The Difference Wealth-Building Journal: Discover How You Can Prosper in Even the Toughest Times

I have recently become single at sixty. I did not the books for the family, but that is different because I am on a fixed income and need to watch my pennies. This journal really helped me hon down what I needed to do.

Lots of Good Common sense in uncertain times. Provides additional food for thought to make better decisions. Her examples of common folk make good decisions for financial security reassures all of us that we do not have to be behind financial 8 balls unless we choose to.

Building personal wealth can be learned - that's the premise of The Difference Wealth-Building Journal. This is a powerful "hands-on" journal/workbook that is geared toward showing you how to build the day-to-day successful habits of financial freedom. I've learned that the best way to acquire knowledge in the shortest period of time is to follow those who have the wisdom and experience to save us time, energy and money. The Difference Wealth-Building Journal can do all that! This hands-on step-by-step journal can show us how to practically acquire financial freedom. Taken from the cover: "Realize your life goals - overcome setbacks - with powerful planning exercises." This journal is the companion to the book The Difference: How To Prosper In Even The Toughest Times. I believe this journal is also a standalone book that can be used to support and even direct our financial successes. I recommend reading the book and using the journal together - although in reviewing the journal I found it could be helpful all by itself. What caught my eye and held my attention were the statistics on the first page of the introduction: 3 percent of Americans are wealthy 27 percent are financially comfortable 54 percent live paycheck to paycheck 15 percent are the "further-in-debtors" Here is a hands-on workbook that has the potential of taking you to the wealthy 3 percent strata of Americans if you're willing to read, learn, chart and apply the advice of Jean Chatzky. The author tells us, that through her research she has found the personality traits, habits and financial beliefs that separate the wealthy from those sinking further into debt. This "journal" is a true journal - one you can date, write in and keep track of your "aha's" and financial progress. It's a spiral workbook so you can lay it out flat to write easily. Each chapter is designed to teach the success traits, habits and beliefs of the wealthy. It is up to you to make the decision to apply "The Difference" and change negative financial habits into more positive ones. Each chapter is designed to lead into and work with each of the other chapters. It is the synergy of reading and working the chapters that can lead to the new financially empowered attributes. Here is a summary of the chapters: Chapter 1 - "Attribute Focus: Saving" How spending more than you make is as bad for you emotionally as it is financially. Chapter 2 - "Attribute Focus: Investing" Steps for bringing your investment plan to life. Chapter 3 - "Attribute Focus: Drive" Knowing what you want and plotting a course to achieve your goals. Chapter 4 - "Attribute Focus: Hard Work" How to make the most of money making hours and opportunities. Chapter 5 - "Attribute Focus: Passion and Curiosity" The importance of finding your "calling" in life. Chapter 6 - "Attribute Focus: Connectedness" Making the right connections to increase your wealth potential. Chapter 7 - "Attribute Focus: Optimism" Bottom line - optimists make