"The Honest Guide to Facing Your Finances" Helps Readers Understand Net Worth and Set Financial Goals
Salt Lake City, UT, June 19, 2015 (Newswire.com) - In her first book, author Cindy Holtom offers up a concise guide to understanding personal finance and overcoming barriers to income potential.
More than just a list of rules or action steps, this book attempts a deeper look at how money is functioning in it's readers lives. Readers are taught how to build a strong financial foundation through income evaluation and expense management before accelerating wealth through long term saving and investment strategies.
"There are a lot of books out there that hit you over the head with inflexible one-size-fits-all themes like "Never go into debt" or "Cut up your credit cards" when there are perfectly reasonable and responsible ways to use debt. I enjoyed the applicable reality-based advice in this book. It explains how to make decisions about when to borrow, when to invest, when to spend, and how to tailor those decisions for your specific situation. By the end, you haven't been lectured about anything. You've been given tools to make better decisions and understand their likely costs and benefits. Cindy Holtom respects her reader enough to provide tools and advice without condescension. I wish more authors had this skill and approach."
Mike Schmidt, Amazon Review
"The Honest Guide to Facing Your Finances" begins by walking it's readers through the creation of their own personal financial statement to paint a complete picture of what is happening in their financial lives. What follows is a series of simple exercises to understand net worth, evaluate where money is flowing, and create a custom plan for financial success. The evaluation breaks up expense types to aid readers in understanding their true cost of living and how that compares to their income. If income does not exceed cost of living then the first financial goal must be increasing income.
In an era of increasing job instability and a struggling middle class, author Cindy Holtom writes a responsible and honest guide to personal finance. She respects her readership by teaching them how to take control of their financial lives, customize their goals and create the life they desire.
"The Honest Guide to Facing Your Finances" is sold by Amazon Digital Services, Inc. and is available at http://www.amazon.com/dp/B00USVQXCU.
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