I love Money Mum and find her hints and tips very handy so was excited to get an ARC of this book.
Obviously will be better in physical copy so you can annotate it but great book to help you get on top of your finances.

An insightful journal full of beginner advice and good money saving tips - I would recommend anyone interested in getting control of their finance and improving the way they handle/relate to their money.

Great journal to keep up with your personal finance, not for the advanced finance people. I wish it would have more examples and explanations.

What a delightful find this journal has been! Gemma has crafted something truly special here, sprinkling her pages with golden nuggets of wisdom on how to nurture your savings or take those first tentative steps towards building a nest egg if you're not quite sure where to start. There's something so refreshing about the way she uses straightforward language, making the world of savings feel not just accessible, but inviting!

The structure of the journal is like a friendly guide through the sometimes-tangled forest of personal finance, with clear signposts and little tips that shine like lanterns in the dark, showing you the way. I've already scribbled down a handful of these tips to weave into my own savings strategy.

Moreover, the journal does a fantastic job of demystifying the process of tracking your expenses and income. This isn't just about numbers; it's about understanding the story they tell and uncovering the true potential of what you're capable of saving. It's like having a map that shows you where your treasure is buried, and all you need to do is follow it.

Gemma's journal isn't just a book; it's a companion on the journey to financial well-being. Whether you're a seasoned saver or just starting, there's something wonderfully reassuring about having such a guide in your hands. I'm already putting some of these insights into action, and the sense of empowerment it brings is truly uplifting.

After loving the first book i was delighted to get a copy of the journal. It is so helpful and has something that can help everyone. It is needed in this cost of living crisis

Amazing journal! Full of tips on how to make the most of your savings or start saving if you don't have a plan on place already! Loved the simple language that Gemma uses and the way the journal is structured! I already wrote down some tips to follow my self and implement on my own savings plan. I am already using some of the methods described in this journal and I know they work so I have faith that the extra ones will work as well.
Also great tracking of expenses and income in order to be able to identify amount of money that you can afford to save.

Thank you to Netgalley, the publisher and the author for my early copy.

A useful addition to the Money Mum Save Yourself Happy book. It starts with a quiz on what type of saver are you and deals with setting goals for your self., and setting your own budget. It is then that broken down into 12 monthly sections have pages for your budget review, to track your spending and then journal pages for notes and a review on what you have saved.

Actually I thought it would be a general journal. But the journal is based on a particular country. Taxes and all things if you know. But the spreads could be used by anyone. So I gave it a solid 4 star. One thing that could have been added is the comparison page for every month. It would have made me compare last month with this month and I could properly utilise my income if at all I have made any unwanted expense last month then I would definitely check and stop that this month.

The Money Journal goes beyond just giving financial advice – it delves deep into your money mindset and helps you conquer any financial anxiety you may have. The bank-boosting tips are pure gold, and what sets this journal apart is its focus on personalised budget planning. It doesn't force a one-size-fits-all approach; instead, it guides you to create a budget that aligns with your lifestyle. And the monthly spending tracker? Genius! It's like having a personal financial assistant, keeping me on track and accountable. If you're ready to transform your relationship with money, The Money Journal is your ultimate partner on this journey!

I have taken many notes flicking through the journal and created my own Budgeting Spreadsheet, looking forward to seeing how much I can save by following the monthly prompts.

It is UK-centric, as it mentions child benefits, tax credits, the gov website, and ISAs, but the monthly budget sheets could be used by anyone, anywhere. It requires you to write down all your income and outgoings at the beginning.

It is then divided into twelve months, with tips and a couple of journal pages. Each month has a budget review of income and outgoings, though it is much smaller than the original list, but does include two pages of a spending tracker.

An interesting book for those wishing to budget with their money but is more aimed at those who have little experience in doing so. I thought it lacked a few things, such as comparing the budget partway or at the end of the year to see what has changed. On the spending tracker, I'm not sure if I put my general spending in here, or my usual bills.

I received this book from Netgalley in return for an honest review.

This book is honestly filled to the brim with so much information and guidance. It’s great having everything all in one place and has trackers and tips for saving, both short and long term. Loved the bit where kids could be educated too. I loved it, but I think I’d like to own a hard copy!

The Money Journal is an easy to use monthly spend tracking book full of helpful tips and prompts to get your finances where you want them to be. It features useful advice on financial goal setting, tips to help get out of debt, and key techniques to help achieve your money goals. I found all the information really interesting and helpful and can see this being a go-to guide for managing finances. I'll definetly be using many of the tips in this book!

This journal and nice Excel template should set you up for solid financial management skills and a great saving plan & ability to actually save.
Loved monthly saving checklists! Great things to try and apply in your life at any point, but having those broken down by only 4 for each month should help new habits to build up easier and one by one, actually making those possible to stick to.
As a person who has found some of those recommendations before checking out The Money Journal, and who already applied those - they are life (&money) saviors! Especially, I like the idea of saving the last digit. I've seen a similar suggestion, but the one in the book should work even better as you see where your money is going and how much.
If you are not the one with fancy well-thought-through Excel tables, this journal will do you good.

Gemma Bird gives sound advice in a simplistic , yet thorough way on how to be better at money management. I did appreciate some of the content but didn't enjoy the 'chummy' tone.
I think it would be useful to my teenagers as they learn to find their own way in the world.

Many thanks to #Netgalley and #Octopuspublishing for giving me access to this #ARC of #TheMoneyJournal

Some great tips in this book, and a great layout of the journal.

Thank you NetGalley for my complimentary copy in return for my honest review.

As someone who loves a journal and considers themselves to be fairly good with money I was keen to see if The Money Journal would work for me.

I absolutely love the layout of this book. Great tips that are broken down into months provide advise and information without feeling overwhelming. There was plenty of space to make notes and to write down how things were working for me. The monthly approach to trying new things made it feel much more approachable and not as though I needed to completely transform everything all at once.

Gemma Bird has a friendly but informative writing style. It was like being given hints and tips by a well organised friend. As the book reaches it's end, bigger topics such as savings accounts, ISAs and investing are introduced. Many money books introduce these early on and can sometimes overwhelm people as there are so many types of account to choose from. By introducing these later in the book, readers will have a much better grasp on their spending and be able to decide where they want to put their new found savings.

I'm sorry to say this, but this book wasn't for me. I certainly like the idea behind it and I can appreciate the value of tracking where your money is going in order to meet financial goals, but I feel that most adults my age (40s) and younger would prefer using an app or spreadsheet, since it could provide better functionality and analytics than mere lists of amount spent in each category. There was a little advice scattered throughout, but the only takeaway for me, is the setting of no-spend days, as a way to gamify working towards saving goals.

The Money Journal by Gemma Bird is a practical and insightful guide to help you achieve your financial goals. Unlike other budget planners, the book takes a comprehensive approach to tackling financial anxiety and improving your money mindset.

The first half of the book focuses on understanding your spending habits and setting savings goals. The author recognizes that everyone deals with money differently, and she avoids a 'one-size fits all' approach to money management. The money mindset quiz is short but practical, and it offers actionable advice on how to set goals and budget according to your spending and saving habits. This section then guides you through creating a personalized budget plan to achieve your savings goals.

The second half of the book focuses on day-to-day budgeting. The book is designed to be used every day, with space for taking notes and reflecting on your progress. It includes a section for tracking monthly spending and a short monthly to-do list to help you stay on track. This section also provides helpful tips on how to save money on bills, increase your income and stay on top of monthly subscriptions.

The Money Journal is easy to read, easy to understand, and provides actionable takeaways, making it an excellent resource for anyone looking to improve their financial situation. However, it does focus on the basics of personal finance. If you're looking to take your finances to the next level, such as investing in the stock market or saving for retirement, this book only skims over these topics. Perhaps this is something the author could consider as a follow-up?

Overall, The Money Journal provides a comprehensive approach to managing your finances and helps you build good habits that will benefit you in the long run. It's highly recommended for anyone looking to take control of their finances and achieve their money goals.

This is a very useful book on the to take charge of your personal finances. It gives a lot of helpful information about al lot of various subjects concerning personal finance.

This is a very useful guide to work on your personal finances. It's a workbook but it also contains a lot of information on how to deal with money.