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Smart Money

The Step-by-Step Personal Finance Plan to Crush Debt

Published by Rockridge Press
Distributed by Simon & Schuster


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About The Book

Straightforward steps to financial freedom and wealth

Getting a handle on personal finance can be confusing and stressful. Get unstuck and start saving now with this streamlined, holistic plan for financial wellness. Smart Money makes it simple to ditch debt and jump-start your wealth in nine practical steps. Learn how to avoid money pitfalls, correct any wrong turns, and save and spend the right way to build wealth.

Start by assessing your current personal finance, figuring out how much you owe, and comparing your income with your spending. With a wealth of budgeting wisdom, saving strategies, banking tips, and advice for investing, you’ll find out exactly how to set realistic goals—and watch yourself breeze through them.
  • A step-by-step plan—Build a strong foundation with a plan that includes putting your money in the right bank, making your credit card work for you, and prepping for big-ticket expenses.
  • Simple, helpful tools—Implement changes at each stage of financial planning with the help of handy budget worksheets and checklists.
  • Tips and tricks—Master the tools of wealth-building with tips including seven ways to tackle debt, five credit card commandments, and more.

Discover how you can revitalize your finances with Smart Money: The Personal Finance Plan to Crush Debt.

About The Author

NASEEMA McELROY is the creator of the blog Financially Intentional, where she helps others thrive by sharing the lessons she has learned. By shifting her mindset around money, she has paid off nearly $1 million in debt and grown a six-figure net worth in three years.

Product Details

  • Publisher: Rockridge Press (March 16, 2021)
  • Length: 184 pages
  • ISBN13: 9781647399573

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Raves and Reviews

“As a certified financial planner professional with more than 25 years of experience helping people with their relationship with money, I'm sincerely impressed by this book. This is a powerful resource for anyone who is seriously interested in becoming ‘good with money.’ I love how Naseema explores finance from a practical and easy-to-implement approach. She makes it easy to understand concepts that people often struggle with. I can't wait to share this book with many of my clients.” —Leisa Peterson, author of The Mindful Millionaire and founder of

“If you like money and want more of it, then this book is for you. Naseema does a wonderful job of breaking down all the basics and then some when it comes to truly understanding your personal finances.” —Jamila Souffrant, founder of Journey to Launch,

“Naseema has taken the sometimes overwhelming topic of personal finance and broken it down into digestible and actionable steps that anyone at any life stage can get started with! This is a book that everyone should have on their top list of books as they work to achieve personal success!” —Bola Sokunbi, certified financial education instructor, money expert, and the CEO, best-selling author, and founder of Clever Girl Finance

“This book is a delightful refresh of the steps to get your finances together and reads more like a conversation with your smartest friend—because how people talk to you is important! Naseema has a way with words and a flair for making the money stuff seem easy, one step at a time.” —Jackie Cummings Koski, CEPF®, author and financial literacy advocate

“Naseema McElroy takes readers on a relatable and empowering money management and debt-slaying journey where she uses her personal stories of financial turnaround and outlines a step-by-step process that is applicable for people who are ready to take hold of their financial lives. Smart Money is a book about money, but also about life, using humor and engaging stories to take a topic that can be overwhelming and turn it into empowerment. I highly recommend.” —Lynn Frair, RN and founder of

“This is the book for people ready to be the CEO of their money. Naseema inspires and educates, and then instills a sense of urgency to move on these concepts. Most importantly, she gives us the plan for our money, whether it’s winding our way out of debt spirals or making that first deposit to build wealth.” —Sarah Auld, lead retirement plan specialist, founder and CEO of Aptus Financial

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