Women may be the great communicators, but given the state of the economy, it’s no surprise that ladies aren’t clamoring to talk about personal finances. And January may top the list of the worst months to come out of the cave of denial as the post-holiday bills start pouring in.

To face your financial statement with less fear, we’ve found three books that mix self-help, financial how-to and a big dose of female sensibility. Each of these accessible books recommends opening up about money, and they give you the advice you need to make the conversations a little easier—whether it’s with your spouse, financial advisor or debt collector.

To get you inspired to take charge of your wealth (start with positive thinking!) in 2010, pick up Live It, Love It, Earn It: A Woman’s Guide to Financial Freedom. Marianna Olszewski, a popular money and lifestyle coach with years of Wall Street experience, writes in an engaging style that educates without being overwhelming.

Olszewski focuses first on maximizing your potential to achieve financial independence by finding balance in all areas of life (diet, sleep, exercise) and adding more fun to the everyday. It feels a bit like you’ve wandered into a “best life” episode of “Oprah,” but it succeeds in energizing and opening your mind to new possibilities. Part two then gets into the financial practicalities of dealing with debt, cleaning up credit and saving for retirement. However, Olszewski goes beyond the basics by coaching the reader on uncovering why and how their individual money histories got them where they are today. She includes activities and questions to defuse emotions around money and even suggests that it’s OK to love money. The personalized “fun spending plan” reframes the money perspective to make it less boring than following a basic budget.

The final strategies focus on action, and the interactive approach helps you make the most of the advice. Whether you do it on your own, inspired by the personal stories from powerful women in the book, or start a group to work on the exercises together, Live It, Love It, Earn It will energize how you think about—and act on—money.

While you’re still feeling empowered, tackle Get Financially Naked: How to Talk Money with Your Honey. This succinct guide teaches women in committed relationships how to talk successfully about money with their mate—without fighting. It’s no surprise that many gals simply avoid this tough conversation, since 85 percent of all couples say money causes tension in their marriage (according to Money magazine). But, while the conversation may not be appropriate for a first date, authors Manisha Thakor and Sharon Kedar say it’s a must to discuss what you own, what you owe, your income and your credit scores before moving in together or getting married. No problem, right?

Start by baring all and getting naked with yourself first, then warm up to doing it with your partner. Helpful “foreplay” questions get the ball rolling, and the financial compatibility quiz is revealing and eye-opening. The authors are refreshingly honest, reassuring the reader that you don’t have to love—or even like—dealing with money to be successful. Their best advice is that personal finance should be simple. Focus on the big stuff: house, car, kids, retirement and family. And the common sense, straightforward advice on these five key lifetime expenses makes it truly seem easy. It’s having the courage to have the “get naked” talk before saying “I do” that is really powerful. The roadmap developed by Thakor and Kedar helps readers navigate these landmine conversations and get to happily ever after.

Another distinctive female perspective on financial independence is A Purse of Your Own. It’s based on a metaphor we can all relate to: an impulsive splurge on a designer bag to fool everyone into thinking we have it all put together. This is what author and wealth coach Deborah Owens calls a “counterfeit purse.”

With 20 years of financial industry experience, Owens turns the purse metaphor into a wealth philosophy and provides tips, action steps and “purseonality profiles” for her seven must-have wealthy habits. It starts with cleaning out that purse to cultivate a Wealthy Outlook that allows you to dream big again. The remaining habits teach the basics of investing, with a heavy focus on owning stocks.

Some of the best advice comes at the end as Owens details how to start your own Purse Club and covers nine “pursessentials. ” The no-nonsense tips on hiring a financial planner, speaking the financial lingo and establishing your daughter’s purse allow you to start putting your new wealth habits into practice with confidence.

Pick up any of these valuable books to start your purse makeover in 2010.

Stephanie Gerber writes from Kentucky, where her purse has turned into a diaper bag.

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