This interactive companion to The Smart Money Guide for Broke People walks you step by step through renewing your mindset, healing your relationship with money, and building a life rooted in peace, purpose, and prosperity.
Through guided reflections, Scripture-based exercises, budgeting templates, and daily action prompts, you'll learn how to apply biblical wisdom alongside practical financial strategies. Whether you're overwhelmed by debt, rebuilding after setbacks, or ready to elevate your money habits, this workbook serves as a clear, supportive roadmap toward freedom and abundance.
Each section helps you reflect, reset, and rise-turning small, intentional steps into lasting financial and spiritual transformation.
WHAT'S INSIDE:
✨ PART I - THE AWAKENING
Uncover the truth behind your money habits, confront financial fears, and break unhealthy patterns that keep you stuck.
✨ PART II - THE RESET
Replace chaos with clarity using peace-building practices, budgeting tools, and Scripture-based exercises that restore order.
✨ PART III - THE SHIFT
Align faith and finances so your decisions reflect purpose, values, and long-term vision.
✨ PART IV - THE REBUILD
Create systems and habits that protect progress through saving strategies, stewardship tools, and foundational routines.
✨ PART V - THE RISE
Step confidently into abundance, purpose, and legacy-focused thinking. Redefine prosperity through God's lens.
✨ PART VI - THE FLOURISHING
Sustain momentum and prevent relapse while living with gratitude, balance, and wisdom.
✨ PART VII - TRANSFORMATION IN ACTION
A complete 40-Day Smart Money Challenge featuring Scripture, reflection, and daily action steps to shift your financial life from the inside out.
BONUS TOOLS INCLUDED:
✔ Monthly budget templates
✔ Debt tracker
✔ Gratitude and giving logs
✔ Faith declarations and affirmations
✔ Legacy and purpose worksheets
✔ Certificate of Completion
✔ Reflection pages for breakthroughs and testimonies
✔ Scripture-guided journaling prompts
✔ Peace, planning, and prosperity checklists
⸻ WHO THIS WORKBOOK IS FOR:
- Anyone feeling stuck financially and seeking a faith-centered fresh start
- Those wanting practical tools grounded in Scripture
- Individuals ready to rebuild finances with discipline and peace
- Readers focused on transforming mindset, habits, and legacy
- People seeking a clear, step-by-step path from struggle to stewardship
⸻ ABOUT THE AUTHOR
Carol Bernice is a transformational author, speaker, and faith-driven businesswoman dedicated to helping individuals renew their minds, heal financially, and build legacy wealth through wisdom and stewardship. Her mission is to empower people to live abundantly-spiritually, emotionally, and financially.
Learn more at CarolBernice.com.
⸻ If you're ready to experience breakthrough, healing, and restoration in your finances, this workbook will guide you every step of the way.
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