Stacking Dollars
A Personal Guide to Financial Spending
by
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$tack 1 How to save financially…. Step 1. Build your bank account Step 2. Build your self-confident Step 3. Live comfortably within your budget These steps may sound simple to do and for a wealth thinker they will be. However, not everyone will be able to accomplish his or her goals. Here are a few Stacking Dollars secrets. There are 3 steps to achieving a goal or for that matter achieving anything in life. Rule 1. For a person to achieve a goal, you first have to think of an idea. Rule 2. You have to start what it is you want out of life. Rule 3. You have to finish your plan. These steps may sound simple; however, if you knew how many people start things and do not finish you would be amazed. Throughout Stacking Dollars I will be teaching you step-by-step techniques on how to build your bank account, how to build your self-confidence and how to live comfortably within your budget. Some people say that if you think and dream big, then you can make your dreams come true. However, nothing in life is going to poof up. I can sit here all I want and think really hard about having a $3.50 tall carne latté from Starbucks. In my reality I can plan to go to Starbucks in the morning because I know it is in my budget. I cannot sit here and poof up my own Caribbean island or million dollars in my bank account because I do not have it. The idea in life is to plan for what you want and to know only through hard work is anything possible. You have to follow the rules and the second rule is you have to start. There will be channels in anything that is worth having in your life. There is a saying that the devil works his hardest to bring you down when you are achieving something great in your life. The last rule is to finish what you have started. When you are trying to achieve a goal there will be stones and mountains to climb. People say if you dream big then you will have your heart’s desire. This is true only when you know that you have to go out there and first plan and then you have to work hard for what you want. The problem comes in Rule 3: finishing what you start. Some people feel that when they start a goal it is too much work, or it is impossible to achieve because the mountains are too high to climb. $tack 2: Knowing Yourself… History: Knowing where you come from financially means you have to understand your fiscal genetics. I want you to ask yourself a few questions: Is your family good with money? Psychologists hypothesize that from the day we are born we are confronted with a series of challenges and that how we respond to them in certain situations is directly connected to the way our forebears responded to their particular circumstances, behavioral influences that have drifted down through the generations impacting our personality identity. More points to ponder: • What is your gender? (Men and women have difference needs.) • Was your mother or father bad with his finances? $tack 7: The Science Behind Spending… Do you have the habit of buying things you do not need? We would like to believe that we make rational decisions before purchasing something. Therefore, it was interesting to discover that scientists are able to predict whether or not a person is going to purchase an item or leave it. A study has revealed in 2007 that your brain chemistry shows a specific pattern right before you make a purchase. The brain monitoring in the study showed that there are only two factors that truly effect whether or not you will make a purchase and those two things are your desire for the product and its cost. In short, most of our decisions to buy an item appear to be emotional. A group of people were tested to determine our shopping behaviors. The group was given cash and then put into an MRI (Magnetic Resonance Imaging). Once everyone was inside the machine, they were all exposed to a series of images of items. Next, they were given images of the prices of items. (Continued in Book) Color can have a Hypnotic Effect on us: It has been proven that color can influence our mood. Researches have shown that some people will make a decision with one look based on the influence of color alone. Our world is greatly impacted by the use of colors. The meaning of different colors may vary from culture to culture, so I will focus on the meaning of different colors in America. How you see color will affect your shopping behavior and habits. If you are a smart shopper, then little tricks that are used buy a seller will not affect your decision. Color is one of the most powerful elements of design. It is the most powerful method to appeal to a potential buyer. Everything in the world of marketing is designed to draw you in. How Color affects our Shopping Habits: (Continued in Book) Designers from New York to Barcelona, Spain, have figured out the biorhythmic dynamic when it comes to consumer buying color. They have become knowledgeable about the meaning of color. Have you ever noticed that each collection that is designed by a designer is always in sync with the month, year and season? Ladies, have you noticed that we cannot walk past a dress that is fabulous without giving it the twice over and wondering if we should buy it? (Continued in Book) Common Colors That Affect Our Personalities: Green: • Money - an expression of wealth • Luck - the chance events that act upon one’s life Red: • Power - ability to act or produce an effect • Success - outcome or results
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About the Book
The ability to hold the world in the palm of your hands, mentally and financially, is obtained through a comfortable living. Professionals have stated: “To have peace of mind is knowing how to live comfortably with your budget and not your neighbor’s budget.” A well-chosen financial plan and guide will provide structure so that one can live life to his or her own choosing. Stacking Dollars teaches the key to a comfortable lifestyle is to know how to effectively manage basic finances – without regard to one’s current socio-economic status. There is a broad market and demand for self help books in the areas of family life, parenting, and human relations. Stacking Dollars is a combined self - help and how - to book, which is designed for the everyday person who is living from pay check to pay check, and who frequently asks the question: “Why is my bank account always overdrawn?”
About the Author
Courtney Grub’ert is a motivational speaker and author of the financial self-help book series entitled Stacking Pennies. She has recently appeared on the New York’s Time Warner Cable show Inside View, where she was the guest speaker for a 30-minute segment dedicated to a discussion on Stacking Pennies. Her follow-up written work, Stacking Dollars, the highly anticipated sequel in the book series, has been released with critical acclaim. Courtney was born in New York, New York. At the early age of seven, her family relocated to Virginia where she spent most of her young life. Courtney graduated from Norfolk State University with degrees in Architectural Drafting and Building Construction Technology. With her impressive educational background, she has started her career as the owner of a small Architectural firm working with various companies. Although her area of study is in Architectural Design, Courtney has always had a passion for the arts and a talent for oil painting. Gaining local recognition, her paintings are on display at several stores, schools, and church locations throughout Virginia. She has also won numerous awards in martial arts, education and in sports. Placing her physical beauty at the forefront, she has also modeled for various agencies in the Tidewater area and has appeared in a short documentary on the Discovery Channel. For leisure, Courtney loves to travel and discover different cultures around the world. Courtney has experience with helping people overcome life’s challenges. Using her expertise, she has assisted her family and friends by offering innovative solutions for financial and physical obstacles. This additional talent has prompted her to begin writing a series of self-help books – with her first being Stacking Pennies. The success of her first book has led her to completion of the anticipated follow-up, Stacking Dollars.