As a student you usually have limited income in the form of an allowance. Thru TV and all the advertising we are exposed to, it's no surprise that we are all influenced to be an "instant gratification society". No matter if we have $10.00, $100.00 or a $1,000.00 we want to go shopping but usually have a list of things to buy longer than our current funds. We spend it all now then we're broke and out of money till the next delivery of cash into our life. Later in life, we'll have credit cards and handle them the same way. Spend it all, make minimum payments and look for another company to offer us a new card. This is how we get sucked into the "live beyond your means financial cycle" and owe all our weekly income to credit card payments and other bills and end up with no discretionary (free) funds left over for the extras we want in life. We can never get ahead financially because we're always in debt, and behind a payment or two. Most young people will ruin their credit by age 25-30 or are already heavily in debt at that age. They will start their young adult life treading water financially and usually end up declaring bankruptcy to resolve the issues. Unfortunately, this is usually at the age where the first pivotal point in life occurs, the transition from childhood responsibilities to adult responsibilities, where you are usually getting married and having a family. With no credit, bad credit or a bankruptcy in your financial pocket, succeeding in this stage of life becomes very difficult. You, however, will not have this experience because of the skills you will learn in this training manual. Your finances will always be under your control and money and credit will be a tool to having everything you want and not the other way around.
About the Author: My 15 years of financial services to families started with structuring Living Trusts and pre planning final expenses then expanded to include life insurance products and intensive training in financial planning for risk free cash accumulation with tax free access at any age. During this time I found that most women, under normal circumstances, were unprepared to handle family finances and structure financial security for the future. I also saw that the situation became exponentially worse if the woman was in crisis mode due to a divorce or death of a spouse. I began to realize that it was my mission in life to share my knowledge and help train women in financial literacy that would result in personal and/or family financial security. I began by designing training manuals that would build a financial core in steps over time. As I worked thru the concepts for the material I realized that training early in life would yield lifelong benefits and that other strategies could be added as individual circumstances changed over time. After evaluating my idea, I found that teaching a workshop would be too localized and reach too few women to really effect a generational change in skills, a paradigm shift, consequently, I decided to put the training into a book. Needless to say, one book became 6 training manuals geared to life circumstances and thus, The Wise Woman's Academy was born. Our sole purpose is to train women of all ages and skill levels the facts they need to be financially savvy and secure. Our partnership with Amazon.com assures that this information is available to any woman anywhere in the world. Join us to become financially proficient and the master of your personal financial destiny and Remember: Never put the keys to your financial success in someone else's pocket!