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Updated September books and songs for financial matters

I love reading books and listening to music year round, including in September 2018..no matter the topic. But considering this website and its focus on financial matters, assistance programs, overcoming low income backgrounds/poverty and similar topics I think a few financial focused books may be most relevant and I updated the post with a few of my more recently favored songs as of September 2018. So I have noted a few books and even revised/updated this post tonight couple songs that I have enjoyed and/or found valuable over the years and that are more relatable to this website.

Anyone can get access to a book, whether you are struggling to pay the bills, living on a fixed income, or a middle income household saving for the future. If you can’t afford to get a book at the store, or download one, it is free to join a local library to sign out books, or even download them from a library.

Libraries are free

In addition to books (both hard copies and e-books), libraries often offer many offer other resources too, such as the free use of computers (for job searching, career testing, applying for financial aid, etc.), signing out music, access to newspapers to stay informed (like the NY Times) and more. Or a library can be a place to go to learn about free workshops that are offered in your community on budgeting, paying down debt, job fairs and much more. They can often be a place to go for peace and quiet, simplicity, and an “escape”. Personally I have always loved libraries, the peace/escape and the calmness that books bring.But I like libraries for many reasons, and those are just a few of them.

Your local library is usually a great resource for communities. They cater to people of all income levels, from the poor to the rich. Almost everyone can benefit from the services offered, and they too always need volunteers and/or financial donations to keep their doors open.

I love old fashion “paper” books, but unfortunately over the last few years I have turned to the “dark side” of using a kindle, which I rely heavily on now. While there are many free books you can get on a kindle or e-reader, the device can be pricey from many when purchasing it up front. So readers of this website who live on a budget may want to use a library instead of an e-reader. Some books I found interesting and/or valuable include the following.

Some recent 2018 books

GRIT by Angela Duckworth. It is all about perseverance. She writes about success not being all about talent…that even more important is Grit, not stopping, working hard, learning, trying, and not giving up. I can relate as I was not the smartest, fastest, and surely not the best looking (ha!..Mediocre at best!0 But yet I still succeeded.

Someone once wrote I was lucky to come up with an idea for a business and execute on it…but that is not the case. As I got the idea from reading (and focusing paying attention to what I read which many don’t due to lack of focus or multi-tasking). Heck my idea was not novel…others could have thought of it too at the time but didn’t. But even then, post idea, trying variations of the idea that formed, revising the approach, and putting in 80-100 hour work weeks for years to make it happen…that is Grit. Not to mentioning my stock investments and staying focused, determined, in ups and down,…Grit. I enjoy Angela’s emphasis on the topic.

The Power of Meaning by Emily Smith. The title may say it all! It is about trying to find meaning and purpose, and she talks about 4 pillars which she thinks is important. While there are many books on similar topics, I did enjoy this one.

But really there are thousands of books out there on saving money, starting a business, increasing income, and more. Those are just a couple that come to mind that may be relevant. What are some others that people may find useful on this topic?

Recent 2018 music

I also touch upon some music. Studies show that music can be motivational and often therapeutic. Among other things, there are times I use music to motivate me, whether at the gym or working on a business. It can also help calm my mind too, and I agree with the psychologists that it can be therapeutic. It also helped me when I was younger to overcome financial challenges, brought peace, and it helped give me daily motivation as I worked to launch a business and more. There are stories of how music can help low income families or children in poverty by motivating them as well.

I have been listening to a few older songs, including Matt Kearney, King and Queens. I like it as it signifies living simply, that the pursuit of money and wealth and/or fame is not what life is about. Money comes and goes.

An older song that I re-stumbled upon is Everclear, I will buy you a new life. Sort of talks about overcoming, restarting life, and meeting goals. The artist actually wrote this song when he use to drive by nice homes, and he dreamed of owning one someday. He partly used that for motivation. When he made some money, he achieved his goal of buying one of those new nice home as a “reward” to himself! I also like Father of Mine from Everclear but for a different reason…it is about family dysfunction, dad walking out, etc. I can relate to that, and then using that for motivation to “buy you a new life”.

O.A.R. and Peace is a good one too. It talks about not fighting, less drama, honesty, peace and quiet, which is all so important to me.

There is no question that music as well as books can be important. A song can motivate, improve moods, and give people the spark they need to be successful, whether at work, sports, gym, or “life”. As I noted, studies from Psychologists show how it can improve moods and how music has other health benefits too. There can be financial aspects to it too and monetary “rewards”, as if music inspires someone to work hard for a promotion that may result in a higher income.


Jon McNamara is the CEO of needhelppayingbills.com, a company that he started in 2008 and that specializes in helping low income families as well as those who are in a financial hardship. He also found NHPB LLC, a company committed to helping the less fortunate. Jon and his team also provide free financial advice to help people learn about as well as manage their money. Every piece of content on this website has been reviewed by him before publishing and many of the articles he has personally written. Jon is the leading author for needhelppayingbils.

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