Nobody Wants Your Broke Excuses: The Art of Fixing Your Finances Before You're Properly F*cked (Paperback) (ISBN-13: 9798257774973)

Every month it's the same story: you stare at your balance ten days before payday wondering where it all went. The answer, if you're honest, is that it went on stupid sh*t - subscriptions you forgot about, takeaways you didn't need, courses at twelve percent complete, and a gym membership you are absolutely going to use next month.

Nobody Wants Your Broke Excuses is the book your accountant wished they could write and your best friend is too polite to say. No jargon. No charts. No lecture about lattes. Just straight-talking, occasionally sweary advice that'll make you laugh, wince, and actually do something about your money - in that order.

You'll learn how to:

• Do the spending audit that shows you exactly where your money is going (spoiler: it's worse than you think)
• Stop paying a monthly fee to feel like a person who invests in themselves
• Face your debt - all of it - and actually clear it
• Start building the pension and emergency fund your future self is desperately counting on
• Earn more - by asking for the raise you've been too polite to mention
• Build a simple, automatic money system that works even when you don't feel like thinking about it

This book is for people in their 30s, 40s, and 50s who earn decent money and still somehow have none. People who know better and keep not doing better. People who are ready - finally, actually ready - to stop making the same financial mistakes indefinitely.

Nobody wanted your broke excuses. Now nobody's going to hear them.