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Publisher's Summary

Are you okay with not knowing what your financial life will look like in 10 years or more? Does debt make you feel anxious throughout the day and restless when it's time to sleep? Or perhaps you've almost given up and accepted that debt is part of your day-to-day reality? If so, then pay attention....

"If you think nobody cares about you, try missing a couple of payments." (Steven Wright)

The reality is that most of the stress and discomfort that people experience every day is largely caused by money woes. It is estimated that in most Western countries, up to 80 percent of people are tied to some kind of debt. 

Debt can go from being a minor inconvenience to have the potential to ruin lives in a short span of time. It's crucial to know how to navigate it and get out of its vicious cycle as soon as possible.

Most people believe that you are either good at managing your money or you aren't and take this for granted. However, this couldn't be much further from the truth.

In this book, you'll discover:

  • How to get out of all the debt you've accumulated in record time
  • How to effortlessly identify which type of spending is causing you the most damage
  • Learn how to stay on track, even if you make a few slip-ups
  • How to implement the easiest and most effective budget type based on your current needs (even if you totally hate budgeting)
  • And much more

Learning how to escape debt and be in control of your money can be easy if you have the right road map. It's not rocket science, and you'll wonder why you didn't start sooner. It can also have lots of positive benefits that will spill over into multiple areas of your life.

As with anything money-related, time is your best ally. Start making smart decisions and get quickly out of debt today by scrolling up and clicking the "Buy Now" button at the top of this page!

©2020 Zac M. Cruz (P)2020 Zac M. Cruz

What listeners say about Paycheck to Paycheck

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Very practical guide

This book was very insightful and full of many wonderful tips about how to live a stress-free life that is more happy. It is written in a positive way that leaves me feeling patient and inspired to keep on track. I'm happy I happened to run across this novel, because I think it's going to help me as I begin my journey.

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Highly recommend!

Has helped me manage my spending weekly and monthly! Buying another one for when this one runs out! Definitely recommend!

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Enjoyed this listen

Love how easy it is to keep track of expenses and bills. Keeps me so organized and I actually enjoy it now!

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Practical approach

Love the planner. Very straight forward and easy to use. Bigger than I thought it would be!

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Effective listen!

Perfect way to stay organized. My husband can look to see what has been paid and see our budget I wrote out.

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Awesome tactics!

I love how this budget planner is set up. There is lots of space for every day, with places to make a monthly, weekly, and daily budget for yourself! I cannot wait to see how this planner helps me realize how I am actually spending my money.

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Well organized!

I love it!! I'm always writing this stuff down. I can actually keep track of my expenses, very well organized, all of my friends and coworkers liked it as well.

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Highly recommend!

Good product. My husband and I write our month budget and our daily expenses. I highly recommend it.

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Helpful audible

This product really has positive elements for sure. I just hope it can be made even better to further serve the buyer. I hope this review helped someone. Thanks for listening.

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Learned a lot!

Love this! It has helped my family start to save money and we’re doing better each month. Writing it out and seeing it has been a life saver that I didn’t know I needed.

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  • Anna Bray
  • 02-09-21

Realistic and useful audible

I would recommend this to anyone trying to budget, keep top of your finances, or just as another tool in managing day to day household expenses.

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  • Connor Hewitt
  • 02-09-21

Very helpful for anyone

Love it! Super helpful and simple to use, especially for someone just starting out in budgeting. It also has yearly goals which is great. Would also be nice to have a 6 month re-evaluation though.

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  • Hayden Farrell
  • 02-09-21

Well organized!

Nice undated budgeting book. Great to keep organized with where your money goes and to keep track of expenses. Great quality.

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  • Harriet Alexander
  • 02-09-21

Easy learning!

If you are interested in planning your finances this is an easy way to do it!

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  • Benjamin Holt
  • 02-09-21

Perfect guide

This is exactly what I was looking for to get myself organized with expenses! I love that there are sections so it’s more detailed which is perfect for me! I would definitely recommend!

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  • Toby Rose
  • 02-08-21

Highly informative

I look forward to working to become a Minimalist. I really enjoyed listening this book. It is highly recommended to anyone who would like to know more about the Minimalist lifestyle.

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  • Alex Barrett
  • 02-08-21

Helped me a lot!

Love this planner! Budgeting has always been a struggle for me, but this has helped immensely!

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  • Holly Moran
  • 02-08-21

Realistic and useful audible

I bought my first book because I needed something simple to replace my steno pad method of tracking expenses. It turned out to be a great way to help my adult kids learn to budget and track their expenses as well.

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  • Lydia Dyer
  • 02-08-21

Great purchase!

Love this planner! Exactly what i was looking for. Feels great and love the amount of space they give you for all your budgeting needs.

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  • Kayleigh Naylor
  • 02-08-21

This book is amazing!

Love!! Using this book and budgeting has really helped! It’s daily cash spending keeps you aware of spending habits!