• 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
  • Length: 3 hrs and 7 mins
  • Unabridged Audiobook
  • Categories: Money & Finance, Personal Finance
  • 5.0 out of 5 stars (25 ratings)
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Publisher's Summary

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

What listeners say about SimpleCents Guide to Manage Your Money

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Really opened up my mind

This book has really opened up my mind about debt. The book is a success, and for each of them, it becomes very clear and easy to understand. I've read this book, and I've seen each topic accurately. This book is helpful, and then every subject is very simple and straightforward.

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I like all the tips and listen to this every time

I like all the tips and listen to this every time I need help. I enjoyed the practical examples and metaphors that show just how much debt can eat away at the things we care about. The book shows how you can prioritize your money so that you can have financial stability even in the rough times.

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This was Great

As someone not familiar with this books content, I learned a lot. So much that I had to listen to it twice. The narrator is really great too and kept the content interesting and easy to listen to.

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Helpful information!

I enjoyed listening to this audio book. It is important that you make clear and specific goals. If you have many tasks you need to complete make sure to take it one step at a time and cross out each task you accomplish to avoid getting overwhelmed. Very good audio book with lots of helpful information!

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Good audio book

The material is easy to understand. good for new entrepreneurs who doesn't have background in business. Good audio book.

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Enjoyable to listen to, with practical tips.

I really enjoyed listening to this book; some nuggets here and there. It's one of those that you can listen to in the background while doing errands; which is my favorite style of books. For me personally, I resonated to the willpower section due to something in my personal life.

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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.

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Very Helpful

This audio book doesn't beat around the bush and it is good to listen. The author doesn't hesitate in sharing his story and being honest about his mistakes and what he values, which is refreshing and makes the book entertaining.

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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.

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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.

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  • William Simmons
  • 04-07-21

Guided me in every decision

The book was very informative and able to guide me in every decision I make about my personal finances. I became more economical than before. I always make sure to spend wisely and never buy stuff that I do not need. I always prioritize the primary expenses I need to pay like house rentals, electric bills, water bills, and the internet. Thanks for this helpful guide. I was lucky to have this!

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  • Aimee Fowler
  • 04-07-21

Liked it

Through this guide, you’re about to learn time-tested strategies for winning your battles with debt by grabbing this book. The author also shared some strategies for increasing your income, as well as some important precautions you can take to minimize the risk of unforeseen events ruining your plans. Consider this book if you want to save your finances!

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  • Paige Bradshaw
  • 04-07-21

Enjoyed listening

This book helped me with my personal finances- how to spend, save, and manage my personal budget. There's a lot of other great advice like managing your credit, determining how to save for the things you want and need, and how you can have a better relationship with money, creating a positive experience in money management as opposed to the stress many people feel when they manage their finances. Great book. Enjoyed listening!

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  • Gracie Humphreys
  • 04-07-21

Amazing introduction

Very good general information for the first time reader of financial information. This is a must-have for those who are learning how to budget and save and especially to begin the steps of building your finances. An amazing introduction to building wealth, investing, financial management in a modern age, and so much more.

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    5 out of 5 stars
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  • Leon Bates
  • 04-07-21

"I found a lots of advice in this audio book "

"This audio book has been one of the most helpful audio books I have listen. I found a lots of advice in this audio book. I would highly recommend this audio book to anyone."

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  • Kyle Rahman
  • 04-06-21

It has sparked my interest.

"Topics are broken down and discussed in a clear and concise way. For those that are just starting out and have no experience in this area, the content is helpful in creating your own personal structure. For those that have experience, it's a good way to find out if you've stayed the course or drifted away from your goals over time. i highly recommend this one!"

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  • Rosie Wallace
  • 04-06-21

More Informative

"This book made me think about important matters, and it's given me tools to take action to change my financial situation. It's also perfect and on point which I appreciated. If you listen to one book about managing your finances, this is the one!"

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    5 out of 5 stars
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  • Christopher Woodward
  • 04-06-21

Worth the read

"Excellent audio that helps you expand your mind and think a little more broadly with less limitations. I've struggled with limiting beliefs, I know many people that do. It's a nice thing to have a mind shift that helps you make bolder decisions."

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  • Naomi Carpenter
  • 04-06-21

Love it, very meta

"Takes you inward and reshapes your thoughts through repetition. Needed in today's world. You'll go so much farther with a better mindset. Keep listening and think better thoughts for better actions and outcomes."

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  • Corey Woodward
  • 04-06-21

very good audiobook

I was shocked with the number of data is during this audio book that gets you started on the correct path. I listened to that doubly and took notes thus I might march on to one thing with additional depth in sure areas. nice for starting your money journey.!