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Let's Talk About Finances

Greetings! Let me let you in on a little secret – there is no "secret" to paying off debt. The facts are, to pay off debt you would need to decrease your spending and/or enhance your income, while making good financial decisions along the way that will benefit versus harm your credit. That is the trick! Financial wellness starts in the mind. However, financial wellness does not take place in isolation from other areas of your life. When managing finances, it is critical to consider the multiple systems, as well as economic and social inequalities, that influence your financial decisions, beliefs, feelings, and practices with money, as well as your future intentions – in other words, what you would like to change or enhance about your financial habits? What types of financial “pivots” do you need to make? Guess what? This book is not just for social workers, it can be a great support to anyone seeking to begin on their path to financial wellness. 


Book Reviews! 


This was an awesome book. It was packed with so many gems and you are sure to learn so much from reading it. No matter your age you can gain some type of knowledge from this incredible book. Most of us were never taught about financial literacy so to be able to find an easy and informative read on financial literacy is like a breath of fresh air and so needed for the culture! The way the book is broken down, and holds your hand throughout the entire read. Sometimes finances can bring on anxiety, but Dr. Hardy had found a way to teach about financial literacy in a way that makes the reader feel not only comfortable but confident in what they are reading as well. You won't be disappointed!


This is a must have! The way Dr. Hardy approaches managing finances from a psychological standpoint helps to guide the reader right into that next phase(s) of their journey to financial wellness. The interactive exercises are golden! A great read for anyone, but it can also double as a great tool for social workers who assist clients with case management related tasks surrounding finances. 

I have only read the first chapter and I've already learned so much! Dr. Hardy, thank you for not only discussing the financial plans but also including the disparities and inequalities many of us have faced and how to properly get on the correct path! More importantly thank you for mentioning tithing! I'm excited to continue reading this book! 


Motivating! This book helps to increase self-awareness. Exploring how we reached our current financial situation, providing us with knowledge and actionable tasks to get us closer to financial wellness. I CAN DO THIS, WE CAN DO THIS, financial freedom here we come!

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