Any personal financing book suggestions?

[Nicole N]

Hi. I'm looking for a book on managing personal finances/debt. A few that I have looked at seem mostly about 'getting rich' and investing. While that sounds great and all...I'm not at that point in my life where I can invest.

I'm 23 years old and will be done with grad. school in about 3 more years. Currently, I am surviving on a very limited income with very little extra money. I also had a bad spell with credit cards when I first turned 18 - the negative accounts have been closed, however my credit is still marred and they will not be removed for 3 more years. Obviously, I am in no place to 'invest', and I do not qualify for a 401(k) at my work, so books that focus solely on those two aspects will not be of much help to me.

Anyone have any advice on books that someone like myself can actually benefit from? Thanks for any suggestions!

[Ms Jackson]

You should read Suze Orman's Money Book for the Young, Fabulous, and Broke. This is great guide to help young adults with everything from saving/investing advice, getting out of debt, buying a first car, to buying your first home.

Also in the book you get a code to use online. With the online code you fill out a survey and you get a financial action plan designed to meet your needs.

Good luck.