Ten Commandments of Financial Awareness

Ten Commandments of Financial Awareness is an overview of ten need-to-know financial concepts. If applied, these "Financial Commandments" will translate into better money habits and access to more cash and credit. This new financial awareness will also empower you to make smarter financial decisions so you can have financial security, well-being and peace of mind for you and your family!

Ten Commandments of Financial Awareness is an overview of ten need-to-know financial concepts. If applied, these "Financial Commandments" will translate into better money habits and access to more cash and credit. This new financial awareness will also empower you to make smarter financial decisions so you can have financial security, well-being and peace of mind for you and your family! After reading Ten Commandments of Financial Awareness, you will understand: • Why it is important to manage your money • Why it is vital to save • The art of keeping cash in your pocket • What a credit report is and its purpose • What makes up your credit score & how to increase and maintain a good credit rating • How to stop working for your money and start to let your money work for you • Plus other great keys to prepare you for personal financial freedom!

Marcella Joanne Livingston, in business known as MJ, is a native of New Castle, Delaware, the first state. MJ was born with an innate determination and optimism to persevere and succeed. She is most passionate about financial literacy and an advocate and supporter of financial education-to say the least. MJ has experienced both poverty and middle class living which gives her a unique insight when it comes to teaching, reaching and relating to people about personal finances. MJ has more than 15 years of experience and knowledge in the Financial Services industry. She holds a Bachelor of Arts degree in Business Administration from Bennett College in Greensboro, North Carolina. She is proud to be a Delawarean and has always had an entrepreneurial spirit. As a result of her upbringing and education, she owns a Financial Consulting agency located in Wilmington, Delaware. This is where she does individual credit counseling, training, writing, and workshops. MJ is a volunteer for the Delaware Money Management Program – an agency that helps the elderly and disabled to pay their bills. MJ is happily single and has two wonderful nieces, a sister, a mother and a host of other extended family and friends who loves her dearly.