ALL YOUR WORTH

A mother/daughter financial team says that to develop workable financial habits, you need a simple structure for dealing with your money. Your money is balanced, they say, when three categories of expenditures are in proper proportion--the Must-Haves (e.g., food and basic housing), Savings (for the future), and Wants (things you can do without). With a positive grasp of human nature, they offer six clear steps listeners can use to set up that balance. They're persuasive, even seductive, as they help listeners take the long view and be brutally honest about what they really need. Christina Moore's hopeful reading adds charm, credibility, and down-to-earth appeal to this vital lesson. T.W. © AudioFile 2006, Portland, Maine [Published: OCT/ NOV 06]