{"product_id":"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-paperback","title":"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 - Paperback","description":"\u003cp\u003eby \u003cb\u003eTom Cromwell\u003c\/b\u003e (Author)\u003c\/p\u003e\u003cp\u003e\u003cb\u003eDo you want to discover devastatingly effective secrets for MONEY MANAGEMENT, basic PERSONAL FINANCE and HOW TO BUDGET? You can laugh at money worries and become DEBT FREE if you follow these simple solutions...\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003eIf 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.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eYou 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.\u003c\/p\u003e\u003cp\u003eIf you absorb the contents of this book and follow the \u003cb\u003e\u003ci\u003estraightforward guidance\u003c\/i\u003e\u003c\/b\u003e, then you will immediately begin to feel more in \u003cb\u003e\u003ci\u003econtrol\u003c\/i\u003e\u003c\/b\u003e and \u003cb\u003e\u003ci\u003esecure\u003c\/i\u003e\u003c\/b\u003e about your \u003ci\u003e\u003cb\u003efinances\u003c\/b\u003e\u003c\/i\u003e. I believe you can be ready to begin the rest of your financial life \u003cb\u003ein just 7 hours\u003c\/b\u003e. If you remain on this path, you will reach a \u003cb\u003eposition of financial comfort and prosperity.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eI 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 \u003ci\u003ewealth ladder\u003c\/i\u003e 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 \u003cb\u003e\u003ci\u003efinancial makeover\u003c\/i\u003e\u003c\/b\u003e, she had paid off over $10,000 in debt in just three months.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eIn this book, you will discover: \u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\u003cb\u003eThe ways others are manipulating your behaviour and secrets to counter them\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e7 myths about debt that are keeping you impoverished\u003c\/li\u003e\n\u003cli\u003eWhy this book works for any budget\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003e5 reasons why your attempts to balance income and spending keep failing\u003c\/b\u003e\u003c\/li\u003e\n\u003cli\u003e Why you need to change your approach and how to succeed with money and finances\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003e21 makeover techniques for cutting debt and spending \u003c\/b\u003e \u003c\/li\u003e\n\u003cli\u003eWhy the philosophies of ancient Greece can help you control your spending\u003c\/li\u003e\n\u003cli\u003eWhy you need to develop a vision\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003e The secret reasons successful people don't need remarkable willpower\u003c\/b\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eAnd much more....including access to your bonus \u003cb\u003eFREE personal finance toolkit.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eThere 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  \u003cb\u003eThis book synthesises the best, discards the unworkable, and using \u003ci\u003epsychology\u003c\/i\u003e adds a new and unique approach to reaching your financial goals.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eDo you feel as a millennial your generation is at a massive disadvantage, with student debts, housing costs and uncertain income?\u003c\/p\u003e\u003cp\u003ePerhaps you have already tried to budget, spend less and have always failed?\u003c\/p\u003e\u003cp\u003e\u003cb\u003eThis 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 \u003c\/b\u003e\u003c\/p\u003eIf you want to be debt free and financially prosperous, then scroll up and click the \"Buy Now\" button.\u003cdiv\u003e\n\u003cstrong\u003eNumber of Pages:\u003c\/strong\u003e 178\u003c\/div\u003e\u003cdiv\u003e\n\u003cstrong\u003eDimensions:\u003c\/strong\u003e 0.41 x 7.99 x 5 IN\u003c\/div\u003e\u003cdiv\u003e\n\u003cstrong\u003ePublication Date:\u003c\/strong\u003e December 09, 2020\u003c\/div\u003e","brand":"Books by splitShops","offers":[{"title":"Default Title","offer_id":51786779754784,"sku":"9798578926518","price":22.88,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0974\/9764\/5344\/files\/43dfe55ab310bc61c3fb54fcb7da4d39.webp?v=1780639758","url":"https:\/\/ebocreations.com\/products\/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-paperback","provider":"The E-Book Oasis LLC","version":"1.0","type":"link"}