I asked for this book in January for my birthday (easily pleased) and am sooo glad I did! I have decluttered my finances and understand that I am in total control of the way my money goes out. It's not about being a skin flint or a cheap skate, it's about having the same lifestyle for less, leaving you more money for treats. It's also about being in control. Anyone who doesn't have anything to say about this book doesn't understand it or doesn't want to! It's a brilliant, go anywhere, starting point prior to getting hooked on the web site. Every '30 something' should have one!