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The powerful, practical money guide for anybody and everybody ready to swap financial insecurity for financial stability and success.




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 for Everyday People stands on the shoulders of the great American tradition begun more than three centuries ago with Poor Richard’s Almanac. It’s a financial guidebook of the people, by the people, and for the people.

everyday money everyday people

About the Author, Todd Christensen

Todd R. Christensen, M.A., CPFFE® is Director of Education for Debt Reduction Services Inc., a nonprofit consumer credit counseling organization.

Working with a nonprofit credit counseling agency, Todd facilitates hundreds of personal finance presentations annually, where he teaches thousands countrywide how to take control of their finances and find the motivation to reach their financial goals.

Todd Christensen Debt Reduction Services

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’re 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 nearly 1,000 presentations I’ve facilitated over that time, and the conversations that occurred in those classes.

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.

One Last Note

If you’re and educator and you’d like to use Everyday Money for Everyday People in the classroom please contact Todd Christensen directly for lesson plans, bulk book ordering options and more.  Todd may be reached by calling (208) 286-3283.

Thank you for your interest in the Everyday Money for Everyday People book!