Financial Expert Is Helping Struggling Investors Change Poor Financial Behaviors Without Using a Budget

SOUTHFIELD, Mich., March 11 /PRNewswire/ -- Through his free, no- obligation book Financial Karma, Professional Financial Coach and Speaker Robert Laura is helping Americans change the way they manage their money with his "Financial Planning Without Numbers" concept.

Financial Karma uses a successful psychological model to help people change by putting their personal values on a collision course with their financial behaviors. Laura, an Accredited Financial Counselor and Chartered Retirement Planning Counselor, uses thought provoking exercises to help people see their true "financial reflection" without asking readers how much they spend. www.financialkarma.com.

"I hate all the estimating and tedious guesswork that comes with traditional budgeting ... and I know a lot of other busy people feel that way too. So I created a program that throws traditional budgeting out the window," says Laura.

His more holistic approach to money management directs readers to look at what their spending behaviors and patterns say about them. Laura accomplishes this by asking readers to:

     -- Identify which expenses support their personal values and goals and
        those that don't
     -- Differentiate between expenses that are basic needs and lifestyle
        choices
     -- Prioritize their expenses from most important to least important

Financial Karma is written for busy, blue and white collar people who want money management techniques that fit into the way they experience life. Financial Karma offers simple, easy to remember strategies for making better financial decisions without ever asking people to develop a budget or track their expenses.

Financial Karma previously sold for $24.95 through Spiritis Publishing but is now absolutely FREE and can be read online or printed from a PDF file. It's available at www.financialkarma.com.

Laura, who is a member of the National Speakers Association, also holds the designations of Accredited Asset Management Specialist and Chartered Mutual Fund Counselor.