How to achieve financial stability, without working overtime, even if you're drowning in debt

Are you kept up at night worrying about your finances? Wondering how you're going to make that paycheck stretch over the entire month?

America's Debt Help Organization estimates that 87% of people aged 36 to 44 are in debt. Even more shockingly, though, the average personal debt in December 2018 for this age group was $135,768.

At some point in their life, almost every adult has questioned where they will find a down payment for their house, or how they will finance their children's college tuition.

However, what's even more frightening are the situations that we cannot predict. If there is one thing that people have learned from the COVID-19 pandemic, it's that we can never fully predict what is going to happen. In December 2019, who would have predicted that only a few months later, millions of people across the world would lose their jobs? For that exact reason, having savings to catch you when you fall is absolutely essential.

The thought of reducing your spending to achieve a financial goal can be overwhelming. Therefore, A Spender's Guide to Saving will teach you the simple steps you need to know in order to put an end to the sleepless nights.

In A Spender's Guide to Saving, you'll discover:

• The psychological reasons behind why we spend, save and accrue debt
• The quickest and most effective ways to pay off your debt
• How to keep credit as your best friend rather than your worst enemy
• The most effective tools for tracking your spending
• Why you aren't currently making your money go as far as it can
• The best action to take with the money that you have saved
• Three detrimental mistakes that people make when trying to save
• The safest investment options for new investors

The most common reason for failure when trying to save comes from a lack of enthusiasm. When people aren't spoon-fed the specific answers to their financial problems, they feel that it is easier to remain in their unfavorable situation.

In the UK alone, 39% of adults do not feel confident managing their money. This is because it is not a skill that we are taught from a young age and, therefore, the burden falls upon us to educate ourselves.

When I tried to set up my very first business with my brother, we failed miserably because we were completely uneducated about the importance of cash flow. Now, I have been a personal finance coach for almost ten years and have driven many clients to financial stability.

So, even if you are drowning in debt and don't know a thing about personal finance, you can become the perfect saver.