Perpetually broke - living beyond your income What they didnt teach you in School how to Manage your Money Pay off Debts get a Money Makeover and

If you find yourself spending more than you earn, struggling to balance debts, cut spending and save. If you want simple, proven, practical advice for YOUR MONEY which doesn't assume any prior knowledge of personal finances or budgeting, then this book is aimed at YOU.

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 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 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 earned 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 over $70,000 in debt. However, after a financial makeover, she had paid off over $10,000 in debt in just 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 toolkit.

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 behavior and will prevent self-defeat by giving you the weapons to arm yourself against yourself!