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Hi everyone!
Today I wanted to share my review of the above book, as I think there are a lot of things that can be learned from it. Being of the age and category of both young and financially independent, I think this was the perfect time to read the book and take on the important messages throughout. That being said, I think everyone can benefit from reading this at any age.

***I was very kindly provided with a free copy of this book by the author, via The Book Club, in exchange for an honest review. All the opinions stated below are my own ***

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The most important thing to highlight is that the author is recounting his experience and therefore it is not a guide to follow religiously. It will not necessarily solve your problems. What it will tell you, however, is that very often following a serious kick up the backside, an attitude change is required. With a lot of hard work, you CAN dig yourself out of the bottom of the trench.
Naturally, the book begins with our author in his childhood. I think it true that as children, we are taught very little about money. He argues a distinct lack of support in the education system in teaching finances or planning for the future, and I totally agree! There is no education about completing your tax form, for example, and one) it isn’t always straightforward; two) there can be serious consequences for doing this incorrectly. I genuinely think this is one of the fundamental areas in which “life skills” are not taught in school. I’m glad the author highlighted this.
Moving away from childhood, the author gets his first salary and spends it all. Having money is exciting, no? I’ll hold my hands up and admit I did this too. It was fun. Mum and Dad still got paid rent, but this is not something that can be done viably every month, as the author does. Instead, he continues to live beyond his means, perhaps succumbing to social pressures including marriage and ends up with several loans and stacks of debt.
I am fortunate that I was taught how to manage money, as my parents, in their own circumstances, scrimped through much as the author did. I think they could have had help, but they didn’t want it. They wanted to go their way whatever the cost. As they have travelled the long road, they would not hesitate to tell me if they thought I was being irresponsible. They wouldn’t let me fall into that trap.
Sometimes though, things happen beyond our control. I moved away from home and left my first job (after a few years experience) about six months into living alone, to earn more than a junior’s limited wage packet. Things were tight. Less than a year later, the Company my Company were subcontracted to provide admin for decided to sell our part of the business, so the admin was no longer required. Suddenly, the threat of redundancy was on my head and being responsible financially for my home, I was worried sick. My parents had the facility to help me if I needed it (though thankfully I didn’t), but not everyone has this available to them.
Neeraj correctly points out that it is for these unexpected circumstances we should prepare ourselves. It would take me a long time to get to the stage of being debt free and having two years wages in cash savings, but I put by at least a little bit every month. That’s both a start and one of the most important things, I feel. Other than having set up a pension, I have thus far made very few plans for the future. I am only in my twenties after all, and I don’t have the means to do this yet. Neeraj discusses investment choices he made when it came to forward planning, which is fine, but I am nowhere near a position to even consider yet.
A lot of the points made in the book are identifiable with, such as the reliance on credit, even if you are yet to experience them. It is written in a very conversational tone and as I said above, it is “advice” that should be taken with a pinch of salt. We all have our own differing circumstances, but there is plenty here to consider.
It must be difficult to recount some of the most stressful times in your life. Thank you to the author for doing so, in order that we may learn from his mistakes and not have to learn the hard way too. His aim of the book is not to profit from it, but to educate people. That is reflected in his book being copyright free.

 

Happy Friday!!
I am excited to be bringing a review of this book to you today, purely because I get to have a  rant about how AMAZEBALLS it is!

I was gutted that I didn’t get to finish this book within my deadline of the end of October, but then, I should have been smarter and checked the page count before I committed to reading it straight after IT by Stephen King.
I’m an idiot. That won’t be news to some people… I just hope I’m a loveable idiot…? No? Okay then, I’ll just get on with it.

Goodreads

According to mythology mankind used to live in The Tranquiline Halls. Heaven. But then the Voidbringers assaulted and captured heaven, casting out God and men. Men took root on Roshar, the world of storms. And the Voidbringers followed . . . They came against man ten thousand times. To help them cope, the Almighty gave men powerful suits of armor and mystical weapons, known as Shardblades. Led by ten angelic Heralds and ten orders of knights known as Radiants, mankind finally won. Or so the legends say. Today, the only remnants of those supposed battles are the Shardblades, the possession of which makes a man nearly invincible on the battlefield. The entire world is at war with itself – and has been for centuries since the Radiants turned against mankind. Kings strive to win more Shardblades, each secretly wishing to be the one who will finally unite all of mankind under a single throne. On a world scoured down to the rock by terrifying hurricanes that blow through every few day a young spearman forced into the army of a Shardbearer, led to war against an enemy he doesn’t understand and doesn’t really want to fight. What happened deep in mankind’s past? Why did the Radiants turn against mankind, and what happened to the magic they used to wield?

What an amazing start to a series. Just wow. I love the covers of these books too!
I think the best part of the book is the characters, in particular, Kaladin, Dalinar and Shallan. Whereas Shallan’s background and motives are outlined almost at the beginning of the book, we learn very little of Kaladin at the start and gradually his backstory is filled in as you progress through the book. I think any avid reader can both relate to and be envious of Shallan as she spends the majority of the book tutoring under one of the most prestigious and intellectual women of Roshar. In that position, she has access to what sounds to be the BIGGEST library ever. I am the green-eyed monster. That being said, I also relate to Kaladin as he is so grounded and humble as a person; he is a doer. Get up and get on with it type, and wants to do the best he can for everyone. I like that in him.
Dalinar, brother of the assassinated King Gavilar is a Lord of one of the main Alethi houses, fighting on the front line in the war against the Parshendi. He has become plagued with visions when each of the Highstorms hit and gradually those around him begin to suspect he is mad. Unite them. Those are the haunting words of his visions, but what do they mean?
Whilst most chapters are written from the perspectives of Dalinar, Kaladin or Shallan, we are given periodic interludes that give us a wider perspective on what is going on in Roshar as a whole. It is through these sections that we can see how a wider plot is developing and I am sure will continue on into future books.
The storyline will definitely make this series, upon completion, epic. The ideas are introduced gradually so as not to overwhelm you, which to my mind is essential when introducing books of a different “world”, with different rules and ideas to our own. The opening chapter shows us catastrophic events, throwing us six years into the past and into the action which defines events happening in the “present” – the assassination of King Gavilar himself.
I also love the system of magic developed in the book. Much like the Mistborn series, magic is drawn from a “real” and finite element; in the Mistborn series it is metal and in this one, it is gemstones infused with Stormlight. I find the idea of magic not being limitless gives the concept more realism, somehow.
There is much plotting and scheming going on as many vie for power – but who will succeed? I have a long wait to find out. Historically Sanderson has been releasing one of these books every three years, and since book three has just been released now… yeah. A LOOOOOOOOONG wait.
I am excited, nonetheless! It’s taking everything I have not to just jump into Words of Radiance, being book two.

Have you read any books of The Stormlight Archive, or tried any other books by Brandon Sanderson? I would love to know what you make of them so far!