Discover devastatingly effective secrets for money management, personal finance, and how to budget. Find out how thousands have become debt-free using these steps no matter how much they owed. You can laugh at money worries and become debt-free if you follow these simple solutions....

This is a bundle containing book one (Perpetually Broke - Living Beyond Your Income) and book two (Crush Debt Now!) in the Personal Finance Wizard series.

This is for you if you find yourself spending more than you earn and struggling to balance debts, cut spending, and save. If you want simple, proven, practical advice for your money that doesn’t assume any prior knowledge of personal finances or budgeting, then this book is aimed at you.

In this book, you will discover:

• Understand your debts and how and why they are draining your health and wealth.
• Discover if your debt is unsustainable
• Seven myths about debt that are keeping you impoverished
• Five reasons why your attempts to balance income and spending keep failing
• Twenty-one makeover techniques for cutting debt and spending
• The secret reasons successful people don’t need remarkable willpower
• How to negotiate with your creditors - and win!
• What to do if your creditors attempt to sequester your assets or wages
• How to fight debt collections calls
• When not to use loan consolidation and why these are frequently scam attacks
• How and when to use nuclear options of bankruptcy and insolvency
• And much more

There are many other books on personal finances, financial freedom, and money makeovers, and you may be thinking of buying one of them instead. Don’t! This book synthesizes the best, discards the unworkable, and using psychology adds a new and unique approach to reaching your financial goals.