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A Purse of Your Own
An Easy Guide to Financial Security
by Deborah Owens
In A Purse of Your Own, wealth coach Deborah Owens draws from more than twenty years of experience in the financial services industry for a revolutionary and simple approach to investment literacy: Women can take control of their lives and purses by leveraging the feminine powers of intuition, creativity, and empathy to build personal wealth. Filled with quizzes (Pursercises), resource guides (Pursessentials), and examples of real women from housewives to executives who have drastically changed their lives (Purseonality Profiles)
A Purse of Your Own will show you how to:
· Apply the 7 Wealthy Habits you MUST learn to be fi nancially secure
· Buy stocks, bonds, and mutual funds and create a well-balanced portfolio on any budget
· Understand the language of investing and how to manage risk
· Find a good fi nancial advisor (and recognize the warning signs of a bad one)
· Protect what you will build
Creating and maintaining wealth can come only from understanding how money works. Use Deborah's "Power of the Purse" wealth-building strategy and your money will work for you!
Testimonials for Author and Wealth Coach Deborah Owens
"[Deborah] inspired our audience with the knowledge and information they needed to take control of their financial futures. She is a class act! ... She is not only incredibly knowledgeable, she has that uncanny ability to make everyone in the audience feel that she has a personal relationship with them, and they are important to her."
--Janet Wigfield, Director of Programming, Working Mother Media
"Your presentation was great! Everyone learned a great deal at the Leadership Conference."
--Kimberly Smith, Discovery Channel
"We recently hired Deborah to create a customized financial literacy workshop for our employees and she exceeded our expectations. Deborah's presentation was a big success!"
--Patricia M.C. Brown, President, Johns Hopkins Healthcare
"I am writing to recommend Deborah Owens ... [her] message of financial empowerment is critical in today's society ... [she] provides our audience with insight and practical application, which are critical components of TDJ Enterprises' mission to Educate, Empower, and Entertain."
--Bishop T.D. Jakes, CEO, TDJ Enterprises
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Intimate Conversation with Wealth Coach Deborah Owens
 Deborah Owens passion is helping people of all incomes build wealth. She is a sought after speaker and expert on the topic of entrepreneurship and financial empowerment.
Deborah is the Wealth Coach on My Generation TV which airs nationally in 30 million homes. She is author of "Confident Investing: A Wealth Building Guide For Women" and "Nickel and Dime Your Way to Wealth". Her new book "A Purse Of Your Own" is now available wherever books are sold. Deborah is host and executive producer of "Wealthy Lifestyle Radio" a personal finance talk show that airs on the NPR affiliate WEAA 88.9 FM in Baltimore, Md.
She is sought after speaker and has toured nationally with B.E.S.T. featuring Bishop T.D. Jakes and Magic Johnson, God's Leading Ladies, Working Women Events and The NASD Office of Individual Investors. Deborah is President of Owens Media Group LLC, which creates financial empowerment programs for companies and organizations.
Listen to a radio interview hosted by Ella Curry of EDC Creations and Deborah.
· INTRODUCE US TO YOUR BOOK:
A Purse of Your Own is a book that shares how women can create wealth. This books shares the attitudes and behaviors of financially successful women.
· WHERE ARE YOU FROM?
I was born and raised in Detroit, Michigan and have lived in the Baltimore Washington DC metropolitan area for the past 17 years. I have spent more than twenty years in the financial services industry and am a former vice president and regional sales and marketing manager with a global mutual fund company.
· WHY WAS THIS BOOK SO IMPORTANT TO CREATE?
This book is part of my larger vision which is "The Power of the Purse Campaign" to engage, enlighten and equip one million women to become financially empowered. Although women have made great strides and earning more income far too many of us are not achieving financial independence. We must change our mindset from earning income to building wealth. My true passion is sharing that society can build wealth on any income.
· HOW WILL YOUR BOOK IMPACT RELATIONSHIPS?
This book encourages women to make sure they put aside funds for the long term. It will require making their financial future a priority. This is a distinct change in societal norms which encourages women to sacrifice for others. This book implores women to create a purse of their own.
· WHAT WOULD YOU SAY HAS BEEN YOUR MOST SIGNIFICANT ACHIEVEMENT WITH THIS BOOK?
My most significant achievement has been the reviews that the book has garnered and its' reception by women who are embracing the concept of forming Purse Groups to provide support and accountability on the path to financial freedom.
· SHARE WITH US YOUR LATEST NEWS OR AWARDS:
We have had very favorable book reviews. The first from Publishers Weekly which said, "sensible advice...a plethora of resource listings and sound suggestions make this a winner for women looking to gain financial freedom.
Book Page said, Owens turns the purse metaphor into a wealth philosophy and provides tips, action steps and "purseonality profiles" for her seven must-have wealthy habits. It starts with cleaning out that purse to cultivate a Wealthy Outlook that allows you to dream big again. Some of the best advice comes at the end as Owens details how to start your own Purse Club and covers nine "pursessentials." To that end, we have built a community at www.apurseofyourown.ning.com where women can obtain information on how to get started, communicate with one another and get support.
Book the Wealth Coach | Deborah Owens
Owens Media Group LLC. provides financial education through a variety of formats and platforms. Our unique story telling approach using analogies and case studies provide the audience with an experience that is relevant, entertaining and informative.
Deborah is available for:
· Keynote with Book signing
· Workshop Session with Book Signing
· Webinar Session with Book Purchase
· Full Day Retreat with Book Signing
· Mistress of Ceremonies
· Facilitator
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A Purse of Your Own Events
An Easy Guide to Financial Security
by Deborah Owens
Monday, February 15th
IN STUDIO INTERVIEW
WHUR 96.3 FM
The Daily Drum
WHUR-FM Interview Time: 7:10 - 7:30 p.m. EST *Live
LARGO, MD - Borders Capital Centre Blvd
931A Capital Centre Boulevard
Largo, MD 20774 - 301-499-2173
4:00P.M. - 6:00P.M. - Workshop/Book Signing
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 Detox Your Finances by Deborah Owens
Just as liquids are important to flush toxins from your system as you diet, a similar approach can trim the bulge in your budget. Americans have been bingeing on debt and according to the Federal Reserve Board have racked up more than 2.26 billion dollars in consumer debt. Like dieters who get on the treadmill daily and the pounds don't come off it can be difficult to gain control of your finances. The culprit---- fees and monthly interest charges that have the same affect on your budget that nutritionist say artificial sweeteners and refined sugar have on weight loss. Here are a few ideas that you can use to implement a financial cleansing.
Financial Fast
Like a fast when you're dieting it is important to approach ridding yourself from debt gradually otherwise you feel deprived and then start to binge or in this case overspend. Start by making a list of all your debt and identifying the largest balances with the highest interest rates first. Pay off your small balances first and eliminate a bill or tackle the balance with the highest interest rate in order to short circuit the compound interest on your balances. The key is to gradually reduce your debt burden and experience a feeling of financial peace.
Drink your liquids
When I talk about putting liquidity in your budget I'm not talking about grabbing a can of Slim Fast, I mean having readily available cash. One of the main causes of credit card debt is not having an emergency fund. Building liquidity may require you to cut your expenses. If you haven't been saving money, I hope to convince you to reverse that trend.
Make a commitment to pay yourself ten percent of your take home pay each week and have it automatically transferred from your paycheck or checking account. into a savings or a money market account. The trade off is settling for the paltry current interest rates of 1.50% or less. For listings of top-yielding savings, money market accounts and CDs, check www.bankrate.com and www.imoney.net. When an emergency happens you can reach for cash instead of credit.
Spend Organically
Going green in your finances means using cold hard cash. A study on spending behavior found that people who use credit cards for everyday purchases spend fifteen percent more than if they were using cash. Give yourself an allowance every pay period and make a commitment to use cash only. When you open your wallet and there is no cash it means you have reached your spending limit. The sweetest sound a financially responsible person hears is the sound of their wallet or purse snapping shut.
Deborah Owens is the Wealth Coach on My Generation TV on PBS and is the author of a Purse of Your Own; The Easy Guide to Financial Security published by Simon and Schuster. Visit www.deborahowens.com to read an excerpt.
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