Top 20 Best Personal Budget Books Everyone Should Read

Creating an effective budget is one of the most crucial, yet challenging steps to pay off debts and becoming financially free. This section includes books that can help you maximize the potential of your income, so you can live a joyous life while saving money for a stable financial future.

1. The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control ofYour Finances Once and for All

By Joanneh Nagler

Teaches the Debt-Free Spending Plan which helps you downsize expenses while accruing money in your personal savings. The plan is said to only take about five minutes a day.

2. Debt Free For Life: The Finish Rich Plan for Financial Freedom

By David Bach

This book teaches you how to pay down debt and gain control of your finances, and also covers essential topics such as home and car loans, credit card debt, and student loans.

3. The Only Budgeting Book You’ll Ever Need: How to Save Money and ManageYour Finances with a Personal Budget Plan That Works for You

By Tere Stouffer

Focuses on helping you create a “visual portrait” of your finances so you can expertly manage your spending while accumulating money in your savings account.

4. Rich On Any Income

By James P. Christensen

This book teaches you how to live a prosperous life while effectively budgeting. It is ideal for people who feel they don’t have enough monthly income to make a realistic budget.

5. How to Manage Your Money When You Don’t Have Any

By Erik Wecks

Teaches you how to create a powerful budgeting plan with your current income. Provides advice on maximizing your income and paying off debts even if you are living paycheck-to-paycheck.

6. 925 Ideas to Help You Save Money, Get Out of Debt and Retire A Millionaire:So You Can Leave Your Mark on the World

By Devin D. Thorpe

This book is recommended for people looking for browsing material or a quick read. Contains over 150 personal essays and 925 ideas that can be utilized in everyday life.

7. Managing Your Money All-In-One For Dummies

By Consumer Dummies

An easy-to-understand guide for how to manage a household budget and boost your income for increased financial freedom. Also gives financial advice on life necessities such as car expenses and life insurance.

8. The Financial Peace Planner: A Step-by-Step Guide to Restoring YourFamily’s Financial Health

By Dave Ramsey

Authored by Dave Ramsey, this book outlines a financial regimen for gaining control over your money so you can enjoy peace of mind.

9. Financial Basics: Money-Management Guide For Students

By Susan Knox

Recommended for college students who wish to balance their finances while attending school. Contains worksheets to help you develop a budget that suits your needs.

10. The Budget Kit: The Common Cents Money ManagementWorkbook

By Judy Lawrence

Provides essential tools which can be used to expertly organize your finances while keeping track of monthly expenses.