What do you think?
Rate this book
Controla tus finanzas en 30 días
¡Un plan simple y práctico para tomar las riendas de sus excedidos hábitos de gastos en solo treinta días! Este libro en formato pequeño es como tener un consejero a su lado para ayudarlo con sus decisiones financieras. Los temas expuestos en este libro son de fácil lectura y le enseñaran como disminuir sus deudas, ahorrar con propósito y a planificar sus gastos. La combinación perfecta de anécdotas y principios bíblicos llenan los capítulos de esperanza e inspiración para convertir en realidad su sueño de un futuro financiero saludable. [A simple, practical plan to rein in unruly spending habits in thirty days! This little book is like having an advisor at your side to help with financial decisions. Easy to follow chapters teach how • Diminish Your Debt • Save Strategically • Spend Smart Personal anecdotes and biblical principles combine to make each chapter full of hope and inspiration so that a healthy financial future will not be a dream but a reality. Available in English from Harvest House Publishers.]
176 pages, Paperback
First published June 1, 2006
26 people are currently reading
118 people want to read
Ratings & Reviews
Friends & Following
Create a free account to discover what your friends think of this book!
Community Reviews
Displaying 1 - 13 of 13 reviews
April 29, 2023
30 Days to Taming Your Finances: What to Do (and Not Do) to Better Manage Your Money by Deborah Smith Pegues
160-page Kindle Ebook
Genre: Christian Nonfiction, Finances
Featuring: Epigraphs, Bible Verses, Short Chapters, Write the Vision, See Where You Stand, Prepare Your Plan, Fund Firstfruits First, Save Strategically, Diminish Your Debt, Ask for What You Want, Investigate Your Insurance, Limit Your Luxuries, Cease Comparing, Clear the Clutter, Maximize Your Minutes, Spend Smart, Do-It-Yourself, Eat Economically, Restructure Your Recreation, Spend in Sync with Your Spouse, Pare Your Presents, Further Your Financial Intelligence, Eliminate Emotional Spending, Ponder Your Purchases, End Your Enabling, Ditch Dishonesty, Watch Wastefulness, Improve Your Image, Put Off Procrastination, Profit from Your Passion, Face the Facts with Faith, Seek Support, Cultivate Contentment, What I Own and What I Owe, What I Make and Where It Goes, Tracking Your Variable Expenditures, Premarital 20/20 Vision Quiz for Financial Compatibility, The Credit Card Trap
Quotes: "While the Scriptures do not prohibit us from incurring debt, in each instance where debt is discussed, there is negativity surrounding it. Because debt limits our freedom to make choices about the rest of our life, it would seem wise to minimize or eliminate it. Our ultimate goal should be to become debt free."
"Why not make a commitment to yourself that you will only buy what you can afford? Studies show that people who live beneath their financial means have longer and more fulfilling lives than those who do not. Sometimes the pressure to maintain a certain image or to live up to other people’s expectations is so great that, if you are not careful, you will allow those expectations to force you to live above your means. To live above your means is to live a lie. A lie is any intent to deceive. Your attempt to deceive others into thinking you can afford things you cannot will keep you in a financial pit."
"In general, leasing a vehicle is usually not a good idea. However, if you are either in dire need of a car and have no money for a significant down payment or you work very close to home and, on average, will drive very few (less than 15,000) miles per year, leasing is an option you may consider. Before you sign on the dotted line, ask the dealer for a sample lease and then let some knowledgeable person explain the terms—especially “guaranteed residual value.” This is the value you are guaranteeing the dealer the car will be worth at the end of the lease term. Because this value is determined primarily by how many miles you have driven, you must understand that you can’t just jump in the car and take a cross-country trip each year without penalty. My husband leased a car once, and we became prisoners to the odometer. “We’ll go in your car!” he always seemed to exclaim. Of course, this caused us to rack up more miles on my vehicle, which we had purchased."
"Emotional spending is first cousin to emotional eating. In both cases, there is a feeling inside that cries out for satisfaction. Spending to pacify an emotion is like getting an anesthetic but never having the required surgery. You get temporary relief, but the problem remains."
"What about you? Let’s see if you fit the profile of an enabler. Do you feel that you have a special relationship with an irresponsible person? Do you try to protect him from the criticism of others? Do you make most of the decisions for this person because you really think that you know what is best and must shield him from negative consequences? Do you perform any tasks for this person that he could learn to do for himself? Do you like feeling needed by this person? Sometimes you can be so fearful of being rejected or alienated that you will enable your boomerang, able-bodied adult child to move back home with absolutely no financial responsibility. If your finances have been affected by your own enabling and you really don’t have the heart to go cold turkey by saying it stops today, then start with a small thing to work your way out of the hole. Assign him a utility bill, then the phone bill, next a small amount for rent, have him buy his own food, or whatever will cause him to take some form of financial responsibility. This is real love. The Scriptures will back you up on this. “Even while we were with you, we gave you this rule: ‘Whoever does not work should not eat’ ” (2 Thessalonians 3:10 NLT). Ask God to give you the strength to say no to all requests from irresponsible people in your life—from family members who always need “a few dollars” to freeloading friends who never have their share of the bill when you eat out. Heed the apostle Paul’s admonition, “Each one should carry his own load” (GALATIANS 6:5)."
"Dishonesty can take several forms, including faking an injury in order to file a lawsuit, lying about your child’s age, or using a wrong home address to get better auto insurance rates, to name a few."
Rating as a movie: PG
My rating: ⭐️⭐️⭐️
My thoughts: 🔖Location 402 of 1710 23% Day 6 Diminish Your Debt - I was expecting this to be fire, so far it's mediocre.
🔖1072 of 1710 63% Day 19 Further Your Financial Intelligence - I think the problem is I disagree with a good 38% of everything she says for each day.
There is some good information in this book but there is some wishy-washy information as well. In my opinion, it's like the author is saying you might do it anyway so I'm just going to share the least troublesome route, while I would just prefer authors that say don't do it. So if you're into fire safety, you may love this book, I'm more of a don't play with fire type of girl. There were also some topics I just didn't agree with.
Recommend to others?: Sure.
160-page Kindle Ebook
Genre: Christian Nonfiction, Finances
Featuring: Epigraphs, Bible Verses, Short Chapters, Write the Vision, See Where You Stand, Prepare Your Plan, Fund Firstfruits First, Save Strategically, Diminish Your Debt, Ask for What You Want, Investigate Your Insurance, Limit Your Luxuries, Cease Comparing, Clear the Clutter, Maximize Your Minutes, Spend Smart, Do-It-Yourself, Eat Economically, Restructure Your Recreation, Spend in Sync with Your Spouse, Pare Your Presents, Further Your Financial Intelligence, Eliminate Emotional Spending, Ponder Your Purchases, End Your Enabling, Ditch Dishonesty, Watch Wastefulness, Improve Your Image, Put Off Procrastination, Profit from Your Passion, Face the Facts with Faith, Seek Support, Cultivate Contentment, What I Own and What I Owe, What I Make and Where It Goes, Tracking Your Variable Expenditures, Premarital 20/20 Vision Quiz for Financial Compatibility, The Credit Card Trap
Quotes: "While the Scriptures do not prohibit us from incurring debt, in each instance where debt is discussed, there is negativity surrounding it. Because debt limits our freedom to make choices about the rest of our life, it would seem wise to minimize or eliminate it. Our ultimate goal should be to become debt free."
"Why not make a commitment to yourself that you will only buy what you can afford? Studies show that people who live beneath their financial means have longer and more fulfilling lives than those who do not. Sometimes the pressure to maintain a certain image or to live up to other people’s expectations is so great that, if you are not careful, you will allow those expectations to force you to live above your means. To live above your means is to live a lie. A lie is any intent to deceive. Your attempt to deceive others into thinking you can afford things you cannot will keep you in a financial pit."
"In general, leasing a vehicle is usually not a good idea. However, if you are either in dire need of a car and have no money for a significant down payment or you work very close to home and, on average, will drive very few (less than 15,000) miles per year, leasing is an option you may consider. Before you sign on the dotted line, ask the dealer for a sample lease and then let some knowledgeable person explain the terms—especially “guaranteed residual value.” This is the value you are guaranteeing the dealer the car will be worth at the end of the lease term. Because this value is determined primarily by how many miles you have driven, you must understand that you can’t just jump in the car and take a cross-country trip each year without penalty. My husband leased a car once, and we became prisoners to the odometer. “We’ll go in your car!” he always seemed to exclaim. Of course, this caused us to rack up more miles on my vehicle, which we had purchased."
"Emotional spending is first cousin to emotional eating. In both cases, there is a feeling inside that cries out for satisfaction. Spending to pacify an emotion is like getting an anesthetic but never having the required surgery. You get temporary relief, but the problem remains."
"What about you? Let’s see if you fit the profile of an enabler. Do you feel that you have a special relationship with an irresponsible person? Do you try to protect him from the criticism of others? Do you make most of the decisions for this person because you really think that you know what is best and must shield him from negative consequences? Do you perform any tasks for this person that he could learn to do for himself? Do you like feeling needed by this person? Sometimes you can be so fearful of being rejected or alienated that you will enable your boomerang, able-bodied adult child to move back home with absolutely no financial responsibility. If your finances have been affected by your own enabling and you really don’t have the heart to go cold turkey by saying it stops today, then start with a small thing to work your way out of the hole. Assign him a utility bill, then the phone bill, next a small amount for rent, have him buy his own food, or whatever will cause him to take some form of financial responsibility. This is real love. The Scriptures will back you up on this. “Even while we were with you, we gave you this rule: ‘Whoever does not work should not eat’ ” (2 Thessalonians 3:10 NLT). Ask God to give you the strength to say no to all requests from irresponsible people in your life—from family members who always need “a few dollars” to freeloading friends who never have their share of the bill when you eat out. Heed the apostle Paul’s admonition, “Each one should carry his own load” (GALATIANS 6:5)."
"Dishonesty can take several forms, including faking an injury in order to file a lawsuit, lying about your child’s age, or using a wrong home address to get better auto insurance rates, to name a few."
Rating as a movie: PG
My rating: ⭐️⭐️⭐️
My thoughts: 🔖Location 402 of 1710 23% Day 6 Diminish Your Debt - I was expecting this to be fire, so far it's mediocre.
🔖1072 of 1710 63% Day 19 Further Your Financial Intelligence - I think the problem is I disagree with a good 38% of everything she says for each day.
There is some good information in this book but there is some wishy-washy information as well. In my opinion, it's like the author is saying you might do it anyway so I'm just going to share the least troublesome route, while I would just prefer authors that say don't do it. So if you're into fire safety, you may love this book, I'm more of a don't play with fire type of girl. There were also some topics I just didn't agree with.
Recommend to others?: Sure.
September 25, 2023
Sound advice that is similar to the Dave Ramsey method, yet it is more directed to women and is very relatable. The author uses lists of scripture as references and does point everything back to God. I really appreciated that as he is our provider. I would recommend this to anyone dealing with money stress. It’s practical and simple steps broken down into 30 days.
July 13, 2023
This book is teaching and re-directing you the proper ways of handling your finances. It simply states that each and everyone of us is so lucky to be given a chance to be stewards of God's wealth. So this book will help each reader to know more about proper handling of finances as well as how to be grateful for the money that one's have.
May 24, 2018
Excellent!
I love all of Deborah's books! So straight forward and addressing many issues we all face. I deeply like her writing style and connection she makes with her reader. Thank you, Deborah!
I love all of Deborah's books! So straight forward and addressing many issues we all face. I deeply like her writing style and connection she makes with her reader. Thank you, Deborah!
May 6, 2025
Sound advice in short snippets. A pleasant read that doesn't dive deep but gives you enough to consider. It does have a spiritual tinge as the author is a Christian. This adds a dimension so often disregarded in finance. I will read it again, and more slowly.
September 30, 2018
Emotional Intelligence is a Vital Behavior
If success in life is what you desire, then you must achieve Emotional Intelligence and Deborah will help you to achieve this.
If success in life is what you desire, then you must achieve Emotional Intelligence and Deborah will help you to achieve this.
October 18, 2023
Great tips to financial freedom and spiritual wisdom that including God to guide us there
April 13, 2024
Interesante,
January 18, 2014
It's possible to teach a workshop from this! I did!
March 22, 2012
excelente buena guía para comenzar a administrarnos no debería faltar a las personas jóvenes que están comenzando no solo su vida de casad@ sino su vida personal de soltero a mi me ayudo muchísimo
August 5, 2015
WORST BOOK EVER!! :(
April 28, 2016
Good stuff, I just knew most of it already that's why it got 4 stars instead of 5. Great reminder though.
January 25, 2023
loved it!!!!
Displaying 1 - 13 of 13 reviews