Why Am I Broke? Again!

Identify Your Spending Triggers, Master Your Money, Unlocking the Secrets to Smarter Spending

By: Chris Penman

Narrated by: Jamal West

How to Stop Wondering Where Your Money Goes Each Month Picture this: It's the end of the month and you’re checking your bank balance, baffled by how low the numbers look. You’ve worked hard, avoided big purchases, and yet, you're scraping through until payday. Or consider your weekly grocery shop; you go in for essentials and leave with twice as much, wondering how a quick shop turned into a wallet-emptying expedition. Then there are those evenings when a simple click swipes more from your account for yet another online subscription you thought you’d cancelled.

It’s not entirely your fault. In today’s fast-paced world, invisible spending traps are everywhere, especially for those on a fixed income. Clever marketing, easy credit, and the convenience of digital payments can make spending almost feel like it’s not real–until the consequences hit your bank account.

If you find yourself constantly puzzled by your dwindling bank balance, despite your best intentions to save, this book is your lifeline. It dives deep into the subtle culprits behind your financial drain and offers practical, actionable strategies to take back control.

Inside, you’ll discover:

Strategies to decode and manage your financial flow effectively turning mysterious spending into mapped-out money

Smart shopping tips and a digital detox plan that protect your purse from impulsive splurges and unseen expenses

A step-by-step guide to gradually boosting your earnings and achieving financial independence without sacrificing your daily joy.

This book is not just about saving money; it’s about transforming your financial mindset and habits. Embrace the guidance within, and start making smarter choices today. Say goodbye to month-end money mysteries and hello to a healthier bank balance!

©2024 Chris C Penman (P)2025 Chris C Penman