Household Finance 101: Your Flight Plan to Financial Independence

FREE on Kindle until February 13th.

Just finished this book – different, but in a good way. I really enjoyed the first part where the focus is on mindsets. Some personal finance books tend to be too long and detailed. This book sticks to the point and explains things in interesting ways. For instance, I’d never thought of debt as mortgaging future time, or an emergency fund being there to keep you out of temporary poverty while allowing you to borrow from yourself at no interest – good stuff. Highly recommend. – Readers Review

HOUSEHOLD FINANCE 101:
Your Flight Plan to Financial Independence

You don’t have to struggle between paychecks — this book makes finances simple.

Are you ready to make a change for the better, take control of your finances, and escape the strain of living paycheck to paycheck while balancing family life? Then you need to read Household Finance 101.

You can be debt free and financially independent — this book shows you the steps to take for a better life.

Written by a financial counselor who experienced economic hardship, this book offers real advice and tactics from someone who understands how stressful and difficult the money game can be. With a helpful, kind, encouraging tone, this book offers the advice you need to set your life on the right financial course; no matter how dismal things seem.

This four-module course will teach you:

To effectively save, manage, and invest money.
Steps you need to take for financial independence.
Mindsets and real-world strategies to increase your odds of success.
How to budget like a pro and create monthly surpluses.
Tips to boost your income and increase your wealth.
And so much more!

You owe it to yourself to take the first step toward financial freedom — this book teaches you everything you need to know. Take control of your life and buy your copy now!

About the Author

Thomas Hoy-Nielsen

I am a Copenhagen, Denmark native, living in Arizona since 2002 with my awesome and patient wife, Magali.

We went through the motions: raised kids, paid the mortgage, and navigated expensive child and health care, all while hammering away at student loans.

I was a corporate guy for fourteen years, and an entrepreneur for the last twenty, where I have been involved in multiple businesses: start-up, management, and sale. My life would have been boring if I’d made all the right moves, but thankfully, I made plenty of mistakes. I kept learning, and by my mid-40s, was able to semi-retire.

Today I work as a financial counselor in my practice. I help individuals and families create clarity around money – from monthly budgets to long-term life goals. I strongly believe in and encourage folks to pursue financial independence, something near and dear to my heart.

My formal training is as a commercial pilot, and I am also an FAA-certified flight instructor. This background in aviation has influenced how I think about money and beyond. For instance, a budget is akin to a fuel calculation, and in many interesting ways, life is like a flight plan, with its distance covered, phases of flight, change of direction, and different weather systems en route. The world of aviation holds many lessons and great metaphors, which you will find in my writing.