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Perpetually Broke: Living Beyond Your Income
Get a Financial Makeover in 7 hours and achieve Prosperity by 40
Do you feel in financial stress, living paycheck to paycheck, but want to join the ranks of the prosperous? Do you want a financial makeover in 7 hours? Then you need to keep reading...You are in plenty of company according to CNN Money, 76% of Americans are living paycheck to paycheck. 40% 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, 51% 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 which 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, just 7 hours. If you remain on this path, you will reach a position of financial comfort and prosperity.
I have applied the lessons and principles which 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 on $70,000 in debt. However, after a financial makeover, she had paid off over $10,000 in debt in three months.
In this book, you will discover:
The ways others are manipulating your behaviour and secrets to counter them
7 myths about debt that are keeping you impoverished
Why this book works for any budget
5 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
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 synthesises the best, discards the unworkable, and using psychology adds a new and unique approach to reaching your financial goals.
Do you feel as a millennial your generation is at a massive disadvantage, with student debts, housing costs and uncertain income?
Perhaps you have already tried to budget, spend less and have always failed?
This book will show you the science to changing your own behaviour and will prevent self-defeat by giving you the weapons to arm yourself against yourself!
If you want to be financially free and prosperous, then scroll up and click the "Add to cart" button.
Do you feel in financial stress, living paycheck to paycheck, but want to join the ranks of the prosperous? Do you want a financial makeover in 7 hours? Then you need to keep reading...You are in plenty of company according to CNN Money, 76% of Americans are living paycheck to paycheck. 40% 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, 51% 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 which 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, just 7 hours. If you remain on this path, you will reach a position of financial comfort and prosperity.
I have applied the lessons and principles which 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 on $70,000 in debt. However, after a financial makeover, she had paid off over $10,000 in debt in three months.
In this book, you will discover:
The ways others are manipulating your behaviour and secrets to counter them
7 myths about debt that are keeping you impoverished
Why this book works for any budget
5 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
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 synthesises the best, discards the unworkable, and using psychology adds a new and unique approach to reaching your financial goals.
Do you feel as a millennial your generation is at a massive disadvantage, with student debts, housing costs and uncertain income?
Perhaps you have already tried to budget, spend less and have always failed?
This book will show you the science to changing your own behaviour and will prevent self-defeat by giving you the weapons to arm yourself against yourself!
If you want to be financially free and prosperous, then scroll up and click the "Add to cart" button.
178 pages, Paperback
Published July 23, 2020
About the author
Tom Cromwell
5 books6 followersTom has a wealth of personal and commercial finance experience and an upbringing that showed him the value of every penny. He has invested money from his earned income for 30 years and is an example of how it is possible to rise to wealth and prosperity from a disadvantaged situation. Tom believes in financial empowerment for everyone because your goals were his goals. Working with other young people, he realized many had an uncomfortable relationship with money even if they earned decent salaries, and are looking for guidance. Now Tom is intent and enthusiastic about helping a broader audience to financial prosperity through his writing.
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Displaying 1 - 5 of 5 reviews
August 17, 2020
The book is a quick read and provides good information on how to come out of the debt cycle. The author has provided a good narrative on how to get out of debt and set yourself on the path to financial freedom. He has avoided long-winded sentences and provided solutions to various problems that plague our generation.
I received a free copy of this book via Booksprout and am voluntarily leaving a review.
I received a free copy of this book via Booksprout and am voluntarily leaving a review.
August 17, 2020
The book is a quick read and provides good information on how to come out of the debt cycle. The author has provided a good narrative on how to get out of debt and set yourself on the path to financial freedom. He has avoided long-winded sentences and provided solutions to various problems that plague our generation.
I received a free copy of this book via Booksprout and am voluntarily leaving a review.
I received a free copy of this book via Booksprout and am voluntarily leaving a review.
Want to Read
March 27, 2021I am unable to write a review because I have not received this book that I won. As soon as I do receive it I will write a review.
June 20, 2021
I have read some books like this before was hoping for new/different insight/ideas but they are all the same...
August 25, 2020
Reviewing this book in regards to my commitment to Booksprout.
I recommend this book highly for everyone who needs to get grip on basics of Financial planning. This could be potentially the first book to read to understand the pyche behind being financially responsible before starting the journey. I love how the author, Tom, addresses the behavioural aspect of humans when it comes to Financial planning, something that is often left out of self-help books.
I recommend this book highly for everyone who needs to get grip on basics of Financial planning. This could be potentially the first book to read to understand the pyche behind being financially responsible before starting the journey. I love how the author, Tom, addresses the behavioural aspect of humans when it comes to Financial planning, something that is often left out of self-help books.
Displaying 1 - 5 of 5 reviews