Financial advisor Kathleen Thomas has seen the difficulties and setbacks that occur when women don't own their financial lives. It's not a situation you want to find yourself in.

The Hardworking Woman's Guide to Money provides all the information you need to make informed decisions about your own finances, whether you've just earned your first paycheck or retirement looms on the horizon.

After outlining the seven habits common to successful, hardworking women, Thomas discusses many vital topics, including determining your net worth, understanding bank account fees, paying for college, securing a mortgage, and taking full advantage of your employee benefits. She also explains the ways different life stages dictate your financial needs, offers basic investment advice and estate-planning tips, and explores the need for prenuptial agreements.

Thomas emphasizes that accruing wealth isn't an end in itself. Rather, financial security is a tool you use to achieve your goals and dreams, whether they include traveling the world, enjoying a stable retirement, or building a legacy for your children.

Controlling your finances can be challenging, even frightening, but once you get a handle on money management, you will be able to plan your future with much greater confidence.