Power Up: Taking Charge of Your Financial Destiny

Do you want a chance to start over again with a clean slate? Do you want the peace of mind that comes with knowing you're in charge of your financial destiny? If you answered yes to any of these questions, then it's time to Power Up!

Power Up: Taking Charge of Your Financial Destiny

Howard S. Dvorkin

Wiley

2013

Abstract

A proven survival guide for these economically rocky, debt-ridden times
Millions of people suffer financial hardship due to job loss and a variety of other factors. What you need to do in order to take control of your financial destiny includes changing the way you confront and deal with everyday pressures related to shopping, advertising, credit cards, keeping up with the Joneses, and spending money.

In Power Up, Howard Dvorkin—founder of Consolidated Credit Counseling Services—draws on his years of experience helping thousands of people overcome devastating financial hardship. He provides you with time-tested strategies and powerful tools to rebuild your financial life on a solid and enduring foundation. Besides discussing guidelines for creating a realistic budget and sticking to it, Dvorkin also shares tips on how to learn to live without credit cards—and love doing it—as well as puts you in a better position to understand the difference between what you want and what you need.

Filled with effective budgeting tools, worksheets, and other valuable forms
Provides a look at the tricks that lenders and credit card companies use to make you a slave to debt
Offers ideas on how to redirect your urge to shop into activities that satisfy your deeper needs and methods to improve your fiscal psychology
Contains priceless advice on how to educate your kids about money and personal finance
Do you want a chance to start over again with a clean slate? Do you want the peace of mind that comes with knowing you're in charge of your financial destiny? If you answered yes to any of these questions, then it's time to Power Up!

TABLE OF CONTENTS

• Chapter ONE The Path That Led You Here

Who the Heck Are the Joneses, and Why Are You Trying to Keep Up with Them?

Adding to the Cart

Emotional Buying

Buying What You Can’t Maintain

The Influence of Advertising

• Chapter TWO Start to Become Empowered

Crafting a Budget

Examples of Budget Sheets

Worksheets for Expenses

Fixed Expenses

Flexible Expenses

Discretionary Expenses

Time to Calculate

The Frugal Philosophy

• Chapter THREE Discovering a New Outlook on Life and Money

Identify Your Values: Work, Friends, and Family

The Value of Money

The Value of Living for Tomorrow

• Chapter FOUR Staying on the Right Path

Find a Hobby

A Life without Credit Cards

Differentiating Needs from Wants

• Chapter FIVE Teach Your Children Well

Talk to Your Kids about Money

Kids and Values

Prepare Your Teenagers

• Chapter SIX Introduction to Banking

Choosing a Bank

Credit Unions

Types of Accounts

What Is a Check?

How to Open an Account

Electronic Banking

Types of Loans

Investing Your Money

Mutual Funds

• Chapter SEVEN Continuing on Your Financial Freedom Quest

Find Your Green

It’s Time to Step Out on Your Own

GLOSSARY

Citation

Howard S. Dvorkin, Power Up: Taking Charge of Your Financial Destiny,Wiley, 2013

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