20 Best Money Tips from #GIRLBOSS That Will Catapult You to Financial Success

girl_boss_book_sophia_amorusoWhen I first heard about the book #Girlboss, I got excited about reading the biography of Sophia Amoruso, the founder of online retail empire Nasty Gal and GirlBoss Media.

In her book, Sophia gives advice about business, career and how to get what you want. Don’t be fooled by the title. This book is more than just career and business advice; it also offers practical money tips and nuggets of financial wisdom that will propel you to financial freedom if you pay heed to them.

I have just finished reading the book for the second time. It is very inspiring and contagious. But don’t take my word for it. Read on for the best money quotes and financial nuggets that will help you take charge of your finances today.

1. “Treat Your Mind Like Money; Don’t Waste It”

girl boss book Sophia Amoruso“Focus on the positive things in your life and you will be shocked at how many more positive things start happening”.

2. “Money Spells Freedom

“If you learn to control your finances, you won’t find yourself stuck in jobs, places or relationships that you hate just because you can’t afford to go elsewhere”.

Related: Do You Really Want To Be Financially Free?

3. Learn How To Manage Your Money

girl boss book Sophia Amoruso“Learning how to manage your money is one of the most important things you’ll ever do”.

4. You Must Take Charge Of Your Finances

“Being in a good spot financially can open so many doors. Being in a bad spot can slam them in your face”.

5. Be Credit Smart

girl boss book Sophia Amoruso“I have learned the hard way that you can ruin your credit in one seemingly responsible afternoon, but rebuilding it takes years”.

Related: 10 Tips to Improve Your Credit Score

6. Stay On Top Of Your Bills

“It is the little things that can and will wreck your credit. Parking tickets can end up costing you thousands of dollars and court dates”.

7. “Do Not Spend More Than You Have”

girl boss book Sophia Amoruso “Cash is King. It is so simple, yet so difficult for people to understand. Do not spend more than you have”.

8. Be Careful To Avoid This Pitfall 

“Another big no-no is increasing your spending as soon as your income increases”.

9. Time is Money

girl boss book Sophia Amoruso “When you spend more time making more money significantly greater than the time spent in spending it, you will be amazed how much you can save”.

 10. Take Responsibility For Your Own Life 

“Forcing me to figure out how to provide for myself was probably one of the best things my parent ever did for me”.

11. Save and Invest Instead of Heading to the Bar or Prada

girl boss book Sophia Amoruso“Instead of buying out the bar or heading to Prada, I started saving and investing every cent. As much as I liked the shoes I could afford, I liked having the money more”.

12. The Best and Easiest Way to Save Money

 “Treat your savings account like just another bill. It has to be paid every month or there are consequences. Have a portion of your pay check automatically diverted into a savings account. Once it’s in there, forget about it. You never saw it anyway”.

Related: One Piece of Personal Finance Advice Every Woman Ought to Know

13. “You Should Save 10 Percent At The Bare Minimum”

girl boss book Sophia Amoruso “But you, dear #GIRLBOSS, should save 10 percent at the bare minimum. I know it is a lot easier to talk about money than to actually save it”.

Related: Why You Should Save Before You Spend

14. A Must-Read Personal Finance Book

“One of the best books I’ve read was George S. Clason’s The Richest Man in Babylon, which offers financial advice in a collection of parables”.

Related: The 10 Best Personal Finance Books Every Woman Needs to Read

15. Learn to Separate Your Money From Emotions

girl boss book Sophia Amoruso“The first piece of advice I can give you is to learn to separate your money from emotions as much as you can possibly can. Whether someone is asking you for money, you’re asking someone else or contemplating a significant purchase”.

16. How To Stop Buying ‘Stuff’

 “Just imagine that those new shoes were actually made out of $20 bills. That is because money looks better in the bank than on your feet. Spend money because it’s an investment in your well-being, nothing because you are bored and have nothing else to do”.

17. Live Within Your Means

girl boss book Sophia Amoruso “Don’t live like a CEO when you’re still a sandwich artist”.

Related: How to Save More Money and Spend Less

18. Talking About Money and Haggling is a Good Thing

 “Too many people, talking about money is awkward. From haggling the price of a sweater to negotiating with investors, talking about money doesn’t bother me. Those seemingly insignificant tiny discounts had made a material difference and I could put the money I saved towards something else”.

Related: We Need to Start Talking about Money!

19. Always Ask For What You Want

girl boss book Sophia Amoruso“If you are frustrated because you’re not getting what you want…, ask for it….stop complaining. You don’t expect the world to read your mind”.

20. How to Ask For a Pay Raise

“It pays to be as unemotional as possible when asking for a raise. If you can articulate the reasons why you deserve a pay increase, then schedule a time to meet with your boss and let her know in advance what you want to talk about”.

Related: How to Confidently Ask for More Money or a Promotion

Want some more awesome tips? Grab yourself a copy of the #GIRLBOSS book by Sophia Amoruso here. Trust me, you won’t regret it.
















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  1. I love the first point ‘Treat your mind like money, don’t waste it’ – such an important point I hadn’t really thought of before!

  2. I recently learned a tip which works for me. Think of something BIG that you are saving for – holiday, deposit for a house, whatever. Then, whenever you buy something, think ‘Is this purchase worth taking £20 away from my holiday?” Almost always, the answer is no. Really helps focus the mind!

  3. Wow, what a great perspective and tips. I have always been careful with my money (maybe too careful) and agree that we should never spend more than we have. Definitely a lot to think about here!

  4. I wish I read this tips in my mid-twenties! Now I’m nearly 30 I’m only starting to get a grip on my finances so these little bits of advice are so helpful!

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