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The School of Life

Como Deixar de se Preocupar com o Dinheiro

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Estamos sempre a falar de dinheiro. E o que nos atormenta é sempre o a crise, as contas para pagar, o saldo bancário a encolher. E no entanto, argumenta o filósofo John Armstrong, nunca pensamos no que realmente porque é que qualquer decis

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First published January 1, 2012

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About the author

John Armstrong

557 books85 followers
John Armstrong is a British philosopher living in Melbourne, Australia. He was born 1966 in Glasgow and worked as a research fellow at the University of London. Armstrong works currently as the Philosopher-in-Residence at the Melbourne Business School at the Melbourne University. He is author of several books on philosophical themes.

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5 stars
191 (16%)
4 stars
366 (32%)
3 stars
406 (35%)
2 stars
134 (11%)
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36 (3%)
Displaying 1 - 30 of 110 reviews
Profile Image for Latasha.
731 reviews
September 6, 2017
I have never read the School of Life series, and I don't think I will.

I was expecting more of a self help book but instead read a philosophical review of the merits and downsides of money. The perils of being rich and the virtues of being poor.

I really just wanted some tools to help me stop worrying about money on a daily basis. Gotta go somewhere else unless you are SEVERELY jealous of other people's income. Then this book might help.
Profile Image for Kimberly.
134 reviews58 followers
March 5, 2015
Quite good, in a much different way than other books about money or finances. This one discusses the philosophical issues with money, why we want money. He does make the important distinction between money troubles and money worries, and this book is about the latter issue. Not a how-to, but perhaps more a how-to-perceive money. Does it really work to think of poverty or ascetism as more pure than wealth? He also posits that envy isn't necessarily bad, envy can be channelled towards good ends. I appreciated the distinction that he makes behind how we think of money as a child and how, in reality, it can be so different - and how money troubles come from trying to solve multiple problems at once. He provides a different example of capitalism and challenges the cynicism about capitalism, showing how a slightly different perspective can use it to bring more good into the world.

Ultimately, "making money is only the first step." It's really about having a balanced approach between "caring about making money and focusing on the other things" that are really important. What's important is inner security and being devoted to something other than money. "Desire aims at pleasure. Whereas the achievement of a good life depends on the good we create."

I'm continually impressed with books from The School of Life - they're thought provoking and they help me see things in a new light and from a real and human perspective.
Profile Image for Jenn Stark.
237 reviews20 followers
February 28, 2013
Started out strong, worth the read for the first 80 pages alone... wah wah middle and fizzled out by the end for me, sadly. LOVED the insight that we are relational beings, and we create relationships with not just people, but all things, including money...
Profile Image for Kerry.
15 reviews1 follower
August 21, 2012
There is some real food for thought here, and I was amazed to find some of my main issues met head on. And I’d never have thought that one can approach the tedious but task of financial record-keeping from angles of poetry and philosophy. An essential read for anyone who feels gloomily that they’ll never have enough.

I also like that author is not shy about bringing up his own vulnerabilities. It puts him on the same footing as us, rather than talking down to us. I found myself wondering what Helen (his wife) thinks of his confessions about aspects of their marriage.
Profile Image for samunwise.
140 reviews8 followers
December 21, 2016
Some good insights about our relationship with money, but overall a self-indulgent treatise. Read if you're trying to justify why you should buy yet another 18th century side desk or sailing lessons or if you feel guilty about having inherited a large sum of money from mom and dad.
Profile Image for Mark McKenny.
404 reviews2 followers
February 22, 2014
Not as good. Didn't teach the poor, only the rich/average. Treated the poor as if 'why would they even be reading?'
Profile Image for Chaitanya Sethi.
424 reviews81 followers
September 15, 2020
3.5 stars

I found this book on the Youtuber Damon Dominique's channel. It's one that deals with our relationship with money and goes beyond the traditional approaches of self-help books that teach you either to make more money or to manage with less. This one is more of a philosophical take on how we relate to money at a personal, emotional, and social level, and how we can tune our understanding of it in a better way. At 140 pages, it's a short read that is structured across 7 sections.

Some of the ideas are interesting. Mr. Armstrong uses his life and that of his friends as case studies to provide examples for what he's saying. He also quotes thinkers and writers across centuries to further his point. The first half of the book covering 4 sections is really good. I found many parts that I agreed with and learnt from. Things like the framework for calculating one's yearly financial needs, categorizing our requirements, making a distinction between needs and wants not based on Maslow's hierarchy, word maps for figuring out your association with money etc. were all helpful and things to be tried personally.

The second half was a bit of a drag where he started putting his own philosophy along with ideas that I found confusing and open-ended. There's a section on commercialization and profit making and how you can reconcile them without compromising on the value of what you do, I found that unconvincing. Another section on mixing the mundane with the holy, like Virgil did by writing poems as instructions to farmers to do boring tasks to protect their harvest, Mr. Armstrong suggests can be used to convince yourself to do dull paperwork, which, sure I see the idea but it's not very motivating. What about those who don't believe in the holy?

On the whole, there is more that I liked. I didn't find it as revolutionary as I hoped to but it did have enough good points that I can suggest it ahead.
Profile Image for Mariana.
707 reviews29 followers
February 18, 2025
3.5 Estrelas.
Esta leitura deixa-me dividida quanto à classificação a dar-lhe. Se por um lado gostei da forma direta e sem papas na língua com que o autor fala deste tema, por outro lado não gostei particularmente do tipo de escrita.
Contudo, não posso deixar de aplaudir o autor por colocar o dedo na ferida de nós, leitores, acerca de um tema incontornável na vida de qualquer pessoa: o dinheiro. É interessante como o autor apresenta alguns pontos de vista que, à partida, parecem algo rebuscados e sem sentido, mas que se os analisarmos com atenção e meditarmos neles acabamos por perceber que provavelmente são verdade. Quanto muito, esta obra fez-me pensar em questões acerca das quais nunca tinha ponderado e acabei por descobrir algumas coisas sobre mim.

Li este livro para continuar a reforçar a minha literacia financeira, um objetivo a que me propus nos últimos anos. Contudo, este encaixa-se mais na categoria de desenvolvimento pessoal do que na de literacia financeira, algo que só descobri durante a sua leitura.
Profile Image for Nea Britto.
193 reviews36 followers
September 4, 2021
3.5* This was quite an insightful read about money as a construct.

Note that this is not at all a practical advice book. It is a philosophical view of money, but I really liked that aspect of it. I loved how the author differentiated between money troubles and money worries. ‘Troubles’ are real things that we need to take care of but ‘worries’ have everything to do with the mind and imagination. We’re all guilty of making up the worst possible scenarios that we think will happen in the future (but which never do).

He also talks about how money isn’t really a thing and we need to look at why we actually need money. And basically just not being so afraid of not having money, and how liberating it can be.
Profile Image for Jakub Ferencik.
Author 3 books81 followers
July 28, 2018
I had high hopes for this book by the Oxford-educated philosopher, former philosopher in residence at the Melbourne Business School and current professor of philosophy at the University of Tasmania.

The reason that this book did not connect with me, I believe, is that it was way too theoretical. No doubt due to the philosophical background of the writer.

I expected practical numbers, reference to the increase in standards of living, the rise of literacy around the globe (as high as 95%), etc. There are many reasons to be positive - none of which are how we define 'money,' as Armstrong believes.

Personally, I find many better reasons to worry less about money almost none of which are found in this book. If you are interested in an answer to that question, I recommend Peter Singer's, "The Most Good You Can Do" or Steven Pinker's "Enlightenment Now".
Profile Image for Masood.
157 reviews9 followers
August 28, 2018
انتظاراتم رو برآورده نکرد، کمی تکراری بود و حرف جدید خیلی نداشت. ضمن این که نمی گفت وقتی ارزش پول به یک سوم میرسه چطور نگران نباشی و به شصت پاتم نباشه. یا نمیگه وقتی قیمت کارخونه ای پراید 22 میلیونه ولی قیمت بازار 40 میلیونه چطور بیخیال باشیم.

ولی چند سوال در کتاب مطرح میشود که به نظرم همه باید جواب بدهند و تکلیف خودشان را مشخص می کنند و بدانند چه می خواهند چقدر می خواهند و به چه قیمتی ؟

جالب بود برای اثبات حرفهاش از نمودار استفاده می کرد (به نظر نویسنده حس می کرده با استفاده از نمودار می تونه جنبه علمی تری به کتابش بده). ولی نمودار ها هیچ مرجعی نداشت فقط یه نمودار خیلی لخت بود. خنده دار بود.

این نکته رو هم اضافه کنم که این کتاب واقعا از جنس کتاب های خودیاری نیست که با چند نکته مشکل رو حل کنه. اصلا دنبال راهکار دادن نیست. چند پرسش مطرح می کنه و یک سری پاسخ های تحلیلی فلسفی.
که البته من انتظار داشتم چند تا راهکار صریح بده.
Profile Image for Mikael Cohen.
42 reviews2 followers
March 17, 2019
Quite interesting book about an idea of Money and how people think and behave around it
38 reviews
May 9, 2017
Dinheiro é apenas um mecanismo de troca, n é nada por si só. Ele é meio e n fim.
A tarefa da vida é transformar esforços e atividades q valham a pena em posses e experiência verdadeiras.
Dinheiro compra os símbolos da felicidade mas não as causas da felicidade
A renda ideal é aquela q satisfaz nossas reais necessidades
Profile Image for Neda.
91 reviews16 followers
June 11, 2018
در ایجاد کردن سوال و به چالش کشیدن من، برای اینکه یکبار با این سوال مواجه بشم که رویکرد من نسبت به پول چیه،و فکر کردن به این مسئله ی مهم،
قابل توجه بود. هرچند میتوانست بسیار قویتر نگارش بشه.


البته آنقدر با فاصله تمامش کردم که نظر دقیقی نمیتونم درباره اش بدم
Profile Image for Sina Shahbaba.
106 reviews9 followers
July 29, 2018
باید در لیست کتاب‌های "باید بخوانید" قرار گیرد، آن هم در حال و اوضاع این روزها. بعضی جاها تلاش می‌کند ذهن مغشوش خواننده را آرام کند، بعضی جاها تلاش می‌کند تا طرز نگرش را گردگیری کند و در جاهایی راهکار ارائه می‌دهد.
Profile Image for Sergio Diaz.
7 reviews
March 10, 2019
Money means happiness?

There is a bunch of book talking how to be rich, but in this book you will find what happen when you get it, and the problems related to get money, and how change the reactions with your friends and family.
257 reviews
May 14, 2024
Some interesting points and ideas but it essentially boils down to money can't buy happiness, but it definitely helps. It did make me think about my relationship with money and wealth but maybe replace some of the many Austen references with more practical info.
Profile Image for Noor Abu Hassan.
169 reviews17 followers
September 25, 2021
New way of approaching money, your relationship with money which is determined by what is stored in your mind about money, guide it all. Very interesting.
Profile Image for Ana-Maria.
126 reviews1 follower
January 1, 2022
I was juggling between a three star and four star review. It brings to the table good points. The overall approach just was not my cup of tea. Phrases got me lost and had to reread sentences. Not that fluid written perhaps for my appreciation. Still I stand for some good points made through the book.
Profile Image for Sean Goh.
1,522 reviews89 followers
August 20, 2017
I once heard that the point of philosophy was to ask the important questions in our lives. Discomfort is one signpost of such importance, and money is definitely a topic which provokes much discomfort. Examine your long-held beliefs about money, and you may not like what you find, but you'll be better for it.

___
Money worries are distinct from money troubles. Troubles are immediate, urgent, like the credit card bill that is due tomorrow.
In contrast, worries often say more about the worrier than the world. They are about what is going on in your head, not your bank account.
They stem from a set of underlying questions. Questions about our own values, mode of living and way of life. They are about psychology as much as economics, the soul as much as the bank balance.
And self-examination is key to uncovering their roots, even if they seem vague at first.

Worry is a name for mental effort. Ideally one wants to worry more insightfully and purposefully.
The aim of adult life, one might say, is to worry well.

Economics makes itself a science by excising the personal, but it thereby misses what we most need to understand: the secret history of our individual relationships to money.

Too often we use our own lives as the models for those of others. Listening means discovering what is actually going on for another person.

Ultimately the task in life is to translate efforts and activities that are inherently worthwhile into possessions and experiences that are themselves of lasting and true value. That is the ideal money cycle.

A good life is still a life. It must involve its full share of suffering, loneliness, disappointment, and coming to terms with one's own mortality and the deaths of those one loves. To live a life that is good as a life involves all this.

The crucial step in the economic lives of individuals and societies is the ability to cross from the pursuit of middle-order goods (status markers) to higher-order goods. Sometimes we need to lesson our attachments to the middle needs like status and glamour in order to concentrate on higher things. This doesn't take more money; it takes more independence of mind.
Higher needs are often met in indirect ways. What we really need is time, mental space, understanding, a level of engagement with the minds and lives of others.

If we envy positive qualities in others, and therefore seek to acquire them ourselves, then envy is plying a productive role in life. But if we confer status on the basis of what kind of car an individual has, then status does not align with merit.

The mark of a good and helpful culture - it helps us enjoy what it is important and good for us to do.

The virtues of asceticism (freedom from obsession, finer perception, independence) depend not on the condition of being poor. Rather, they depend upon a voluntary condition: a willingness to not have the things that most people do want. They come from not being afraid of a lack of money. They depend, positively, on inner security.
Profile Image for Frankminor.
2 reviews1 follower
September 21, 2014
Every time I turned to a new page I had a new realization. It made me stuck in this new dimensions of wisdom that led me to new spiritual thinking of life that's correlates to money.
Humans are running after their happiness all the time. But we are taught from media,schools,society etc that money equates happiness. Yes money can give you happiness, securities and so on but it also comes with many other factors that could be negative side of a healthy life.
People rarely sat down and taught: Why do they want money? How will they achieve their goals? Is the path to their goal a positive path? How much is enough? How to overcome depression from failure to achieve their goals? The questions really goes on to the point that it comes back to the very basic question. Why do I really need to worry about money in the first place?

John Armstrong started the book with very basic information that I already have knowledge of. Then he gave us a couple of example from his own life situations and his friends. So that we can see the bigger picture. It was really easy to understand. Simple. But yet many had fails to attempt. This had bought me to a realization that simplicity is harder than chasing something you actually don't really need.
I didn't finished the book. I didn't read the last two chapters. I felt like I had already overgrown the lesson by John Armstrong. There is really not much more I could learn from him. I felt like I have defeated him. It was one of the very unique spiritual movement I have ever felt. But I will definitely read this book again.

PS. After reading this. I feel like I need to know more about gratification specially delayed gratifications.
Profile Image for Annemieke Windt.
357 reviews8 followers
February 19, 2014
For me, this month the focus is on the way I handle money, which, if I am honest could be better. It has something to do with delaying gratification. So this was also the month when I would finally read John Armstrong's How to Worry Less about Money, again a book in the School of Life Series.
Again the book touches on a number of issues such as the perceived lack of money we feel when we compare out situation with more fortunate people. It's not really an How to book in many ways, Armstrong uses his personal background as a illustration of how his wishes in life clash with his financial situation. Maybe that's where he really hit the mark for me. We worry about money when our dreams and wishes exceed our income. We either try to earn more money (and usually have less time to enjoy it) or we try to fulfill our dreams in different ways, even on a shoestring.

How to Worry Less about Money is not a budgetting book, but it can help you look at the ways you perceive money. And as the other three books I've read published by the School of Life, it's easy to read and informative.
Profile Image for Leo Africanus.
190 reviews31 followers
December 20, 2014
An absorbing treatise on dealing not with money troubles (eg debt) but money worries. The latter are the symptoms of our complex relationships with money that are often inculcated from early childhood.

According to the author, fundamentally "money, stripped back, is just a means of exchange. In other words money is an instrument...ultimately the task in life is to translate efforts and activities that are inherently worthwhile into possessions and experiences that are themselves of lasting and true value. That is the ideal money cycle. Our relationship with money becomes unhealthy when we remove it from this cycle. That happens when we stop seeing money as potential possessions and experiences – but rather see possessions and experiences as potential money."

This book won't deliver you out of debt or morph you into a millionaire but it will shift your perceptions of money, its value and its role in the "good life".
Profile Image for Abolfazl Fattahi.
61 reviews15 followers
October 9, 2017
به نظرم این کتاب خیلی بهتر از کتاب «درس های نیچه برای زندگی» بود ولی در کل به نظرم خوندن مجموعه کتاب هایی که نشر هنوز با عنوان مدرسه زندگی چاپ می کنه نسبت به زمانی که از آدم می گیره شاید مفید نباشه، نوع نگاه نویسنده به پول برام جالب بود، ما واقعا چقدر به پول نیاز داریم؟ آیا پول باعث خوشبختی ما میشه! راستش برای من طرح چنین سوالاتی خیلی جالب بود، چون از نظر من درسته که پول باعث خوشبختی شاید نشه ولی می تونه نداشتنش باعث بدبختی بشه، حالا چطوری میشه بین این دو تا رابطه ی درستی تعریف کرد که در این چند روزه دنیا خوشبخت باشیم و خوشحال خودش جای بحث های فلسفی زیادی داره ولی برای من جالب بود چون برای پول تا حالا کار نکردم، نمی دونم الان باید پیشنهاد بدم بقیه بخونند یا نه، راستش اگر کتاب خوب دیگه ای نداشتید برای خوندن، بد نیست بخونید.

Profile Image for Ciana.
4 reviews1 follower
August 15, 2020
loved the discussion of Virgil dignifying monotonous tasks. also the whole section on the relationship between money and flourishing. "Flourishing captures what we actually aspire to: the best use of our capacities and abilities; involvement in things we take to be worthwhile; the formation and expression of one's best self". I could have done with less information about the author's personal life, though he was brave to share. this is candid philosophy. the first School of Life book I've read.
2 reviews1 follower
April 11, 2014
This book articulates thoughts and ideas around money in a lucid and systematic way. Vague feelings that I had about money and my relationship with it were crystalised to firm concepts thanks to the ideas in this book. My only area of skepticism are in the portions of the book that discuss whether money is inherently good or evil. I feel that the author could have followed each idea to its logical conclusion rather than taking the easy way out and saying: money is itself neither good nor evil.
Profile Image for aslı.
214 reviews26 followers
July 20, 2017
Kitap size para ile ilgili sorunlarınızı nasıl aşarsınız yada var olan borçlarınızı nasıl kapatırsınız gibi konularda yardımcı olmuyor. Yazar bu kitapta adından da anlaşılabileceği gibi para konusunda neden endişeli olduğunuzu içinize dönerek, ona verdiğiniz anlamı bulmaya çalışmanızı sağlayarak ortaya çıkarmanıza yardımcı olmaya çalışıyor. Yazarın edebi eseler ile kurduğu bağlantıyı çok beğendim ancak özellikle Jane Austen kitapları ile ilgili spoilerlar var, haberiniz olsun :)
Profile Image for Sarbook.
329 reviews39 followers
February 25, 2018
http://sarbook.com/product/354566
جان آرمسترانگ در کتاب «چگونه کمتر نگران پول باشیم»، از دیدگاه دیگری به پول و نقش آن در زندگی فرد می‌پردازد. وي با تکیه بر برخی از این مکتب ‌ها و ایدئولوژی‌ ها، با نگاه متفاوتی که در این کتاب نسبت به پول اتخاذ کرده است، ما را بر آن می‌دارد که احساس و دیدگاه خود را به پول از نو تعریف کنیم. این طرز تفکر می‌تواند ما را قادر سازد که دریابیم در حقیقت چه چیزی در زندگی برای ما از اهمیت و ارزش برخودار است.
Profile Image for Kathleen.
687 reviews89 followers
November 27, 2018
Het fijne aan dit boek is dat het een thema zoals geld heel filosofisch benadert. Het stelt niet de vraag "hoe kan ik meer verdienen?", maar de vraag "hoe kan ik floreren met het geld dat ik heb?", wat een compleet andere insteek is dan het gemiddelde boek rond geld en financiën. En dat maakt het net zo interessant. Of je er minder door gaat piekeren, dat laat ik even in het midden, maar je gaat er geld en hoe je omgaat met geld wél anders door bekijken.
Profile Image for Doug Newdick.
390 reviews7 followers
July 20, 2013
Another book in the school of life series, this gives great advice about how to think about money, yourself, and your relationship to money in a way that should result in you worrying less about them. I particularly liked the practical advice about understanding yourself, and your needs and your reactions to money. As the cover says, cheaper and cooler than therapy.
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