Are you comfortable with your money? Do you have enough? Do you feel that you are managing it well? If for whatever reason your answer is "no" to any of these questions, WEALTHY CHOICES: The 7 Competencies of Financial Success by Dr. Penelope Tzougros, is determined to make you feel confident and competent in your relationship with money. This inspiring book allows you to discover what your spending habits and money questions reveal about your unique self.

WEALTHY CHOICES introduces seven competencies that will help you achieve financial equilibrium, so you can be at ease with your money and more confident in your decisions. The competencies that Dr. Tzougros explores are: Valuing; Paying the Bills; Losing; Leveraging; Dreaming; Growing; and Gifting. No matter what your financial situation, financial professional and author Dr. Penelope Tzougros suggests small and easy steps to help you understand how to maximize your money.

Why will this book work for you? The real-life stories in WEALTHY CHOICES will make it easy to find yourself in similar everyday scenarios. You'll learn from, and smile over the stories about those who resist handling money well, those who are wise, those who are overwhelmed and those who are successful. You can learn how to reduce stress by following step-by-step strategies for making better investment choices, and for finding creative ways of responding to touchy family issues like requests for loans. Also you'll find solutions for gift giving that don't break your budget, and a radically new approach to credit card debt and budgeting which may change your view of overspending once and for all.

"These combinations of real life stories and Penelope's Perspective come from years of my talking with people about their money," states Dr. Penelope Tzougros. "As a financial planner and speaker, I have had the privilege of listening to people express not only their fears, confusions, and trouble spots, but also their dreams and ambitions."

Each story is followed by Penelope's Perspective, which draws on her years of financial training and listening intently to people. As a result of reading Penelope's Perspective you may find yourself saying, "I never thought about it that way" or "Why didn't anyone ever tell me that simple fact," or "Now I finally understand. Why didn't someone explain it that way before." With this fresh view, you're on your way to better choices and greater integration of your values, your goals and your dollars.

	Gain strength in each of the seven competencies and allows you to devote more time to the ones that you need more work on.
	Discover more about yourself, and become more aware of how you handle your money.
	Understand how to deal with relationships and money.
	Move toward your dreams and away from your distractions.
	See how the scenarios opened up your way of thinking, by taking the self-evaluation before and after each chapter.

WEALTHY CHOICES discusses all of our uses of money. By listening to the people in these stories, you may gain insights into your own habits and those of friends and family. You may find it easier than you think to make successful changes. No matter what your financial situation is, you can always make some improvements.