The Smart Cookies' Guide to Making More Dough: How Five Young Women Got Smart, Formed a Money Group, and Took Control of Their Finances
The Smart Cookies, Jennifer Barrett
Let The Smart Cookies show you how to eliminate debt, spend smarter, save better, and achieve financial freedom—without sacrificing your social life or your sanity!
They were five dynamic young women: smart, successful—and secretly drowning in debt. Inspired by an episode of The Oprah Winfrey Show on personal finance, Andrea, Angela, Katie, Robyn, and Sandra formed a money club, together developing strategies for turning their finances around. Just one year later they had dramatically improved their financial situations—and had made major developments in their careers, relationships, and life goals to boot. Their proven recipe for success has since been featured on The Oprah Winfrey Show, MSNBC, and in the New York Daily News.
How did they do it? These five women—with varied careers in marketing, public relations, social work, and TV production—joined forces to create a fun, simple, effective strategy for achieving financial success, forming a money club and supporting each other every step of the way. Now, in this extraordinary hands-on guide, the women, who soon dubbed themselves The Smart Cookies, share the secrets of their success.
Weaving anecdotes from their own lives with practical, how-to advice, The Smart Cookies offer strategies that cut across the financial spectrum, whether you’re deeply in debt or just want to manage your money better. Tackling the unique financial challenges facing women today, they offer easy-to-follow advice on everything from creating a spending plan to boosting your income to starting your own money club.
about making a conscious choice about how you want to spend your hard-earned money. No one wants to be the kind of person who adds up the bill at the end of a meal with friends, refusing to split the check since her entrée was $2 less than her friends’. And no one wants to be known as “cheap” or to miss out on invitations to dinner or to vacation with friends who assume you won’t be interested because you’re “on a budget.” The fact is: You can still get vacation rentals with friends or splurge on
dream job, the dream house, an abundance of money and love. It is well within your power to make it happen. We’re going to show you how. Just by picking up this book, you’ve already proved that you’re a Smart Cookie. You’re ready to take control of your finances and transform your life. By the time you finish this book, you will have dramatically changed the way you think about money and you’ll start to see improvements in your bank account and in your life. You’ll know how to pay off your debt
you enough to have the life you want or that doesn’t give you fulfillment. If you weren’t in your current occupation, what would you love to do? What would be your perfect job? Are you on track to get there? Maybe you’ve always harbored a dream of becoming a chef or opening your own bed-and-breakfast. There’s no reason why you can’t start setting the foundation for those plans now by researching how much it would cost to open a bed-and-breakfast, for example, or by taking a cooking class. In
knew how much money I should save to get started and about how much I could expect to make initially. After I got my license, I sought out a mentor and joined a team with some of the best in the business so I could learn from them and gain access to more listings. I might make a little less in commissions, initially, but I know I’ll gain a lot in experience and also get the chance to benefit from their established reputations. How to Make More in a Low-Paying Field (Robyn) Completing a
may want to rotate the location—holding meetings at each member’s home, for example. • Always agree on where the next meeting will be held before you adjourn. WHEN • At your first meeting, decide how often you want to continue to meet as a group. You can meet as frequently as you want, but we recommend meeting at least once a month. We decided to meet weekly. But even meeting every two weeks can give members enough time to prepare for the next meeting but not allow so much time to pass that