For someone who hated opening bank statements, this book was a real eye opener. It covers only the basics of personal finance and is a brilliant starting point for lay people like myself. After reading through it, I am now able to structure my spending and understand the importance of saving/raising extra capital for the future. It has helped me think clearly about my future, financial goals and how to achieve them. It has only recently dawned on me how much unnecessary interest I've been paying credit card companies! Now, I have cleared it all off, but still be able to take advantage of the benefits of having a credit card without paying enormous amounts of interest. It also covers savings and investment products, as well very useful tips on spending wisely - all common sense one might argue, but all too lacking in most people. Highly recommended for people who have no control of their finances, but you'll require a more advance book for complex financial securities.