Money Management for people starting out or starting over

Whether you’ve filed for bankruptcy, it’s looming in your future or it is something you want to prevent from happening, you’ve landed in the right place.

Here you’ll learn money management skills in a practical, understandable way so you can worry less about your finances and live a happier, healthier, more peaceful life.

I’m Joy Alford-Brand, attorney and founder of  I’ll help you reach an understanding and acceptance of the role money plays in your life, which is why I chose the name New Cash View.

I know the emotional distress debt can cause. During my 14+ years as a bankruptcy attorney, I witnessed a client having a heart attack in my office, marriages break up upon the filing of bankruptcy and fistfights breakout in bankruptcy court.

Most importantly, I have succeeded at paying off my own debt through budgeting and planning. II have worked as hard at personal finance as I have at being an attorney.

As the youngest of four kids whose parents filed for bankruptcy and then divorced when I was eight, I grew up with the fear of never having enough money. I often came home from school to find the lights, phone or water turned off and heard my dad proclaim nothing kept him up at night except his bills.

I’ll share my insight, advice and knowledge as a money management educator to help you through online courses, videos, my books and The Dollar Lama blog.  Sign up to receive my Joy of Money Management e-newsletter.




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I was so lucky to meet Jack Canfield at an event last month.  He was very gracious and agreed to a picture with me and The Dollar Lama!  Anyone who follows him is aware of his philosophy which includes, among other things, taking responsibility for 100% of your life.  I believe this is absolutely true when it comes to your finances, too!  In order to be successful at money management, you have to make a commitment to simply do it.  I’ve said it many times, the secret to good money management is, there is no secret.  You just have to do it.  I feel like he is something of a kindred spirit because he also came from a humble background, just like me.  His parents divorced when he was young and he had to pull himself up by his bootstraps, just like me.  So, remember, if we can do it, you can, too!  Thanks for the inspiration Mr. Canfield!