{"product_id":"power-up-isbn-9781118731499","title":"Power Up","description":"\u003cb\u003eA proven survival guide for these economically rocky, debt-ridden times\u003c\/b\u003e  \u003cp\u003eMillions of people suffer financial hardship due to job loss and a variety of other factors. What you need to do in order to take control of your financial destiny includes changing the way you confront and deal with everyday pressures related to shopping, advertising, credit cards, keeping up with the Joneses, and spending money.\u003c\/p\u003e \u003cp\u003eIn \u003ci\u003ePower Up\u003c\/i\u003e, Howard Dvorkin—founder of Consolidated Credit Counseling Services—draws on his years of experience helping thousands of people overcome devastating financial hardship. He provides you with time-tested strategies and powerful tools to rebuild your financial life on a solid and enduring foundation. Besides discussing guidelines for creating a realistic budget and sticking to it, Dvorkin also shares tips on how to learn to live without credit cards—and love doing it—as well as puts you in a better position to understand the difference between what you want and what you need.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eFilled with effective budgeting tools, worksheets, and other valuable forms\u003c\/li\u003e \u003cli\u003eProvides a look at the tricks that lenders and credit card companies use to make you a slave to debt\u003c\/li\u003e \u003cli\u003eOffers ideas on how to redirect your urge to shop into activities that satisfy your deeper needs and methods to improve your fiscal psychology\u003c\/li\u003e \u003cli\u003eContains priceless advice on how to educate your kids about money and personal finance\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eDo you want a chance to start over again with a clean slate? Do you want the peace of mind that comes with knowing you're in charge of your financial destiny? If you answered yes to any of these questions, then it's time to \u003ci\u003ePower Up!\u003c\/i\u003e\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eINTRODUCTION ix\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter ONE The Path That Led You Here 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWho the Heck Are the Joneses, and Why Are You Trying to Keep Up with Them? 4\u003c\/p\u003e \u003cp\u003eAdding to the Cart 7\u003c\/p\u003e \u003cp\u003eEmotional Buying 10\u003c\/p\u003e \u003cp\u003eBuying What You Can’t Maintain 12\u003c\/p\u003e \u003cp\u003eThe Influence of Advertising 14\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter TWO Start to Become Empowered 23\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCrafting a Budget 26\u003c\/p\u003e \u003cp\u003eExamples of Budget Sheets 27\u003c\/p\u003e \u003cp\u003eWorksheets for Expenses 28\u003c\/p\u003e \u003cp\u003eFixed Expenses 28\u003c\/p\u003e \u003cp\u003eFlexible Expenses 32\u003c\/p\u003e \u003cp\u003eDiscretionary Expenses 34\u003c\/p\u003e \u003cp\u003eTime to Calculate 37\u003c\/p\u003e \u003cp\u003eThe Frugal Philosophy 39\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter THREE Discovering a New Outlook on Life and Money 47\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eIdentify Your Values: Work, Friends, and Family 50\u003c\/p\u003e \u003cp\u003eThe Value of Money 61\u003c\/p\u003e \u003cp\u003eThe Value of Living for Tomorrow 64\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter FOUR Staying on the Right Path 67\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFind a Hobby 70\u003c\/p\u003e \u003cp\u003eA Life without Credit Cards 78\u003c\/p\u003e \u003cp\u003eDifferentiating Needs from Wants 82\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter FIVE Teach Your Children Well 109\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTalk to Your Kids about Money 112\u003c\/p\u003e \u003cp\u003eKids and Values 118\u003c\/p\u003e \u003cp\u003ePrepare Your Teenagers 121\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter SIX Introduction to Banking 129\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChoosing a Bank 133\u003c\/p\u003e \u003cp\u003eCredit Unions 135\u003c\/p\u003e \u003cp\u003eTypes of Accounts 136\u003c\/p\u003e \u003cp\u003eWhat Is a Check? 137\u003c\/p\u003e \u003cp\u003eHow to Open an Account 139\u003c\/p\u003e \u003cp\u003eElectronic Banking 139\u003c\/p\u003e \u003cp\u003eTypes of Loans 141\u003c\/p\u003e \u003cp\u003eInvesting Your Money 144\u003c\/p\u003e \u003cp\u003eMutual Funds 146\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter SEVEN Continuing on Your Financial Freedom Quest 149\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFind Your Green 153\u003c\/p\u003e \u003cp\u003eIt’s Time to Step Out on Your Own 160\u003c\/p\u003e \u003cp\u003e\u003cb\u003eGLOSSARY 163\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eABOUT THE AUTHOR 173\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eINDEX 176\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eHOWARD S. DVORKIN, CPA, \u003c\/b\u003eis the founder of Consolidated Credit, an organization that has helped more than 5 million people over the last twenty years. He has helped thousands of individuals face and overcome devastating financial hardships and avoid personal bankruptcy. Mr. Dvorkin also is a personal finance columnist for Fox Business News online, and he has been interviewed about debt and personal finance by the \u003ci\u003eWall Street Journal\u003c\/i\u003e, the \u003ci\u003eNew York Times, Fortune, Entrepreneur, American Banker, Investor's Business Daily, Good Housekeeping, Better Homes and Gardens, Family Circle\u003c\/i\u003e, and more. He has also been a guest on countless national and local television and radio outlets, including \u003ci\u003eCBS Evening News, The Early Show\u003c\/i\u003e, ABC World News, and CNN.\u003c\/p\u003e  \u003cp\u003e\u003cb\u003eStop being a slave to debt and money anxiety—and take control of your financial destiny\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\"If you've ever wondered how you got into a debt problem, or more important, how to get out of one, this book is a must-read. From learning how advertising influences your spending to teaching your kids to become responsible money managers, \u003ci\u003ePower Up\u003c\/i\u003e covers the bases. Nice work, Howard!\"\u003cbr\u003e \u003cb\u003e—Stacy Johnson,\u003c\/b\u003e CPA, President, MoneyTalksNews.com\u003c\/p\u003e \u003cp\u003eIn \u003ci\u003ePower Up\u003c\/i\u003e, Howard draws on his years of experience helping thousands of people overcome devastating financial hardship. He provides you with time-tested strategies and powerful tools to rebuild your financial life on a solid and enduring foundation.\u003c\/p\u003e \u003cp\u003eA survival guide for these economically rocky, debt-ridden times, \u003ci\u003ePower Up\u003c\/i\u003e delivers:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eGuidelines for creating a realistic budget and sticking to it\u003c\/li\u003e \u003cli\u003eBudgeting tools, worksheets, and other valuable forms\u003c\/li\u003e \u003cli\u003eA look at the tricks that lenders and credit card companies use to make you a slave to debt\u003c\/li\u003e \u003cli\u003eTips on how to learn to live without credit cards—and love doing it\u003c\/li\u003e \u003cli\u003eHelp in understanding the difference between what you \u003ci\u003ewant\u003c\/i\u003e and what you \u003ci\u003eneed\u003c\/i\u003e\n\u003c\/li\u003e \u003cli\u003eIdeas on how to redirect your urge to shop into activities that satisfy your deeper needs and methods to improve your fiscal psychology\u003c\/li\u003e \u003cli\u003ePriceless advice on how to educate your kids about money and personal finance\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eA chance to start over again with a clean slate? The peace of mind that comes with \u003ci\u003eknowing\u003c\/i\u003e you're in charge of your financial destiny? Power Up!\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47989827764453,"sku":"NP9781118731499","price":19.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781118731499.jpg?v=1761785597","url":"https:\/\/k12savings.com\/products\/power-up-isbn-9781118731499","provider":"K12savings","version":"1.0","type":"link"}