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I have always astounded myself by the fact that, despite being an intelligent, well educated, professional person, my favoured approach to personal finance has always been the ostrich method: if I don't bother to work out what I've got, then it somehow doesn't matter and 'things will work out'. And yet inside, I knew that things were not working out, so far from being blase about money, I always had a nagging fear inside. Leave the window envelopes unopened because I won't like what's in them? Yes. Stupid? Yes. Makes matters worse? Certainly. I knew all that, but some psychological block just stopped me letting myself delve into the murky world of spending and - god forbid - saving. But then at the beginning of January I bought this book. Some part of me must have shown an iota of common sense for once, but then, spending money is fun, isn't it? As soon as it arrived, it began to transform my life. Because it isn't just about money-saving tips like some books which, let's face it, we could usually think up for ourselves - it gets right down to the nitty-gritty of why, when we know many things that we should be doing, we still aren't doing them. It really helps to explain why you are how you are with your money. Now, not quite one month later, I know for the first time ever exactly where my money is going, and have all sorts of insights into why I've previously been so reluctant to confront my finances. I know what I can spend each month; I've got a three-year plan that will get me on top of my debt; I will be able to pay off my mortgage early; and no end of other, more creative ideas. I suspect I could have spent a small fortune on psychoanlysis or counselling and not learned a fraction of what this book has taught me. And on top of all that, it's an interesting, enjoyable read - what more could you ask? If you recognise that you're not being as clever with money as you could be, there's every chance that this book will help set you straight. It has me, and I can't thank Alvin Hall enough.
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