Common Cents

This will be the perfect book for anyone who loves the concept of bullet journals but doesn’t have the time or inclination to make up the pages.
Not only that, the book explains plainly and clearly why and how to organise certain parts of a budget; from the outgoings to debt payments.

Wow - if you're a young adult with no clue about money, you need this book.

Do you get confused by spreadsheets and thick books on finances, this one's for you. The sort, easy and simple explanations, clear graphics, and loads of worksheets will help you get a grip on what you're earning and spending. With this help, you'll be in the savings and future business before you know it.

Highly recommended.

I never thought i would be taking advice from twenty somethings. But I am okay with this because the authors reminded me that you can budget at any age and kept an upbeat attitude the entire workbooks. Using wording that anyone can understand, Common Cents sets you with knowledge and budget sheets to help you learn to budget, stick to a budget and start saving. I am really excited to take what I learned and apply it to 2019.

The fact that this book is full of actual worksheets to make you look into how you’re spending your money and what things are actual practical is very helpful. This book is likely to help younger people who are just starting out with their own savings and checking accounts s well as paying off any student loans and newly acquired credit cards, but it’s stoll a practical tool for older people who need to really take a good hard look at their spending and how to get out of any debt they’ve found themselves in. I liked the tips of this book and the fact it’s an actual workbook, not just som pompous opinions on poor choices you’ve made and judging you for having debt.

Common Cents is a budgeting book by Earn Spend Love. Budgets are nothing new, but Common Cents takes a simplified approach. Things are explained before just jumping right into setting up your budget.

Common Cents is a practical book geared towards helping young women enjoy financial security by showing them how to create a budget, build a savings and emergency fund and so on. The book includes worksheets where you can record your expenses, bills, and set financial goals.

Thank you to Quarto Publishing Group - Rock Point and NetGalley for an ARC of this book in exchange for an honest review.

This is a nice budgeting workbook. I know we all or most of us had saving money as a resolution this year. Well this book right here will help you teach that goal. There are a lot of tips for how to spend and save wisely. There is so much to help you plan for that trip, paying off debt, or whatever your goal is. This book will help you reach it.

This book was received as an ARC from Quarto Publishing Group - Rock Point in exchange for an honest review. Opinions and thoughts expressed in this review are completely my own.

This book should be on everyone's shelves. Whether you are in high school and got your first job, a newlywed looking to make some big investments or even parents/grandparents that are looking to pay some bills and get out of debt, this book is for you. I loved how they presented this book to make it colorful on a not so colorful topic such as budgeting and managing money. I also love the fact that it is a workbook and they give you quite a few pages to apply what you learn and try their techniques for yourself so you can see what works and what doesn't work.

We will consider adding this title to our Non-Fiction collection at the library. That is why we give this book 5 stars.

Good workbook, lots of info and not patronising in the slightest. Although! I do hate the term 'hustles'. Life is too short to hustle through it!

Common Cents is a nicely organized book that helps get budget in place. It seems to be written for younger people who may just be going to college or taking their first job. People who need to start on a budgeting pathway. It is written to a lower level but there are still some good takeaways for anyone trying to be more mindful of money.

An ideal read for the start of the year when finances are recovering from the festive season, but there is also much in here to make it appropriate reading for the other eleven months of the year as well. Whilst I definitely don’t think that I qualify as the target audience for this book, nonetheless it contains many universally useful budgeting tips and I found it to be presented in a user-friendly, accessible and straightforward style. Fulfils everything outlined in the blurb and it definitely a handy book to keep dipping into as required.

Thank You RockPoint Publishing and Netgalley for an ARC of this workbook.

Although aimed at those in their 20’s this is a useful, quick book to read and easy to understand. It is full of worksheets aimed at being used for a year of budgeting.

The layout is nice, with watercolours making it appealing.

Great guide to kick start a budget!(which I Should have done years ago.....but better late than never right?!) From breaking down all of the budget basics in an organized and easy to follow manner, to providing helpful charts and lists. Definitely recommend ☺️

Common Cents is full of great tips and actionable advice regarding creating your budget, and sticking to it!


This book starts with some advice and introduction to budgeting, Why we all need a budget, what happens when you don't have one, and more. 


Then worksheets start to appear throughout the book, intersected by sections of more information and more advice.


The pages are beyond beautiful! 

And although a beautiful budget is not needed, is still such a nice touch to have pretty pages to make this task more enjoyable.


Before you find any work page you will find information on how to proceed to fill it out. All you need to know and more is included in this book. 


Some of the topics you will find include:


Budgeting 101DebtSetting up an emergency fundSmart spendingPutting it all togetherAnd extras

Even after you fill up all the worksheets, is still worth to keep this book. To be able to revisit the information and advice if necessary. As we all have reverted back to old habits one time or two.

This is a book on budgeting targeting young people who are starting out. It has simple ideas and the layout makes it easily understandable on budgeting, paying debts, investing, etc. There are lots of worksheets for the budget planning for a year.

Thanks to netgalley and the publisher for the eARC

Aimed at early 20-somethings, Common Cents provides common sense advice on budgeting and personal finance. It contains several pages of worksheets on beautiful watercolor images to make an often challenging topic more palatable. The advice is friendly and casual with occasional tough love. I wish I’d had a book like this when I was just starting out. This would make a great graduation gift along with a little cash.

Common Cents is a brilliantly simple budget book aimed towards the young adult and ‘new’ adult market. What separates Common Cents from other personal finance and budgeting books is the language and forgiving nature of the content. As someone who has read widely within the personal finance genre, Common Cents is a welcome breath of fresh air.

While predominately a workbook filled with prompts and space for budgeting, debt management, and goal setting, Common Cents also offers up advice on handling your money. At no point are you made to feel bad about your previous spending habits or current finance situation – the book instead openly encourages you to be honest and take steps towards helping yourself. The personal anecdotes offered by the two authors, Meleah Bowles and Elise Williams, really ground the book and make it a realistic and positive resource for people wanting to take control of their financial lives.

The workbook offers a number of places to help strengthen your financial situation. The book starts off with a section dedicated to working out a budget, the point is stressed that everyone’s budget will look different and that it’s your life, your money, and ultimately your budget.

The rest of the book tackles debt, starting an emergency fund, making smart purchases, and setting financial goals. Ideally the book is intended to be used over a period of time, with the final section of the book being a place where you can reflect on your financial journey and look back on how you have managed your money. From personal experience, nothing is more satisfying than seeing this progress and I loved that the book provided this space.

Common Cents is a fantastic resource for people who want to take control of their money. The language used is very welcoming, concepts have explains simply, and the authors provide honest personal examples of their own habits.

If you are looking for a starting point at managing your personal finances, then Common Cents really is the place to start. Not only is it well written and approachable, but it is physically very pretty – which not going to lie, really does help ❤

Love the design, the way this is written, the useful information and the fact it's a workbook - ace for twenty-somethings that need a little hand!