I have a confession to make. 

For the last few years, I've been very interested in the topic of personal finances. 

My husband and I have dug so deep into it - reading books and blogs, listening to podcasts, webinars and YouTube videos, and speaking to friends and family. We've done this because we wanted to get better at managing our money and making sound financial decisions for the future to be able to enjoy life even more. 

We've both had rough years when starting adulthood and it's taken a lot of hard work to now live comfortably. We've also had struggles with debt (as anyone really) or haven't managed our money well spending unnecessarily or not thinking through the details until we realised some key mistakes.

Everyone falls into the trap of money. It's such a vicious circle that some can't get out of it. And what's worse is that nobody is teaching you basic financial literacy at school (unless your parents go deep on the topic with you).

When you reach adulthood, you're left on your own to figure out what to do with what you earn. Society puts various ideas in your head and the temptation to just buy and consume, often beyond your means, is everywhere - social media, TV etc. - making it almost impossible to resist. And what happens then is that most people get a first credit card and a second and then a loan and before they know it, they're paying one debt with the other. Now you may think this is extreme but it's happening so much and people are simply ashamed of talking about their financial situation. 

Most often, financial issues arise due to a lack of knowledge of how to manage your money effectively.  We're talking about simple things like basic awareness of where your money goes and journaling spending, planning for bigger expenses strategically rather than going into debt, knowing your taxes and retirement situation, and not to mention things like investing that many consider something just for the rich.

So we set out on a mission to help people control their money instead of letting themselves be controlled by their money. You know me, I share my knowledge through writing so my husband and I have been working on a book about managing personal finances and it's going live in the next few weeks. 

We're calling it "Money Mastering: The Simplest, Yet Most Important Money Management Tips You Should Have Been Taught at School". 

The book provides clear guidance and practical, easy-to-apply tips every day and it's different from most other books out there that sell an unrealistic dream of getting rich fast or are too detailed with too many calculations and too many steps that overwhelm a regular person. The book covers basic financial literacy lessons that no one is teaching you at school and is simple and easy to understand. The lessons include:

• How to set up your money objectives and priorities
• How to build a practical system to manage your personal finances
• How to create and manage a budget
• How to build your emergency fund as a safety net
• How to tackle debt
• How to start saving, investing and preparing for retirement

It's such a simple guide that it's a shame it's not part of any school curriculum.

And on top of the content, we have created a 4-week practical challenge at the end to apply the learnings immediately and start seeing positive results.

A few more weeks, and we'll have the book out as a Kindle and paperback version on Amazon in English and shortly after in Spanish. 

Do you think this book would be of value? Would you read it?