Perpetually broke - living beyond your income

What they didn’t teach you in School, how to Manage your Money, Pay off Debts, get a Money Makeover and Achieve Prosperity by 40

By: Tom Cromwell

Narrated by: Russell Newton

Do you feel you're in financial stress, living paycheck to paycheck, but want to join the ranks of the prosperous? Do you want a financial makeover in seven hours? Then you need to keep reading....

You are in plenty of company according to CNN Money.

Around 76 percent of Americans are living paycheck to paycheck. Nearly 40 percent of Americans would have to borrow money to cover a $400 unexpected expense, and more than one-third of adults applied for some form of credit, says a Federal Reserve report in 2019. These problems impact all age ranges and different income brackets. For example, doctors are notorious for living at or beyond their incomes, and 51 percent of them do so according to the Medscape Wealth and Debt report 2019.

If you find yourself spending more than you earn; struggling to balance debts, rein in spending, and save; if you want friendly, simple, practical advice that doesn’t assume any prior knowledge of personal finances, then this book is aimed at you.

If you are already a competent saver or investor with strong self-control and sound knowledge of personal finances, then don’t buy this book. You don’t need it.

If you absorb the contents of this book and follow the straightforward guidance, then you will immediately begin to feel more in control and secure about your finances. I believe you can be ready to begin the rest of your financial life in one day or just seven hours. If you remain on this path, you will reach a position of financial comfort and prosperity.

I have applied the lessons and principles in this book throughout my life. They work as well when I earnt very little as they work now that I am more secure and enabled me to climb up the wealth ladder from the lowest rung. As I am not Bill Gates or Jeff Bezos, I cannot claim to have ascended to the very highest rung, but I am financially free and prosperous.

Ashley financed life essentials by paying with credit cards, never paying them off, on top of student loans. In two short years, she amassed $70,000 in debt. However, after a financial makeover, she had paid off more than $10,000 in debt in three months.

In this audiobook, you will discover:

• The ways others are manipulating your behavior and secrets to counter them
• The seven myths about debt that are keeping you impoverished
• Why this book works for any budget
• The five reasons why your attempts to balance income and spending keep failing
• Why you need to change your approach and how to succeed with money and finances
• The 21 makeover techniques for cutting debt and spending
• Why the philosophies of ancient Greece can help you control your spending
• Why you need to develop a vision
• The secret reasons successful people don’t need remarkable willpower
• And much more (including access to your bonus free personal finance calculator)

There are many other books on personal finances, financial freedom, and money makeovers, and you may be thinking of buying one of them, instead. Don’t! This book synthesizes the best, discards the unworkable, and using psychology adds a new and unique approach to reaching your financial goals.

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2020 Platinum Edge Media Ltd (P)2020 Platinum Edge Media Ltd