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Your Money Relationship

Your Money Relationship

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Your Money Relationship

96 página
46 minutos
Jul 9, 2013


Do you know the emotional roots of your money management habits and why you overspend and “under-save?" Your Money Relationship isn’t just about saving and budgeting: this e-book is designed to help you understand why you do the things you do and provides you with assistance to finally manage your money more effectively.

In Your Money Relationship, you’ll discover:

•The differences in mindsets between those who have money in the bank and those who live paycheck-to-paycheck,

•Where you obtained your financial education and how it’s working (or not working) for you,

•How to be more conscious about what you do with your money,

•Your relationship with money and how you can change it to achieve positive results,

•Strategies to ensure your kids develop healthy relationships with money, and

•Suggestions for how to make more money and creatively save more.

Jul 9, 2013

Sobre el autor

Rita Chaney grew up in Decatur, Illinois in the midst of corn and soybean fields. She is the youngest of six children and has four sisters and one brother. Her siblings kept her busy playing tag, baseball, and hide-and-seek during the summers and having snowball fights in the winters. Reading books as a youngster was a favorite pastime for Rita. She was especially pleased when her father brought home a stack of comics from the second-hand shop downtown. Rita’s writing skills were first noticed by friends and family when she won second place in a short-story writing contest sponsored by the local newspaper as a sophomore in high school. Rita attended Millikin University where she earned a bachelors’ degree in Psychology and Sociology. She subsequently was awarded a masters’ degree in Clinical Psychology from Illinois State University. Serving as a counselor/therapist in the mental health field for over 25 years sharpened Rita’s clinical skills and penchant for details. Her desire to produce non-academic writing pieces increased after college, so she began writing for Yahoo and other websites. She was eventually recruited to ghostwrite web content, including articles and e-books. Rita has recently written e-books published using her own name and has plans to write (at least) a few more of them covering a wide range of topics. Rita and her husband, Bill, reside on the Southwest Gulf Coast of Florida where they walk, spend time with family, and dream about writing the great American novel.

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Your Money Relationship - Rita Chaney

Your Money Relationship:

Is it Time for a Change?

Rita Chaney, MS

Text copyright © 2013 Rita Chaney

Smashwords Edition

All Rights Reserved

Book Cover Art by © Cammeraydave | Dreamstime.com

This e-book is licensed for your personal enjoyment only. This e-book may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

This book is dedicated to all people who strive to make enough money to support their families, educate their kids, and pay the bills on time. May they successfully learn how to change their relationships with money so they can occasionally take a vacation, buy their dream homes, and live the retirement they desire.

Table of Contents

Chapter 1: Different Mindsets: People with Money in the Bank vs. Living Check-to-Check

Chapter 2: Everyone Obtains a Financial Education Somehow

---Where Did You Get Your Financial Education?

---Grade School Math

---High School Courses

---College Coursework


---Independent Study Efforts

Chapter 3: How is it Working for You—Was Your Early Financial Education Helpful?

Chapter 4: Be Conscious of What you do With Your Money

Chapter 5: What you Believe About you and Your Money

Chapter 6: How is Your Relationship With Your Money?

Chapter 7: Your Money Relationship Checklist

Chapter 8: Changing Your Relationship with Money

---Get Education or Training

---Establish a Career in an Area that Interests You

---Live Beneath Your Means

---Save 25% to 50% of Your Income

---Develop Alternative Income Streams

---Compound Interest—The Real Reason to Save

---Passive Income

---Be Entrepreneurial

Chapter 9: How You Spend Money is a Clue to Your Money Relationship

---Before I Buy Questions

Chapter 10: Strategies to Ensure Children/Teens Develop a Healthy Relationship with Money

---Encourage Kids to take Middle School and High School Coursework offering Personal Finance Information

---Investigate the MoneySKILL Online Course

---Institute a Work for Money System in Your Home

---Give an Allowance to Teach Kids How to Save and Spend Money

Chapter 11: How to Make More Money

Chapter 12: Creative Ways to Save

---Miscellaneous Financial Tips


Note from the Author

Monthly Budget Form

About the Author

"Money will come when you are doing the right thing." ~Mike Phillip


Have you ever considered that believing you have money isn’t so much about earning lots of money as it is about how you relate to and feel about it? And if that’s true, then thinking you’re poor is also a result of your relationship to the almighty dollar. Many people choose to believe certain facts about their money and how they manage it. Living a life that’s free of worries and anxieties about money is possible, if you remove all mental obstacles and develop, once and for all, a healthy relationship with your finances.

Subjects Covered in this Book

This book will educate you about the different ways people feel about, think about, and relate to money. It will encourage you to reflect on where you learned about money management and to be more conscious about how that education affects the ways you handle your dollars today.

You’ll learn about developing awareness and a keen consciousness about how you manage money and identify what you believe about it. I’ll ask you to reflect on your relationship with your finances and give you some ideas about how to change that relationship for the better. In terms of your spending habits, you’ll be prompted to take a look at how you spend your hard-earned cash and I’ll suggest what to consider before making a purchase.

You’ll learn how to work to change your beliefs about yourself in relation to your dollars. And I’ll educate you about how to recognize challenging patterns in your thinking when it comes to your finances. Doing all these things will help you ultimately alter an unhealthy relationship with money for the better. If you put your mind to it, you can enjoy a healthy money relationship and live a life of accomplishment, security, and joy.

Chapter 1: Different Mindsets: People with Money in the Bank vs. Living Check-to-Check

Have you ever known a couple who consistently complain, We don’t have any money? A hypothetical couple, Darcy and Dan, state to their friends, Sue and Sam, Gosh, you’re so lucky to be taking a trip. We can’t afford a vacation. Yet your observation of Darcy and Dan is that they’re driving newer, gas-guzzling cars, spending money every month (or week) to buy the latest clothes and eating out three or four times weekly. Each family member in Darcy and Dan’s house, including their eleven-year-old son, has his own computer. They consistently have the latest thing in technology.

In fact, everything you’ve noticed about Darcy and Dan makes them look like

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