Making Your Dreams a Reality: Taking The Mystery Out of Finanical Planning Not the Magic - One Quote at a Time!
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About this ebook
This is not your ordinary book about financial planning.
And that’s because Betty-Anne is not your ordinary
financial planner.
Aft er all, before she was a financial planner she was
a teacher and a social worker. Oh, and she also worked
in a prison. And you thought financial planners were
boring!
I first met Betty-Anne at Kingston Writersfest. She
was attending the humour-writing workshop I was giving
and came up afterward to tell me that she wanted to
write a personal finance book that was interesting, relevant,
and, above all, fun! She asked me what I thought,
and I told her it sounded like a great idea—little did I
know that I would be helping her write that very book!
Th at book, Making Your Dreams a Reality: A Stress-
Free Guide to Take the Mystery out of Financial Planning,
but Not the Magic!, is coming out soon, by the way—a
sequel, if you will, to the book you have in your hands
right now.
But back to the book at hand.
You are in for a treat. Why? Because soon you will
be rid of the uneasy feeling you get when you think
about your personal finances.
I know the feeling, and it comes from fear—from
bad habits formed in childhood, from the endless
stream of incomprehensible financial acronyms that
bombard you, from that all-pervasive message you get
from newspapers, finance shows, and the media, telling
you that if you don’t get your finances in order—right
now!—you’ll spend your golden years in a cardboard
box under a bridge fighting rats for scraps of garbage.
It’s no wonder so many people put off financial
planning. After all, what do we do when we’re scared?
Scurry into a corner and hide or spend money!
Hide no more! Come out and look around. See,
things aren’t so bad after all!
This book doesn’t tell you what to do. Instead it asks
what you would like to do. It is an invitation, not an order.
Breathe a little, take your time, and discover how to
make money work in your life and how to make your
dreams a reality, one quote at a time.
Trevor Strong
Author, Songwriter, Humorist
Kingston, Ontario
Betty-Anne Howard
Betty-Anne Howard, Maggie Ashton, and Marlene Armstrong spent an entire weekend, between meals and riding horses, and gathering with friends, discussing the meaning behind these quotes, going deeper both personally and professionally. Before becoming a Certified Financial Planner®, Betty-Anne spent 17 years in the social and emotional health services field as a counselor and teacher. This experience, in addition to her Master’s Degree in Social Work and Honours Degree in Psychology, informed her more holistic approach to Financial Planning. For her, Financial Planning isn’t just about the money; it’s about “the meaning behind the money.” Betty-Anne is passionate about making information accessible to all and is driven to connect and educate.
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Book preview
Making Your Dreams a Reality - Betty-Anne Howard
Making Your Dreams a Reality
TAKING THE MYSTERY OUT OF FINANCIAL PLANNING NOT THE MAGIC— ONE QUOTE AT A TIME!
Betty-Anne Howard, CFP®
With Maggie Ashton and Marlene Armstrong
Copyright © 2015 by Betty-Anne Howard
Smashwords Edition
All rights reserved. No portion of this book may be reproduced mechanically, electronically, or by any other means, including photocopying, without written permission of the publisher. It is illegal to copy this book, post it to a website, or distribute it by any other means without permission from the publisher.
Limits of Liability and Disclaimer of Warranty
The author and publisher shall not be liable for your misuse of this material. This book is strictly for informational and educational purposes.
Warning—Disclaimer
The purpose of this book is to educate and entertain. The author and/or publisher do not guarantee that anyone following these techniques, suggestions, tips, ideas, or strategies will become successful. The author and/or publisher shall have neither liability nor responsibility to anyone with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this book.
Get Your Free Gift!
And Start
Making Your Dreams a Reality-
One Step at a Time!
With this free guide you will discover:
• What your dreams are made of.
• How your current situation can help create your road map.
• How to identify roadblocks along the way.
• How best to enjoy the journey.
• Identify the next small step you can take to make your dreams come true.
• And much, much more!
To get your free interactive guide to
Start Making Your Dreams a Reality,
go to www.bettyanne.net
Dedication
I would like to dedicate this book to my parents, Fred and Grace Howard, both of whom died too young and who still had the chance to teach me loads about life and what matters most.
Without even knowing it, they taught me many of the financial planning principles I use in my work including the one oftentimes ignored—that is, how to buck up and get back in the saddle when I fall, feel sorry for myself, or run out of energy. The message always was we are called working class for a reason
!
My father, who couldn’t read or write, taught me I could do whatever I set my mind to, regardless of any seen or unseen barriers I encountered—this from the man who was the secretary of his local union and whom no one knew was illiterate.
My mother taught me the importance, as a woman, to be self-sufficient and live my dreams, before getting married!
Given I was the only girl in a family of four boys, growing up poor, the biggest gift they gave me was knowing I was cherished. Thank goodness they didn’t call me what they wanted to originally: Marvel-Anne!
Acknowledgments
The journey to making this book a reality has been one that spans a decade of pushing and pulling by others, and prodding and poking by many more.
I was told, Don’t lose your focus on your business by writing this book because you might just go bankrupt
, no one wants to have fun with money; this is a very serious business
, all that really matters is making money so how are you planning on doing that with this book?!
, and so on—comments that scared me, threw me off my path, and made me seriously doubt, at times, who I thought I was and what the hell did I think I was doing?!
If it hadn’t been for, the following people, this book wouldn’t be here :
• The Kingston Writers Festival. I am always inspired by other authors.
• Trevor Strong, whose workshop I attended on writing humour at the Kingston Writers Festival and who, since that time, has given me so much more
• Wintergreen Studios and the writing workshops I attended with Helen Humphries (who encouraged me to explore fairy tales within my writing) and Lawrence Hill (who was the first person to suggest I find a way to make my business magical, for others)
• Unbridled Coaching, helping me move through my internal barriers to make this book a reality, with Marlene Armstrong and Maureen Donoghue
• Donna Kozik for her Write a Book in a Weekend and who inspired me to be more than I could have imagined, through my writing
• Eileen Chadnick, who suggested I take Donna’s workshop and helped me realize this book was possible
• Brooke Warner and her Thought Leadership for Writers webinar series that got me thinking more about where I wanted to go as a Th ought Leader within financial services, with my writing
• Kathy Sage, Minister Kingston Unitarian Fellowship and Christie Andrus kept me grounded in my values and always had an eye, ear & shoulder for me to lean on
• Jean Brereton, who reaffirmed that my life’s purpose is to transform the financial services business (That’s what she said!)
• Halla Tomasdottir, whom I just had to meet in Iceland when I read the article and saw