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(More customer reviews)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 more money.
Chapter 8 - Attribute Focus: Resilience"
Wealthy people triumph over setbacks.
Chapter 9 - Attribute Focus: Gratitude"
Saying thank you is a powerful financial success tool.
If you are a visual "hands-on" learner who enjoys the connection between reading, writing and applying what you're learning, then this workbook/journal is ideal for you. The Difference Wealth Building Journal can help you Discover How You Can Prosper in Even The Toughest Times by Jean Chatzky is a well written and well rounded guide to increasing your financial freedom. I highly recommend!
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The Difference Wealth-Building Journal: Discover How You Can Prosper in Even the Toughest TimesDuring tough times, what's the difference between those who survive . . . and those who thrive?Through her groundbreaking research of the wealthy, trusted financial coach Jean Chatzky has identified the traits and habits of those who have moved from the lowest economic strata to the highest. The good news: These attributes, beliefs, and behaviors are all things you can learn. The Difference Wealth Building Journal is designed to help you take a close look at where you are now and provides a series of exercises to get you where you want to go. As you complete this journal, you will:•Take control of your spending (and find the cash to fund your dreams)•Overcome typical investment anxiety with a simple step-by-step plan•Break down long-term financial goals into manageable pieces•Evaluate your sense of optimism, resilience, and connection to others (and learn how these personality traits lead to wealth)•Discover that feeling grateful is the fastest way to feel richAs you'll see, the difference is within you: You have the power to determine your financial future and make strides toward the next level of wealth.
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