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Thomas Hoy-Nielsen
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HOUSEHOLD FINANCE 101: Your Flight Plan to Financial Independence Paperback – December 22, 2022

by Thomas Hoy-Nielsen (Author)
4.9 4.9 out of 5 stars 19 ratings
See all formats and editions
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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!

Previous page
  1. Print length
    137 pages
  2. Language
    English
  3. Publication date
    December 22, 2022
  4. Dimensions
    6 x 0.31 x 9 inches
  5. ISBN-13
    979-8370434303
  6. See all details
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The Amazon Book Review
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From the Publisher

Household Finance 101 proven strategies

Learn the essentials with this comprehensive four-module course:

Financial mastery

Financial steps

Boost success

Budget mastery

Money Mastery

Empower your finances with effective money management techniques. Master the art of saving, managing, and investing your money to secure a financially stable future.

Financial Steps

Take control of your finances and learn the specific steps required to begin the journey toward financial independence.

Success Boost

Unlock your potential for success with the right mindset and strategies. Master practical, real-world approaches to increase your odds of success in all areas of life.

Budgeting Mastery

Achieve financial stability through smart budgeting. Learn how to budget like a pro and create monthly surpluses for long-term financial security.

Transform Finances
Step toward financial independence.

Product details

  • ASIN ‏ : ‎ B0BQ9J8FYD
  • Publisher ‏ : ‎ Independently published (December 22, 2022)
  • Language ‏ : ‎ English
  • Paperback ‏ : ‎ 137 pages
  • ISBN-13 ‏ : ‎ 979-8370434303
  • Item Weight ‏ : ‎ 9.3 ounces
  • Dimensions ‏ : ‎ 6 x 0.31 x 9 inches
  • Customer Reviews:
    4.9 4.9 out of 5 stars 19 ratings

About the author

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Thomas Hoy-Nielsen

Thomas Hoy-Nielsen

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I am Tom. A professional aviator and entrepreneur turned financial coach and author. I help individuals and families keep more money and build wealth faster by coaching them on how to save, manage and invest.

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. Payday couldn't come soon enough!

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.

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 different phases of flight, change of direction, and weather systems along the way. The world of aviation holds many lessons and great metaphors, which you will find in my writing.

Customer reviews

4.9 out of 5 stars
4.9 out of 5
19 global ratings

Top reviews from the United States

Kenneth Pearson
5.0 out of 5 stars Parents, Listen Up!
Reviewed in the United States on April 30, 2024
Verified Purchase
This is a perfect book / course for beginners (or those who need a refresher) who have never been taught about the nuances of money.

Hoy-Nielsen refers to a lack of training or teaching in schools, and I believe after reading, this book is accessible to early-teenagers, and a great reference for parents to start teaching their children about money in a structured manner. If integrated early enough into our daily routines, it combats the temptation of our instant gratification culture - high risk, high return - because let's face it, responsible money is boring. Responsible investing is BORING!

This book, however, sets the reader on a trajectory to handle money responsibility. It guides them on a path of understanding the excitement of how our often-overlooked financial decisions can impact our long-term wealth. It sets them up for future study on the topic of finances and encourages independent study on the subject.

Thank you, Thomas Hoy-Nielsen for putting this important book together and presenting it to the world. I highly recommend as a great reference for teenagers, parents, those in the early stages of their careers, and anyone seeking a refresher and accountability partner!

Well written, well organized, well deserved 5-star rating!
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Robert Peters
5.0 out of 5 stars An everyman's guide to personal finance
Reviewed in the United States on February 16, 2024
Verified Purchase
Nielsen manages to include value in his approach for both the novice and those with mid tier experience. I have read some of his recommended reading list at the end, so I was familiar with many concepts, yet he still managed to surprise me with new information, viewpoints, and thoughts on my investments, budgets, and choices. He has a keen understanding, not only of finance but economics, making it a holistically important read. Would recommend for anyone interested in improving their financial position and their life.
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HG238
5.0 out of 5 stars Great book
Reviewed in the United States on April 10, 2023
Verified Purchase
"Household Finance 101: Your Flight Plan to Financial Independence" by Thomas Hoy-Nielsen is a comprehensive guide to managing your personal finances and achieving financial independence. The book covers everything from budgeting and saving to investing and retirement planning, and is written in an easy-to-understand style that makes it accessible to readers of all levels of financial literacy.
One of the strengths of this book is its focus on practical advice and actionable steps. Each module includes a summary at the end which helps the reader connect with the concepts discussed. There is also a whole section dedicated to resources, allowing the reader to dig deeper into areas of specific interest. This hands-on approach makes the book particularly valuable for readers who are looking to make concrete changes to their financial habits.
Another strength of the book is the author's emphasis on the importance of a long-term perspective. Hoy-Nielsen stresses the need to think beyond short-term gains and losses and to focus on building a solid financial foundation that will support you for years to come. This message is particularly important given the current economic climate, which has made it more difficult than ever for many people to achieve financial stability.
Overall, "Household Finance 101: Your Flight Plan to Financial Independence" is an excellent resource for anyone who is looking to take control of their finances and achieve long-term financial independence. The book is well-written, comprehensive, and practical, and is sure to be a valuable addition to any reader's personal finance library. Highly recommended!
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Kindle Customer
5.0 out of 5 stars Absolutely Essential 101 on Personal Finance
Reviewed in the United States on August 3, 2023
Verified Purchase
Clear, specific, and direct, with an optimistic approach to dealing with the challenges that any and all of us can and will face over the course of our lives, with a healthy dose of good humor and lightheartedness along the way.

I can not stress enough how important this book is as an introduction to taking control of your finances. Thomas Hoy-Nielsen not only lays out the practical considerations of household finances, but more importantly, explores and explains a much deeper topic, which is the mindsets and models surrounding money, finances, and wealth.

In my opinion, this is my number one book on the subject at hand, and I recommend it to anyone as a starting point.
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Reason
5.0 out of 5 stars Timely, concise advice to get started on the path to financial freedom.
Reviewed in the United States on March 14, 2023
Verified Purchase
This book is well written and gives a 10,000 ft view of how to arrange your finances. By seeing the entire roadmap you can plot your course towards financial freedom and understand why you're going in the direction you are. The resources section leads you to the tools and information to implement the advice, while not bogging you down with the details during the chapters. It's well organized, which makes it easy to come back to as a reference, as the advice will be useful over this journey that takes many years. I'd buy it again, and will be giving it as a gift to some younger family.
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Kirsten Bjergarde
5.0 out of 5 stars Simple, efficient guide to take control over your money
Reviewed in the United States on February 9, 2023
Verified Purchase
This is a great gift for your son/daughter - or yourself - when just starting out or for when you feel you haven't started at all and can't make ends meet. The author's simple system and advice for how to take control over your money really resonates no matter how much you bring in monthly. "Focus on what you keep, not what you bring in" is explained in a real compelling way with good examples and simple tools for making it work for the reader. Super handy book!
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Mike Dutchy
5.0 out of 5 stars Really good read
Reviewed in the United States on January 11, 2023
Verified Purchase
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.
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Vortmeyer
5.0 out of 5 stars Getting your finances under control!
Reviewed in the United States on January 23, 2023
Verified Purchase
I liked the short', concise, and clear style of the book. It goes straight to the point and makes anyone understanding how planning is important for a healthy financial status.
I already got an individual session with Thomas, and we start established a 5-year plan on which I started working.
It is very exciting, and I love it.
I highly recommend this book for anyone who like me is not very knowledgeable about finances.
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