Money Habits Nobody Taught You

Think about how much time you spent at school learning things you have never used again, and how much time anybody spent teaching you what to do on the day your first salary arrived. For most people the answer is none. Then a sum of money lands in an account and you are expected to know what to do with it, forever, surrounded by an industry that profits from your confusion and then tells you the problem is your character. It is not your character. It is a set of habits nobody showed you. This book is about those habits. Working out the gap between what you earn and what you keep, which is the number that decides your life and is not your salary. The ninety minute audit that shows where the money actually goes. The three kinds of spending, and why the invisible kind is the only one you can cut for free. Paying yourself first, because willpower is not a plan. The buffer that turns emergencies back into inconveniences. Debt, in the order that actually works, without the moralising. And the parts most money books leave out: supporting family, lending inside a family, weddings and obligations, sharing money with the person you live with, income that arrives unevenly, the raise that disappeared, and what to do when there genuinely is not enough, which no amount of budgeting solves. Twelve worked decisions, before and after. No promises about getting rich. One short, careful chapter on investing and a clear statement of what this book is not, because anybody who gives you specific advice about your money without knowing your circumstances is selling something.

• Why the number that decides your life is the gap, not the salary
• A ninety minute audit that beats any budget you will abandon by March
• How to save without relying on willpower, by turning decisions into arrangements
• The repayment order that actually shrinks debt, and the consolidation trap that resets it
• How to handle family money, lending and obligations without damaging the relationship
• What to do when the income genuinely does not cover the costs, in order of consequence

• Anyone who earns a normal amount and cannot work out where it goes
• People who have never had a month of expenses saved
• Anyone carrying debt who has been shamed rather than shown what to do next
• Freelancers, drivers, traders and anyone whose income arrives unevenly
• People who send money home, or who are expected to pay for family occasions

1. 01Introduction: You were never taught this, and that is not an accident
2. 02Part One: What is actually happening
3. 03Part Two: The habits
4. 04Part Three: The parts nobody writes about
5. 05Part Four: After the habits
6. 06Closing: The one hour money reset
7. 07Appendix: Twelve money decisions, before and after

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