Reeta Wolfsohn, CMSW


Each of us has a role to play in creating our own destiny – do you know yours?

Is where you are on your financial journey where you want to be? If it isn’t, what do you want to do about it; what are you willing to do about it?

Don’t spend your life waiting for your financial circumstances to change – begin right now to shape the dreams you have today into the life you want tomorrow.

Will it take work?  Yes, but probably not as much as you might anticipate.  Will it be worth the effort?  Absolutely!

Will it be mistake proof?  Highly unlikely.  However, if your life is currently dominated by financial worry and stress, continuing as you are doesn’t really make much sense, does it?  When you risk nothing you actually risk everything, so there’s no better time than right now to start taking control of your money and gaining control of your life.  .

Here’s how to get started:

Make a solemn commitment to becoming more money-wise – put it in writing; sign and date it; keep it where you will see it often; review and renew your commitment weekly.

Identify two (2) specific steps you can take, in the coming week, which will make you more money-wise – put them in writing.  Continue those steps and add two more next week and two more the following week, etc.

Create a money space in your home or apartment.  Light candles and play relaxing music when managing your finances in your money space.

Schedule time with your money – one hour each week.

Organize your financial records and your financial life.

Accept yourself just as you are, while working to create a better financial future, because all change begins with self-acceptance.  (Negativity keeps you stuck.  You are the sum of all of your previous choices and that is ok.  Tomorrow, next week and next year you can be in a different place based on the sum of the choices you begin making today.)

Consider This:  To create a more emotionally and financially stable future:

Change how you think about spending and saving.

Change your relationship with your money.

Change your financial behavior.

Get to know and to understand yourself better.

Recognize the connection between your emotional stability and your financial circumstances.

Be clear that you have the right, the ability and the responsibility to eliminate your debt and to begin to build assets.

Nationally known motivational speaker and expert Reeta Wolfsohn, CMSW, is the founder of the Financial Social Work discipline (  She is a certified social worker, therapist, author and motivational speaker on the topic of money from a psycho-social perspective.   Reeta developed and taught the first graduate level Financial Social Work course at the University of Maryland and has taught the course at UNC – Chapel Hill, Rutgers and the University of Missouri.  Reeta offers online Financial Therapy through her website