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Why Am I Broke? Again!

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

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Why Am I Broke? Again!

By: Chris Penman
Narrated by: Jamal West
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About this listen

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)2024 Chris C Penman
Personal Finance Personal Success Stress Management
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Fantastic

Really helped me manage my money better made a lot of sense also easy to listen to with some really interesting chapters

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Love it

Good listen. Really talks about the importance of money management and that is a crucial topic. Great book!

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Makes so much sense

Fantastic book, definitely worth a listen! For the last while I’ve wondered where all my money has been going every month. After listening to this book, I am now going to go through all my subscriptions and cancel the ones that I haven’t needed/used lately. Silly things like that quickly add up and slyly increase in cost without you noticing.

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Super Insightful

Jam packed full of key information on how to better manage your monetary situation. Helped me dig deeper into my monthly outgoings and really analyse what was important.

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The most useful book I have read / listened to this year!

Well written, informative and incredibly useful for everyone. Great tips to help save money / avoid spending unnecessarily, and really made me think about the many ways that social media and the Internet encourage us to spend. Made me review all my subscriptions and direct debits and review all aspects of my finances. Reading this years ago would have been very beneficial! Highly recommend.

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written from first hand experience

It's easy to get to the end of the month and wonder where exactly your money went, we have all done it and we've all scratched our heads and thought how on earth did i manage to spend that amount of money so quickly.

but the world is set up to make this happen

i've just bought a new phone, and every two minutes it seems the thing shows me an advert for something i may want to buy, based on my location - just walked past the shop, based on the time - maybe it's time to order food, based on my recent internet history, just looked up a manual for my washing machine - now i'm getting ads trying to sell me one and also trying to sell me different pdf manuals for literally everything in my house.

the whole world is trying to separate you from your money, even i am writing this review!

the real trick is - being aware that this is happening.

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The title made me laugh but its' SO TRUE

Well done for pointing out the obvious - but then if you completely ignore these obvious drains on your money are they actually that obvious at all? that's the question i was asking myself, along with how lazy/stupid i've been not to simply cancel unused subscriptions or buying food i then waste.

covid turned us all into just eat fanatics but have we all really forgotten how to cook?
do we really need 5 different streaming services only to then not find anything to watch?
my virgin account alone is almost £100 for rubbish tv and even worse broadband and i get unlimited data on my mobile anyway - do i even NEED broadband?

what an eye opener this book was.

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A Masterclass in Financial Awareness

Chris C. Penman's *Why Am I Broke? Again!* offers a clear and engaging guide to understanding and managing personal finances. Penman identifies common spending triggers and provides practical strategies for smarter spending. This book is a must-read for anyone looking to achieve financial stability and break the cycle of financial struggle. Highly recommended!

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