Blog Archives
Beginning Is The Key Step
Numeral M: Volume II is a practical guide to saving, emphasizing that discipline, structure, and repetition lead to meaningful savings within a year. Who did you have in mind as your ideal reader while writing this book?
My ideal reader is anyone who has a goal or a need to begin saving and requires an avenue or guidance on how to do so. This could be from a young adult, parent begining a savings account for their child, parent starting a college savings account, those saving to purchase a home, seniors saving to add to to their retirement income, someone saving for a wedding, purchase of a car, etc.
Do you personally favor one of the methods, or does it depend entirely on the individual?
I use the weekly technique this is actually how I began savings journey and continue to use it to this day. The techniques in this book will vary based on the individual goal and amount to save.
Many readers face emergencies, fluctuating income, or unexpected expenses. How should they adapt your methods when life doesn’t go according to plan?
When life doesn’t go according to plan start. It doesn’t matter how much you start saving as long as you begin. Beginning is the key step to achievement of your goal.
What does financial stability mean to you personally?
Financial stability in my eyes is having little to no debt and being able to use my funds to bless/help others.
Author Links: Amazon | Facebook
A little about me … I was born and raised in St. Thomas, US Virgin Islands. I have worked in the mortgage compliance industry for over seventeen years, the last two as a Regulatory Analyst and Advisor. I am also certified as a CFCP and a MCPC. Throughout my entire career, I have come to understand that there is such a tremendous need for simplified educational materials as reflected in this book. My readers have requested that I create a simple, easy to understand way to save. This book gives you just that, using actual techniques and numbers. I leave it up to you, my readers, to choose which ones will work for you and go for it.
Remember to discipline oneself and don’t give up!
If this book is able to help just one person, it was worth it!
See you on the next read and many blessings on your savings goal journey!
Numeral M: Volume II
Numeral M: Volume II is a short and practical savings guide built around one central promise: with discipline, structure, and repetition, a person can grow meaningful savings within a year. J. Baptiste lays out three main approaches: the “split it” method, using two savings accounts; the “all in” method, using one account; and a bi-weekly version for readers paid every other week. The book walks through concrete examples, from setting aside $150 per paycheck to reach $7,800, all the way up to $800 bi-weekly to reach $20,800. It’s less a theory-heavy finance book than a steady, plainspoken workbook, one that keeps returning to a simple but demanding refrain: no withdrawals, stay disciplined, and let the numbers accumulate.
What I appreciated most was the book’s emotional simplicity. It doesn’t try to dazzle me with jargon or make saving feel like some elite skill reserved for people who already have money. Instead, it speaks in the language of paychecks, local financial institutions, separate accounts, automatic deposits, and the small private battle of not touching the money once it’s been set aside. I found that reassuring. There’s something almost old-fashioned about the way the author repeats encouragements like “You did it,” “Keep going,” and “Cool Beans.” They gave the book a friendly feel. The “personal fund” advice in the introduction also stood out to me because it acknowledges real life. Haircuts, dinner, nails, movies, and other wants aren’t treated as moral failures. They’re simply things to budget for so the savings account can remain untouched.
The writing is clear, earnest, and deliberately spare. At times, I wanted more depth, especially around obstacles. The book tells readers not to withdraw from savings, but I found myself wishing it delved a little more into the reasons people do withdraw, such as emergencies, irregular income, debt pressure, or sheer discouragement. The ideas are strong because they’re concrete. The book contains an easy-to-follow structure, with each section following nearly the same pattern of deposit amount, account setup, yearly total, and encouragement. That repetition has its own usefulness. The book seems to understand that financial change often isn’t dramatic. It’s boring, rhythmic, and almost invisible until one day the balance has become something real. I liked that the author includes both the “split it” approach and the “all in” approach because it respects different temperaments. Some people need the psychological separation of two accounts, while others will feel calmer with one clean savings bucket.
I found Numeral M: Volume II to be a sincere and highly accessible guide with practical advice. It’s not trying to be a sweeping financial philosophy, and it’s better when read for what it is: a disciplined set of savings exercises designed to help readers see exactly what consistency can create. The book is modest, encouraging, and genuinely useful. I’d recommend it especially to beginning savers, younger adults, paycheck-to-paycheck earners trying to build their first cushion, or anyone who feels overwhelmed by financial advice and needs a simple plan they can actually follow.
Pages: 46 | ASIN : B0FZMS6SGV
