Broke by Friday

Description

Most people looking for this have already tried the obvious thing. You’ve looked at the statement. You’ve found nothing outrageous. There’s no single purchase that explains where it went, and that is somehow worse — because if there were, you could stop doing it.

The reason the month doesn’t add up is that you’ve been auditing the wrong dimension. You’ve been looking at how much. The problem is usually when.

What this book argues

That the shape of a month is set by dates, not amounts. Money arrives on one or two days and leaves across thirty, and if six fixed costs land in the same week that the salary is furthest away, the month breaks — even though nothing was overspent, and even though the totals were fine.

That’s a timing problem, and timing problems don’t respond to budgeting. They respond to being seen. Almost nobody has ever written down, on one page, when their money actually moves.

Inside

• The Leak Map — the small, regular charges that never feel like decisions
• Why when beats how much, and what changes once you can see the dates
• The costs that arrive once a year and ambush you every time
• What a buffer actually is, and the least painful way to build one
• Why the first month of looking will be uncomfortable, and why it’s the only one that is

What this book will not do

It will not tell you what to do with your money. There is no investment advice, no strategy for debt, no recommendation of any bank, card, app or product, and no claim whatsoever about what you’ll earn or save. Where a decision carries legal or tax weight, it tells you to speak to someone qualified. What it offers is arithmetic and organisation — nothing more, deliberately.

Who this isn’t for

Anyone hoping to be told they’ll be fine. It doesn’t do reassurance. It also won’t help if your situation is genuinely one of not enough income rather than poor visibility — this book is honest about that difference on the first page.

Format: 120 pages, photographs throughout, read in one sitting. PDF, any device. Pairs with: the Money Reset Workbook, which turns the reading into four sittings of doing.

Instant download after checkout. PDF, on any device. All sales are final.