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What is in the My Money Matters Kit?

Money Affirmations

A solid financial plan is crucial to building your money confidence. However, it can't be done without a sprinkling of inspiration and motivation. These Money Affirmations will change the way you think about your money and enable you to move forward and achieve your money goals. Perhaps you are ready to start taking more control of your personal finances but you need a little support to get started. Your Money Affirmations provide that support. Read one a day, read one a week, or read the same one every day. Do what works for you!

Instant Money Tips

One of the reasons money is so overwhelming is that there is so much information and we don't even know where to begin! The Instant Money Tips solve that problem: One or two sentences that offer a simple but important tip that you can apply to your personal finances RIGHT AWAY. They can be applied to your everyday money like your bills, banking, and investments, plus they offer immediate guidance on long-term plans like wills, life insurance, and your children's college education savings.

Money Workbooklets

You are ready to make some big changes within your personal finances but you need a plan. These exercise workbooks cover all the main areas of your personal finances with easy-to-understand instructions on exactly what to do. You can take your time completing the exercise or finish them in just one sitting. And since it is in booklet form, you can take it with you! If you have completed all the exercises in an individual booklet and want to go through them again (say for a financial checkup), you can order more individual booklets.

My Money Journal

You've read the Workbooklets, recited the Money Affirmations and followed the Instant Money Tips. But you still want to keep your new positive money changes in your life on a regular basis. "MY MONEY JOURNAL" helps you with that. By entering your daily money purchases, you become more conscious of where your money goes and more motivated to change your money ways. Don't worry, this isn't a test, there are no wrong answers. The "MY MONEY JOURNAL" is another tool to guide you towards financial bliss.

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Workbooklets: Practical personal finance advice on saving more money, going on vacation and getting out of debt.


Galia Gichon
Founder of Down-to-Earth Finance

Galia Gichon

For more than twelve years, Galia Gichon has been helping consumers and professionals understand the world of finance and wise personal money management.

In the late 1990's, Ms. Gichon sold exclusive financial conferences to senior executives of top investment managers in the United States and Europe, for Institutional Investor. Previously, she spent six years writing financial research for top investment banks Bear Stearns and Nomura Securities. Ms. Gichon earned an MBA in Finance from Fordham University in New York City. She also holds a Bachelor of Science degree in Finance from the University of Florida and Series 7 and 63 NASD licenses, demonstrating her mastery of investing and finance.

Galia Gichon launched Down-to-Earth Finance to demystify personal finance, money management and investing for individuals—particularly women—who have found money matters baffling and intimidating. She presents seminars and does one-on-one consultations that help people get closer to their financial goals by creating spending and savings plans, phasing out debts and mapping out realistic investment strategies. You can reach Galia by email at or by phone at 212.734.0433.