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Look Inside. Girl, Make Your Money Grow! Do you dream about retiring early to spend more time with your loved ones—or finally owning a house in your favorite part of town? Beginning with simple, engaging exercises to help you assess your finances and transform any negative money beliefs that hold you back, Bridgforth and Perry-Mason then present their step-by-step program for becoming acquainted with investing and making your money work for you, Glinda Bridgforth is the founder of Bridgforth Financial Management Group, a financial management company that emphasizes holistic counseling. A regular… More about Glinda Bridgforth.

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Girl, Get Your Money Straight

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Girl, Get Your Money Straight! Read more Read less. Kindle Cloud Reader Read instantly in your browser. Customers who viewed this item also viewed these digital items. Page 1 of 1 Start over Page 1 of 1. Girl, Get Your Credit Straight! Glinda Bridgforth.

Girl, Make Your Money Grow! Patrice C. Valorie Burton. Michelle Singletary. The Budgetnista. Customers who bought this item also bought these digital items. From the Inside Flap If you're tired of feeling powerless over your finances and are ready to start funding your dreams, then come on girl-it's time to get your money straight!

Author and financial expert Glinda Bridgforth knows that healthy money management is rarely just about dollars-it's about getting to the root of why we spend what we do and recognizing the emotional and cultural issues that play out in our unhealthy financial habits.

Filled with Bridgforth's warmhearted wisdom and advice, and complete with worksheets exercises, affirmations, and inspiring stories of African American women who have found financial peace of mind, "Girl, Get Your Money Straight! A regular contributor to Essence and Black Enterprise , she is a frequent guest on television and radio shows nationwide as well as a sought-after seminar speaker.

She divides her time between Oakland, California, and Detroit, Michigan. All rights reserved. Chapter One The Road to Financial Healing Whether you are one of those sisters who owe more than they own, or you are scuffling to make ends meet on a solid income that would make your mama's jaw drop and say, "Girl, you make how much money?

Believe me, I know this is true. After a successful career as a retail-banking executive, I have worked for the last decade as an independent consultant, coaching sisters just like you and me through the often tricky waters of money management. I call myself a financial recovery specialist, highly experienced in helping clients who are financially challenged in a variety of ways. I assist them in designing and implementing a personalized program of debt reduction and planned spending to stabilize their finances, dig themselves out of familiar money and credit traps, and ultimately build up savings to invest for their futures.

While I have worked with hundreds of clients from all ethnic backgrounds and walks of life, I have been astonished by the number of eager black women who have flocked to my popular group workshop, Money Management: Achieving Prosperity and Debt-Free Living. In I presented this workshop for the African American Women on Tour Conference, and a standing-room-only crowd of more than two hundred African American women of all ages showed up at an Oakland hotel, ready to learn the strategies and techniques that would help them get their money straight and foster true financial healing.

They brought enough energy into that room to light up the whole city, and it was a beautiful sight to behold. I stood before that audience as a money-management expert, but just as important, as a sister. As an African American woman, I know firsthand our hunger for straightforward financial information that directly connects with how we live, the feelings we have about ourselves, how we interact with the world at large, and the dreams we want to realize.

I also stood before that audience as a firsthand testament to the powers of change that lie within each and every one of us. I am not the kind of financial expert who has always had it all together in my own financial life. I've dealt with many of the challenges typically faced by upwardly mobile African Americans who have come of age since the s. That's a percent increase over the last decade!

But access to larger incomes doesn't automatically bring the confidence and knowledge it takes to manage money well and turn it into wealth. Some of us grew up poor or were raised by folks who grew up with very little and unwittingly passed on to us high levels of insecurity, self-criticism, and self-doubt in all areas of our lives--especially in finance.

And like many Americans, once we have money in our pockets, many of us quite innocently get caught up in our capacity to consume. Eventually, we find ourselves bogged down by overwhelming debt and bad credit habits that have been fueled by psychological vulnerabilities that undermine our confidence to control our financial lives.

I help clients, as I once had to help myself, to examine and work through the close link between how we feel about ourselves in relation to money and how effectively or ineffectively we manage our financial lives. Since both psychological and practical barriers prevent us from moving beyond compulsive spending to planned spending and conscious wealth building, I have found that a holistic approach--that is, one that incorporates both the emotional and the practical and works to heal the individual as well as her bank account--best facilitates change.

Such an approach worked for me during my own financial recovery, and I've since found that it works for the hundreds of clients I've seen in my practice and in the workshops I've conducted over the last ten years. Taking a close look inside our minds and hearts is often the key to taking control of our fiscal responsibilities. The Psychology of Money Management In the s feminists first called attention to the source of a common pattern in women's financial behaviors--a pattern of passivity and doubt in our ability to take control because of childhood socialization as females.

We have commonly been taught and encouraged to leave to men any issues relating to power--specifically control of money. A popular statement was "Oh, don't worry your pretty little head about such things.

This social-psychological perspective struck a responsive chord with many people, but not until the s were these psychological insights adopted widely by mainstream financial experts and used to help the general consumer. People of all races and both genders are products of distinctive cultural histories and family messages that are passed on from generation to generation.

These familial and social expectations influence the capabilities, competence, and expectations we have for ourselves in all areas of our lives. Black women, even though we have a longer collective history in the paid labor force than white women, may be especially weighted down by negative messages from our families and the larger society regarding both our personal and economic status, so it's hardly a coincidence that our financial affairs often mirror an underlying personal sense of inadequacy.

In actuality, black women today are the products of generations of resourceful women and men who held their families together with little support--material or otherwise--and despite a lot of economic deprivation. But too often society calls attention to our historically degraded social status rather than our triumphs over it. If we're going to get our money straight, we must become aware of various kinds of emotional conditioning and how we act it out in our financial lives.

Perhaps black women more than anyone else can benefit from a holistic approach that addresses our commonplace emotional conflicts. Of course, there are many African Americans who do not struggle with money issues and who have perfectly healthy spending and saving habits.

But those of us who do overspend are often caught up in an unconscious attempt to make ourselves feel acceptable in a world that often seems to be working against us. In a society in which financial status is an important part of what makes people "successful," spending often becomes a means of self-affirmation.

But spending to make ourselves feel better--to feel as though we have a certain place in the world--can actually trap us in a downward spiral: The more shame we feel over mounting debts and finances that are not as we'd like them to be, the more paralyzed we become, even prone to depression. And the worse we feel, the more we spend. Ultimately, our money woes can feel like a festering wound that never heals. Consider the following stories of two sisters who found themselves in a dangerous cycle of feel-good spending and debilitating debt.

Living Beyond Your Means A typical client is Felicia, who at twenty-seven is challenged by the most important mental hurdle in controlling finances: setting priorities and making choices.

Five years out of college, she landed a dream job as a marketing communications assistant in a cosmetics company. She has been living in the red and falling in deeper. A young single woman with no children, Felicia loves to travel and has taken a big trip almost every year since college. She financed trips to Paris and Jamaica by using her rent money, after which she spent months juggling her other bill payments, scrambling to play catch-up.

Delinquent payments severely affected her credit standing. Today she takes cash advances on her Visa just to buy transit cards to get to and from work. Her income puts her in the top 2 percent of African American women earners, and her debt burden isn't outrageously high.

Still, Corliss shifted uncomfortably in her chair all through our first session. Other than a small K retirement savings plan, she had no significant assets. She was renting her apartment, leasing her car, and although she considered herself a homebody and no big-time spender, her paycheck barely covered her total expenses.

She didn't know where her money was going and was afraid she wouldn't have enough to live on after retirement. While she presented a confident image to the world, she admitted, "I'm very embarrassed by my financial situation. I'm forty-six years old, but I feel like a little child. Up until now I've never been willing to face my finances because it felt so uncomfortable.

I just figure if I look good, everybody will think I'm okay. I've got tons of clothes, and it feels really good to shop. But usually by the time I get home I feel terrible and get an awful headache. It's a vicious cycle and I'm stuck in it. What's wrong with me? I know that you can do it--because I did. More than a dozen years ago I was burned-out by a high-powered banking career and by a marriage that wasn't working. My finances, too, were running out of control.

As I worked to get my life back on track, I came to understand how not feeling worthy and not loving yourself can create patterns of money misuse, leaving us prone to compulsive spending to salve our insecurities. I believe that understanding these potential connections not only promotes health and healing for people suffering from acute financial problems, it can also be a source of valuable insight--an instructive preventive measure even--for many who never fall prey to serious binge spending and the like.

We can learn how to avoid sabotaging our own financial security and use the same insights to increase our options for building wealth--whether or not we ourselves are actually secret spendthrifts. I share my own story as a case in point. That's where I was born and where my parents raised their family of six children from through , always working hard to make ends meet and to educate us for the greater opportunities they expected we would have.

The fourth in line, I was a teenager in the s, when the Motown sound dominated radio airwaves and emanated from every Friday- or Saturday-night house party in those days of "blue lights in the basement. The auto industry was booming, and many folks we knew who worked for the car factories drove shiny new Pontiac Bonnevilles, Buick Electra s, and even the ever-popular Cadillac Eldorado.

Meanwhile, Berry Gordy, former auto-worker-turned-impresario, built his Motown label by tapping into talented local singers and musicians seasoned in our churches, community centers, and record hops.

My homegirls and I would change up weekly on the girl groups we imitated--The Marvelettes, Martha and the Vandellas, the Supremes.

Then there were guy groups we swooned over--Smokey Robinson and the Miracles, the Four Tops, and, of course, the "Tempting" Temptations. I grew up thinking our family was pretty much average and middle class. I knew we weren't poor, because I saw families in my southwest Detroit neighborhood who had much less than we did.

GIRL, GET YOUR MONEY STRAIGHT

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Look Inside. Girl, Get Your Money Straight!

This is an excellent book. It is very informative and guides you through the investment and wealth building strategies. This book is a definite must for women who venture to be on top of their Girl, Make Your Money Grow!

Girl, Make Your Money Grow!

This is an excellent book. It is very informative and guides you through the investment and wealth building strategies. This book is a definite must for women who venture to be on top of their Girl, Make Your Money Grow! Glinda Bridgforth , Gail Perry-Mason. In this book, Bridgforth teams up with investment expert and stockbroker Gail Perry-Mason to deliver power-packed, sister-to-sister advice on how to master the stock market, grow your income, and start investing in your biggest asset - you. Beginning with simple, engaging exercises to help you assess your finances and transform any negative money beliefs that hold you back, Bridgforth and Perry-Mason then present their step-by-step program for becoming acquainted with investing and making your money work for you, You will learn how to - Clear away debt and clear the deck - for investing; Create new streams of income by using your own special talents; Develop an investment mission statement; Map out a personalized plan for retirement and take advantage of the best retirement options - k s, IRAs, and more; Own your own piece of the rock - buying prime real estate; Take the mystery out of the market and build an investment portfolio that's right for you; Use bonds, mutual funds, and blue chipstocks to lower your risk without sacrificing profits; Read the market for winners and losers - and get the knowledge you need to protect your assets.

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If you're tired of living paycheck to paycheck and are looking for ways to create new wealth, then come on, girl—it's time to make your.

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