Review: Savvy Saving For Busy Women

I told you I was going to start posting about personal finance and as promised, here’s my first money post!

About two years ago I read this ebook by Dar Arechederra of Rat Race Blues. It’s called Savvy Saving for Busy Women. Now, there are a lot of books out there on saving, but this one has a unique twist: It promises to help you save to reach a goal important to you, and without deprivation, scrimping, or endless coupon cutting. Sound good? Here are some of my favorite things about the book.

Dar starts off with a recommendation that probably every personal finance expert also says: TRACK YOUR OUTGO. In other words, know exactly where your money is going. I’ve been doing this for months now and it is SO telling! I find myself NOT spending money just because I don’t want to have to face writing the expenditure down in my notebook. :)

This tip also helps you see where you’re spending money so you can ask yourself, am I getting the benefit from this commensurate with the expense? In other words, is it worth it? Does this money represent a life value I have? Good questions. :)

One of the hardest things about trying to save money is motivation (or more accurately, lack of motivation). Dar has tons of tips to help you stay motivated to reach your savings goals. I’ll share just one that I think is so totally unique and have never seen anywhere else.

Instead of only tracking your spending, track your SAVINGS. In other words, when you DON’T spend that $15 on those shoes you don’t need, WRITE THAT DOWN. It will motivate you immensely. Then – and this is key – transfer that money to your savings account immediately to take it out of circulation.


I don’t know about you, but seeing my savings account balance grow is very fulfilling emotionally. This is an awesome tip, and it’s just one of many that are throughout the book.

Dar also includes tips on what to do if you can’t (or won’t) balance your checkbook, how to budget if you hate budgets or they don’t work for you, how to treat yourself (she calls it “frittering money”) without blowing your savings plan, how to deal with your shopaholic tendencies, how to find extra cash, what to do if your spouse isn’t on the same page with you money-wise, and personal stories of women who were able to meet their savings goals are sprinkled throughout the book.

Dar includes an extra gift in the form of a Lifebook Journal. This gives you the tools you need to craft your goal (and it’s not about the money – the money is just a tool), your incoming and outgoing money tallies, your saved money list and credit card information so you have everything organized in one place.

You can get Savvy Saving for Busy Women here.


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2 Responses to Review: Savvy Saving For Busy Women

  1. TGReid says:

    Great post and nice idea! The most common complaint I hear about saving money is that it’s hard to get any instant gratification from it (unlike the new shoes).

    One of my suggestions is to put that saved money directly into a jar so you can see your $ actually piling up. Then deposit it at the end of a month or 2 months, etc. Or just set up automatic transfers to savings every paycheck so you never actually get used to having the full amount. Either way — we must save!

    Author, “The Get A Life Campaign”
    ISBN 0-7414-3925-5
    Check out our new blog at:

  2. carrie says:

    You’re so right, and that is a great tip – one that Dar actually also recommends in the book. I love that it’s so easy now with online banking to transfer a buck or two every day. :)

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