MONEY STARTS HERE! Your Practical Guide to Survive and Thrive in Any Economy
Money is a fact of life—something we all have to deal with on a daily basis. Yet most of us never officially learn how to handle it. We go to work, get our first paycheck, and start spending the money we worked so hard to earn. We rarely master the basics we need to become financially successful: how to budget, review bank account and loan documents, manage our credit score, get financially organized, and save money in everyday ways. Wouldn’t it be great if you had an easy-to-use reference guide to financial success?
Money Starts Here! will help you:
- Strategically get and stay out of debt
- Get the best deal on just about anything
- Know what important questions to ask when you open a bank account, sign loan documents, or shop for a credit card, so no one can take advantage of you
- Improve your credit score and help you avoid identity theft
- Figure out how much you should save and spend each month, so you can cover emergencies and increase the amount you save for retirement.
Money Starts Here! offers invaluable, straightforward advice in one short book that’s packed with real-life examples. Just one helpful hint from the chapter on money-saving tips could save you hundreds of dollars this month. And if you’re planning to make a major purchase or open a bank account in the next 12 months, you need to read Money Starts Here! first.
Author and speaker Denise Winston is a real-world financial expert whose savvy with money earned her a tribute in Reader’s Digest’s “Cheapest People in America.” A streetwise 25-year veteran banker who began living on her own at age 16, Denise is uniquely qualified to teach you what you need to know about money. So if you’re tired of all the get-rich schemes out there and want real, simple, and effective ways to deal with money in everyday life, join the millions of people Denise has helped.
The best investment you can make right now is in yourself. Money Starts Here! Your Practical Guide to Survive and Thrive in Any Economy is your handbook to play the financial game of life—and play to win.
MONEY Start Here – Raising Financially Smart Children
The DVD & Workbook For Parents
To all you parents out there (just like me!)… how would you like to give your kids a gift that will keep on giving the rest of their lives?
One that is not only going to save them heartbreaks and problems, but you as well?
Well then, my “MONEY Start Here – Raising Financially Smart Children” DVD is just what you need!
This information-packed presentation is going to help you help your children understand, use and manage money far better than anything else you’re going to find in the bookshops or on the web.
The DVD and workbook are filled with fun activities for you and your child (ages 5-18) – building a solid financial foundation that will last them a lifetime. It’s never too early or late to start building their financial foundation.
The sad truth is this: Kids today have little clue about the value of money– or effectively using it in day to day life. The reason? They’ve simply never been taught. This is truly a puzzle, because schools seem to stress every other sort of program, except the one that’s going to be with them every day of their lives: Managing Money!
Just look at all the topics we’ll be covering…
- Financial Organization – Start your children off on the right foot by establishing good financial organization habits. (Can you imagine how much money you could have saved if you would have been financially organized early in life!)
- Get your children involved with how much things actually cost. Not only will they begin to appreciate the true value of money, but they’ll also appreciate the responsibility involved with managing it.
- Allowance – Properly budgeting money is a skill every kid should learn. Learn how much money your children should have, then help them in managing their allowance, stretching each dollar to the max. These skills will also help with self control, responsibility, goal setting, self respect, decision making… all the things you as parents want for your kids!
- Banking – Teaching your children about banks is a great way to help them understand how money works. Money sitting in a drawer collects dust. Money sitting in a bank collects more money. Also show them that all those “conveniences” such as ATMs and banking fees can be mighty pricy at the end of the month! Checking accounts, stocks, investments… we cover them here.
- Credit – One of the most important lessons in managing money is the proper use of credit. Many kids seem to think credit cards are some sort of instant gratification reward. That is, until you show them that building good credit is one of the best ways for achieving financial independence. Uncover the tricks of the trade in keeping your kids savvy about using credit cards wisely.
- Car – Few things mark a right of passage in a kid’s life like learning to drive. Follow along with me as I explain how to make getting their first car a money learning experience – starting when they’re as young as 13!
- Job – Eventually your children are going to enter the world of working for a living. As parents, there’s so much we can do years beforehand to make sure they succeed when going for that 1st real interview – making them the top qualified job candidate – and experiencing the pride in earning their own money!
- The Parent Workbook – All the major points covered in the video presentations you’ll also find here – including credit & car spreadsheets, fill in the blanks budget forms, allowance worksheets, a sample résumé, interview questions… and more!
Contents
Disc I » Presentation DVD
Denise shows you how to teach your kids the basics, step by step.
- Introduction
- Financial Organization
- Allowance
- Banking
- Credit
- Automobile
- Jobs
Total run time: Approximately 1 hour
Disc II » Workbook CD
Apply your new skills using this hands-on booklet. The PDF file contains practical exercises and worksheets to print as you go.
- Allowance Guidelines
- Easy Budget Breakdowns
- Q&A for Banking and Insurance
- Quick Checklists and More!
Money Start Here – Your Fast Track To Getting The Best Job And Dealing With Money For The Rest Of Your Life!
The DVD Series For Teens & Young Adults
Are you the parent of a teen? Then you know, it’s not easy trying to instill new habits in them. In fact, as I found out – at times it’s darned near impossible. Kids at this junction just don’t listen to a parent’s advice. It’s all part of growing up.
But if they hear something from someone outside their “authority danger zone” it’s far more likely they’ll sit up, pay attention and act on good advice. That’s where I come in. Young adults can relate to my living on my own at 16, and my story allows me to connect quickly and easily with them on a one to one level.
When you’re young, the whole world seems filled with limitless possibilities. But one thing I can promise you – the years will continue to pass. The good habits your kids establish now will help fast-track them to financial success. It’s easy for them to avoid many of the common mistakes people make about money – if you can just have them learn some simple tools. And you can!
Broken down into “Work” and “Money,” think of this DVD Series For Teens & Young Adults as advice from one of your children’s older and most trusted friends. The truth they hear may be a bit uncomfortable, but the consequences of poor work & financial decisions… well, they can be downright devastating.
Let’s take a closer look…
Work Presentation
First impressions, wardrobe, grooming, résumé, relationships at work, interacting with others, effective communication… there’s so much to learn, and the choices made here will affect whether your kids get the job, get promoted, and advance in life… or find themselves in a dead end position with little hope of achieving their dreams.
I’m going to take them by the hand, guiding them through the practical, down to earth actions that can and should be taken for turning any job situation into a stepping stone to a better life. I’ll be talking specifics, not clichés.
It’s one thing to say “just bake a cake from scratch.” If someone’s never done it before, they’ll more than likely give up before they start. They probably don’t even have the tools, much less the skill!
But it’s a whole different ballgame if I let them in on the specific(and some secret!) ingredients, the precise measurements, the right cooking time &temperature – and my insights and help in putting it all together.
That’s what I do in the work and job presentation section. Your kids will learn:
- How to dress,
- How to properly present themselves,
- How to ace the interview process,
- How to make themselves a star in the boss’s mind… and tons more!
They’ll also learn the darker side of work life – like in:
- Stupid reasons to get fired. Yes… young adults do dumb things. I’ve hired and unfortunately fired more young people than I care to recall. I’ll be pointing out what those dumb things are, so your child can avoid them at all costs!
Money Matters
Why do people go to work? Well, making money is a big reason! In this money section, we’ll be covering both the basics and essentials of effective money and credit management.
- Money & Banking
- Credit
- Budgeting
- Financial Organization…
- and more!
Workbook DVD
Of course, you’ll also be receiving my comprehensive workbook DVD – letting you and your child view and print out all the important spreadsheets, worksheets, clothing tips, financial management instructions… all the crucial stuff talked about in the video presentations.
Special Hint: I recommend that you as parents purchase the DVD, then reward your kid with 10-20 bucks an hour – asking for a quick report on each section in return. Hey – you’re going to be giving your teen the money anyway – so why not make it count?
Disc I » Presentation DVD
Easy-to-follow tips for getting and keeping jobs and dealing with money Part I: Work
- Introduction and good advice
- What to wear
- Job interview
- Stupid reasons to get fired
- Work kit
- Part II – Money
- Money and banking
- Credit
- Budgeting
- Financial organization
- Wrap-up
Running time: About 2 hours
Disc II » Workbook CD
Apply your new skills using this hands-on booklet. The PDF file contains practical exercises and worksheets to print as you go.
- Wardrobe basics checklist
- Sample resume
- Application cheat sheet
- Interview questions
- Banks, cell phones and paycheck stubs
- Credit score and credit card evaluation
- Shopping lists and menu planner
- Tracking daily spending
- Budgeting
- Step-by-step financial organization system
