customers Buy After Viewing This Item?

Customer Reviews

4 star
3 star
2 star
1 star
5.0 out of 5 stars
5.0 out of 5 stars
Most Helpful Customer Reviews
5.0 out of 5 stars great! 16 May 2013
Format:Paperback|Verified Purchase
Purchased a number of books to help me with a project and this was the one I kept. Fantastic book that really hits the spot and helps facilitate the change of behaviours not just the practical of filling out budget forms.
Comment | 
Was this review helpful to you?
5.0 out of 5 stars At last -a really helpful finance book 3 Feb 2013
By Jill
Format:Paperback|Verified Purchase
This book is aimed at ordinary people struggling to make ends meet on a daily basis. No silly investment advice ! The author knows how it feels and simply shows how best to prioritise your spending, and get the most financial security possible in your circumstances. Really useful.
Comment | 
Was this review helpful to you?
5.0 out of 5 stars Totally awesome! 28 Jan 2013
Format:Kindle Edition|Verified Purchase
I've been living the advice here for years (mostly), and it's pretty good to have vindication. I'm not old fashioned for mistrusting debit and credit cards and paying cash; I'm being sensible, living below my means and limiting my cash expenditure.
Now all I need to do is buy a house so I can stop renting. That's under long term goals.
Comment | 
Was this review helpful to you?
Most Helpful Customer Reviews on (beta) 4.3 out of 5 stars  191 reviews
64 of 66 people found the following review helpful
5.0 out of 5 stars A must read for anyone living paycheck to paycheck 18 Mar 2012
By SDM - Published on
Format:Kindle Edition|Verified Purchase
I have been reading this book over the past week, and it has really helped me to begin thinking differently about my approach to budgeting. I have kept a detailed budget for years, all color-coded and balanced to the penny. What really changed throughout my reading of this book was my awareness that my spending is a reflection of my values. Ouch. That was hard to take in, especially when I reviewed my budget for the past few months. Much of my spending is on debt payments, and I've really felt okay, as long as I could make all of my payments. If I truly value stability for my family, I need to think differently and set new priorities. This book provided practical and simple steps to get me started. I feel empowered and encouraged that I can begin to pay off the debt and become more purposeful in my saving and spending.

Anyone living paycheck to paycheck or spending much of their income on payments needs to read this book!
31 of 32 people found the following review helpful
4.0 out of 5 stars A Finance Book For The Rest Of Us 23 Sep 2012
By T. Weber - Published on
Format:Paperback|Verified Purchase
I've watched pledge-drive specials on PBS, where financial gurus offer "sure-fire" steps promising to take me from the depths of debt to the lap of luxury, but never could connect with the message. I'm not looking for investment advice, and I don't want five vacation homes to retire in. I just want some help keeping my head above water. Wecks offers more practical advice than those specials, with a more plausible goal: avoiding the traps laid by a system and culture that seems to accept debt as a simple part of everyday existence. This is a nice, simple plan that anyone, at any income level, can both comprehend and follow.
20 of 20 people found the following review helpful
5.0 out of 5 stars No nonsense guide to finance. 14 Sep 2012
By Keith Yong - Published on
Format:Kindle Edition|Verified Purchase
This guide gets to the point. It's certainly not the most glamorous get rich quick or the get out of debt quick book. This book is realistic, and lists the precautions/actions you can take to avoid and get out of financial disasters.

One of the major points in this book is avoiding expenses, even if you have a high income. The dentist vs. the dentist's clerk story really nailed the point down. If you want to find out why a dentist making six figure salary can be poorer than the dentist's clerk making meager salary, read this book.

This book talks about debts and emergency funds a lot. It really nails down the importance of being debt free, and establishing an emergency fund.

This book will also stress the importance of needs such as food, shelter, clothing, and family.

As an 18 year old who used to spend all my income on CD's and iPods, this book really enlightened me. I'm now saving up for the future, and have 550$ in my emergency fund. I'm also managing my expenses vs income, and working a lot harder than usual. This book was a real eye-opener for someone who's lived 18 years of his life without having to make any financial decisions.
33 of 38 people found the following review helpful
5.0 out of 5 stars Taking finances down to earth 20 April 2012
By Tessa - Published on
Format:Kindle Edition|Verified Purchase
This book doesn't beat around the bush and it is a quick read. The author doesn't hesitate in sharing his story and being honest about his mistakes and what he values, which is refreshing and makes the book entertaining.

I enjoyed the practical examples and metaphors that show just how much debt can eat away at the things we care about. The book shows how you can prioritize your money so that you can have financial stability even in the rough times.

I find the author's critique of Dave Ramsey a little strong, but I understand that it can be disheartening to hear about "wealth building" and investing when it is hard to even make the bills. That is exactly what this book is for. With this book and a willingness to change, you can turn $3, some time and a spreadsheet program (or pen and paper) into a world of a difference for your finances.
12 of 12 people found the following review helpful
4.0 out of 5 stars Finally a book for us everyday folks. 9 Dec 2012
By Cat - Published on
Format:Kindle Edition|Verified Purchase
I have read a lot of books about how to handle your money, but they all seemed to be aimed at people that already had or were making a lot, telling them how to invest & retire wealthy. This book is for those of us that don't make a lot or have found ourselves in a mess. I especially like how he talks about people trying to maintain their high end style of living when their income has become low end, I know a few folks like that and can just see the hole they are digging getting deeper. I also like that he tells it like it is and uses his own mistakes as examples. I like his honesty, he doesn't sugar coat anything, it is just a really good book for getting your financial life back on track, written in a way that anyone can understand.
Were these reviews helpful?   Let us know
Search Customer Reviews
Only search this product's reviews

Popular Highlights

 (What's this?)
If the goods and services you purchase with your money are a true reflection of your values, &quote;
Highlighted by 3 Kindle users

Customer Discussions

This product's forum
Discussion Replies Latest Post
No discussions yet

Ask questions, Share opinions, Gain insight
Start a new discussion
First post:
Prompts for sign-in

Search Customer Discussions
Search all Amazon discussions

Look for similar items by category