SimpleCents Guide to Manage Your Money

How a 7-Day System Can Help You Get Out of Debt, Save 1000’s and Build Security - Without Limiting Your Choices, Even if You Can’t Budget

By: SimpleCents

Narrated by: John S. Herlihy

Living paycheck to paycheck sucks! Here’s how to break the vicious cycle.

Aren’t you tired of never knowing whether or not your money is going to last you to the end of the month? Chances are that you’re already all too familiar with asking friends or relatives for a couple of bucks.

You’re not alone in this predicament. Some shocking reports suggest that 74 percent of all employees have no emergency savings and are entirely dependent on their paycheck.

In fact, the situation is so bad that only 40 percent of people can cover an emergency expenditure of $1,000 without turning to a bank or their credit card. It’s time to put an end to that vicious cycle.

Financial independence and freedom from debt do not require a ton of rigorous discipline or incredible wealth. It’s simply a matter of reassessing your priorities and getting a realistic view of how much you’re actually spending per month.

Chances are that you’re blowing cash you haven’t earned. Credit cards and other financial instruments create a false sense of security, and at the end of the day, you’ll have to pay the money plus the interest rates back.

America is experiencing a debt crisis, and our consumerist society is largely to blame.

If you take a minute to assess some of your latest purchases, you’ll probably find that you’re spending a ton of cash on things you don’t need.

So, what’s the secret to rectifying such impulsive behaviors and reclaiming your financial well-being?

Major change is difficult to stick to. Starting with baby steps, on the other hand, can produce tremendous results that will last years, if not a lifetime.

In SimpleCents Guide to Manage Your Money, you will discover:

• The number one reason why you’re still in debt - the secret bankers don’t want you to know
• The truth about things you want and things you need
• A quick first-step to getting out of debt that’s free
• A seven-day financial plan that will help you dominate your student loans, medical expenses, and other massive debt you have to pay back
• Eight fatal mistakes that keep you in debt and how to avoid them like the plague!
• The seven easy steps for setting up an emergency fund that’s suitable for everyone, even low income households (Step five is what works like magic!)
• Why setting apart five dollars per month is enough to start building your wealth
• A simple and proven introduction on how to invest that you can master
• A free bonus video course that will help you put your money and investing on autopilot in four quick steps
• And much more!

You are not at the mercy of banks and creditors. Your life doesn’t have to be spent thinking about how you’re going to survive, how you’re going to give your kids the best possible future, or just where that extra money is going to come from next month.

It all starts with a simple mind-shift. Once you open your eyes and discover how society has tricked you into indebtedness, you’ll never go back.

©2020 SimpleCents (P)2021 SimpleCents

Sound advice for managing your money

Solid overview of personal finance planning with essential information for beginning students and good tips for advanced students. One word of caution regarding the lectures is that the life cycle theory which advises spending more when you are young is a sound economic theory, but lousy personal finance advice.

Good audio book of financial advice

Good audio book of financial advice. It gives practical advice on how to change your thinking about money and how to create a budget that you will really stick to by making it your own. The book is funny and down to earth, making it a much easier read than many others on this topic. It is easy to understand and follow his principles and they are applicable to those with some debt and financial problems as well as those who are barely making it financially.

Very Helpful

"I have listened to this book several times, to get me back to practical techniques on saving for my crossover point. The crossover point it the most compelling reason to listen to this book, where your investment income graph meets your expense graph line. You can save more or spend less, to get there quicker but you better do both if you want to become FI while you are still young enough to enjoy it.

Great advices you would like to listen

Great advices you would like to listen to. The focus is not on doing a budget once and disparing when it doesn't work. A budget is a work in progress and provides a fresh look every month with a fresh look at expectations.

wow recommend audio book .

Gives real good insight on how to develop a good budgeting system. In this book, author break down the art of budgeting and personal finance in a way that is very easy to understand. Loved this book and found it very informative.

Practical, hopeful, sound advice

"Start here, find your why, there is more than personal finance and budgeting here. This book speak volume about lifestyle and life choices. I read this one twice already."

Fantastic Advice

I am both a lawyer and a banker. Notwithstanding significant professional training, I found very useful new info in this course. I also found helpful motivation to review and revise some of my personal financial plan. If you are in doubt about this course, get it. Listen and take notes. Apply the principles and you will sleep more peacefully now, and thank yourself for years to come.

This audio book is a very different sort of money

This audio book is a very different sort of financial book in that the advice is very practical. It has already helped me with my finances. Love listening to it every time.

SC wealth management is better

this book is not bad, but the simple cents guide to wreath management is better 8 would recommend that one instead.
SC WM also covers what's in this book plus more

Thankfully awesome!

I found this audio book to be EXACTLY what I need to start getting my spending under control. I recently retired and am living with reduced circumstances. I have been finding it far too easy to keep spending money as if I still had it. This book provides a way of doing a personal budget that actually makes sense to me. I can have enough flexibility to have the things I really want when I cut out the things that don't really matter. It provides a way of looking at the things I automatically spend money on to try to see if there are better ways of getting what I want. I can do things in ways other than the way I have done them always that provide as much as or more pleasure with much less cost. I absolutely love this.