Working hard but still living paycheck to paycheck? This short, no-fluff guide shows you how to plug the money leaks that keep you broke -- and replace bad money habits with simple, repeatable wins.

51 Habits That Are Keeping You Broke helps you spot the everyday decisions that drain your wallet -- then gives you practical steps to fix them. In under 120 pages, you'll learn how to stop overspending, build an emergency fund, and make progress even on a tight income.

Inside, you'll learn how to:

• Break the paycheck-to-paycheck cycle with a simple budgeting method that actually sticks.

• Build your first emergency fund without feeling deprived.

• Escape the minimum-payment trap and attack credit card debt strategically.

• Cut impulse spending, fees, and unused subscriptions -- without complexity.

• Use "pay yourself first" to save and invest on autopilot.

• Avoid lifestyle inflation and keep more of every raise.

What you'll gain:

• A clear picture of where your money goes and a simple budget you can actually stick to.

• A step-by-step start on your emergency fund -- first $500-$1,000, then a path to 3-6 months.

• A plan to stop relying on credit cards for daily spend and to pay more than the minimum so balances drop faster.

• Ways to cut recurring waste -- cancel unused subscriptions and avoid hidden bank fees.

• Habits to avoid lifestyle inflation and to pay yourself first by automating savings and investments.

• Practical steps to protect and improve your credit score through better day-to-day behavior.

• Mindset shifts to curb impulse buys, emotional "retail therapy," and FOMO-driven spending.

Who this book is for:

• Anyone who works hard but sees their money disappear each month.

• Beginners who want a simple plan to stop living paycheck to paycheck.

• Busy professionals earning well but saving little.

• Students and new grads setting strong money habits from day one.

• Parents and couples who want less money stress at home.

• Side-hustlers, freelancers, and gig workers with uneven income.

• Anyone carrying credit card balances or getting hit with bank fees.

• Shoppers fighting impulse buys, subscription creep, and lifestyle inflation.

• Readers who prefer practical steps over theory.

How to use it: Skim the table of contents for 10 minutes and mark the five habits costing you the most. Each week, choose one or two from your list. Read that habit's pages, use the guidance and examples to see how it shows up in your life, then make one change that reduces the leak and note the dollars you keep. Move to the next habit the following week and keep cycling until your cash flow shifts.

"Small steps. Fast wins. Real money saved -- starting today."

If you're ready to stop money leaks and start building real security, add this book to your cart now.

• We started tracking this book on August 14, 2025.
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• Business & MoneyPersonal FinanceBudgeting & Money ManagementBudgeting
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• Publication Date: October 29, 2024
• Text-to-Speech: Disabled
• Lending: Disabled
• Print Length: 115 Pages
• File Size: 12 KB