The Powerful, Practical Money Guide for Anybody and Everybody.

  • Ready to Swap Financial Insecurity for Financial Stability and Success?

CHECK THIS OUT: “Everyday Money for Everyday People” stands on the shoulders of the great American tradition begun more than three centuries ago with Poor Richard’s Almanac.

After facilitating hundreds of workshops annually on the fundamentals of effective money management over the past decade, Todd Christensen based his first book, “Everyday Money for Everyday People,” on the discussions, tips, stories, and ideas shared by the thousands of individuals and couples in attendance.

It is a financial guidebook of the people, by the people, and for the people. This book is based on what works for everyday people. Saving is a commitment, not an amount!

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What’s in the Book

Living Paycheck to Paycheck? This book can help you with:

  • Day-to-day money topics
  • Do’s for building financial stability
  • Don’ts for minimizing financial stress
  • Steps to breaking out of the paycheck-to-paycheck spiral
  • Scores of inspirational financial quotes, stories and illustrations for you to live by

everyday money everyday people

About the Author, Todd Christensen

Todd-Christensen-Financial-Educator-and-AuthorAward-winning author, Todd Christensen, MIM, MA, AFC (1966-) is blogger for, he serves as Education Manager for Debt Reduction Services and Money Fit by DRS, a nationwide nonprofit credit counseling agency, since 2004.

He writes on the FIRE Movement (Financial Independence/Retire Early) and the fundamentals of personal finance and has taught over 2,000 seminars and workshops on budgeting, spending behaviors, building credit, eliminating debt, and building savings. He incorporated many of his students’ experiences and tips into his first book, “Everyday Money for Everyday People” (2014).

Todd draws on his experiences in classrooms and at conferences to help adults, children, and all those in between to improve upon their current personal finance behaviors. Whether you are looking for your own complete money makeover, need a thorough guide to money, or just want to be at peace in your financial world, Todd’s either got the resource and answers or can find them.

Since 2005, he has served in leadership positions, on boards, and on committee of the Idaho Jump$tart Coalition, the Association for Financial Counseling and Planning Education, the Council for Certification of the American Association of Family and Consumer Sciences and various housing authorities.

In addition to being an accomplished public speaker and author, he served in 2009 as a volunteer Spanish and French language interpreter at the Special Olympics 2009 World Winter Games in Boise, Idaho and serves regularly as judge and evaluator for high school state competitions and programs involving personal finance, economics, and entrepreneurship. In 2007, he helped to draft the course standards for Idaho’s Mathematics of Personal Finance high school class. An eagle scout himself, he has also served in multiple adult leadership positions in scouting.

He’s married with four children, is an amateur songwriter, has often joined his tenor voice to church and community choirs, and loves donating to and shopping at thrift stores.

Todd regularly speaks at businesses, conferences, workshops, and symposia.

Words from the Author

There are plenty of smart money people and money smart people writing books with great suggestions and ideas to help us improve our personal and household finances. Why yet another?

Because books written for “everyday people” are few. Some books are written for or by the rich and/or the wealthy (not the same thing, by the way) or the books look and read like college texts. They are too heavy on theory and too light on the practical.

Having worked in classrooms with well over 10,000 in the past decade, it has been my privilege to learn from my students and share with them ideas for bolstering our financial situations. This book is the outgrowth of the over 1,000 presentations I have facilitated over that time, and the conversations that occurred in those classes.

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Reader Reviews

Tyler B.5.0 out of 5 stars – Financial Success Here I Come!

What a book! After reading Every Day Money for Every Day People, I’ve come to realize that there are so many ideas presented by the author that should just be common sense.

Huntington5.0 out of 5 stars – Superb, comprehensive money management advice for the rest of us

Well written, well presented advice in all areas I could think of on personal finance (not investing), everything from how to discourage excess spending to credit card handling.

Kathryn L5.0 out of 5 stars – Great planning tool

Thought provoking discussion of topics I’ve always assumed were right. His discussion of spending-centric versus earning-centric mindset was amazing when making spending…

Amazonian Specialist4.0 out of 5 stars  – Good book for Everyday People

I read a lot of personal finance books, so this one was really nothing groundbreaking to me. I didn’t expect it to be, I just enjoy seeing all the different views out there on…

Don B.5.0 out of 5 stars – Must Read for every family!!!

Thank you for all the information packed into this easy to read book. The simple steps and the reviews are a must for every family that is planning for the future, as well as…

Sheila S.5.0 out of 5 stars – I loved it!

Todd is very knowledgeable and offers some great tips and ideas. Would recommend this to anyone who feels they could improve their financial situation.

Hannah5.0 out of 5 stars – Helpful and entertaining

Everyday Money for Everyday People presents many misunderstood topics in understandable, relatable ways.

Jeanne M.5.0 out of 5 stars – Help yourself conquer your money woes!

Everyday Money for Everyday People is a down to earth, easy to read and understand book for the financially challenged.

Amy S.5.0 out of 5 stars – This book is an inspiration

There are so many great ideas and methods for getting your finances under control in this book, and I love the clarity with which everything is presented.