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Pless H: Um mein Geld kümmere ich mich
selbst

Um mein Geld kümmere ich mich selbst

Alle privaten Finanzen einfach + individuell + vernünftig selbst managen

Break Free from the Burden of Credit Card Debt-Once and for All

Are you tired of living paycheck to paycheck? Drowning in interest rates and minimum payments that never seem to shrink your balance? Understanding &amp; Overcoming Credit Card Debt is your roadmap to financial freedom.

In this practical, no-shame guide, you'll discover:How credit card debt really works-and why it's so hard to escape
The psychological traps that keep you spending
Proven strategies to pay off debt faster and smarter
How to rebuild your credit and confidence
Step-by-step planning tools to take control of your money for good



Whether you're just starting to feel overwhelmed or you've been struggling for years, this book will empower you with the knowledge, tools, and motivation to break the cycle. You don't have to be perfect. You just need a plan-and this is where it begins.

About The Author
Roggie "Raj" Clark is an entrepreneur and a 10-year marketing professional with a proven track record in e-commerce and digital business growth. Having built and managed successful online stores with thousands of sales and consulted for numerous marketing clients, Roggie has mastered the intricacies of online marketing, branding, and consumer behavior. He has also written several popular books on digital marketing, SEO (search engine optimization), and programming (HTML, CSS, and JavaScript).
As a former marketing manager at a fintech company-a role he secured through his own marketing and financial expertise-Roggie gained firsthand experience in financial strategy and wealth-building. This journey inspired him to share insights with amateur investors, helping them save money, make smarter financial decisions, and build long-term wealth. Raj currently lives in Maryland with his sister and niece.

Learn How to Payoff Your Debt, Repair Your Credit Score, and Live Debt Free

Understanding & Overcoming Credit Card Debt

Werde unabhängiger von der Rente

Berufseinstieg in die Altersarmut

Lois Éternelles d'Attirer et de Multiplier l'Argent

Le Flux de la Richesse

You're doing everything right and still drowning. You make the budget.

You skip the overpriced coffee. You transfer $50 to savings whenever possible. Then rent increases by $200, your student loan payment hits, grocery costs spike again, and you're right back where you started-broke, anxious, and wondering if you're completely failing at adulting.

Meanwhile, every personal finance expert keeps chirping about "compound interest" and "investing early" like you have a spare $500 monthly just collecting dust instead of the reality: you're trying to figure out if home-ownership is even possible before 40 or if that's just a fantasy your parents got to live.

Here's the truth they won't tell you:

You're not failing at money. Money is failing you.

Inflation has made the old advice obsolete.

"Spend less than you earn" doesn't mean much when everything costs 30% more than three years ago and your salary definitely didn't increase 30%.

The system changed, but the advice stayed stuck in 1995.

You need strategies built for right now, for high-cost-of-living cities you can't leave because of work, for student debt that won't quit, for 401ks that feel like a cosmic joke, for the reality of trying to build wealth when the economy is actively working against you.

Inflation Proof Your Broke Ass delivers 21 days of actual tactical moves designed for your messy, real-life situation.

This isn't about deprivation or shame. This is about defence, how to protect what you have, how to make strategic choices when everything feels like a bad option, and how to build something resembling financial security even when the economic deck is stacked against you. Each day brings one focused action: renegotiating bills with scripts that actually work, identifying which debts to attack first when you can't pay them all, finding hidden money in subscriptions and fees you forgot existed, positioning your career for inflation-beating raises, and making your existing money work harder through tactics that don't require thousands in starting capital.

Inside you'll find:
Debt triage strategies for when you can't pay everything
Rent and housing cost negotiations that actually succeed
Inflation-resistant income positioning ¿ Real investment starts under $100 monthly
HCOL city survival tactics ¿ Retirement catch-up plans for late starters
Emergency fund building on a broke-person timeline
Side income strategies that don't require you to become an influencer
Scripts for negotiating every bill in your life
The psychological reset needed to stop feeling like a financial failure.



This is the reality check for everyone told they're "bad with money" when really they're just living through an economic disaster while being gaslit by advice written for people who bought houses for $80,000.

In 21 days, you'll have a working defense system against inflation, a clear action plan for your specific debt situation, and actual breathing room in your budget.

Most importantly, you'll stop feeling like you're the problem. You'll see the system clearly and know exactly how to fight back.

The 21-Day Reality Check for When Everything Costs 30% More and Your Savings Are Getting Destroyed

Inflation Proof Your Broke Ass

You're doing everything the personal finance gurus told you to do. You budget.

You skip the avocado toast. You track every expense. But somehow, you're still living paycheck to paycheck while rent climbs, groceries cost double, and your savings account looks like a sad joke. Meanwhile, every finance book acts like you've got an extra $500 a month just sitting around and completely ignores the reality that everything costs 30% more than it did three years ago.

Here's the truth nobody's saying out loud: the old budgeting playbook is dead.

The strategies that worked in 2010-before student loan payments ballooned, before inflation destroyed purchasing power, before housing costs went absolutely insane-don't work anymore.

You can't budget your way out of systemic economic shifts. You need a completely different approach built for the financial reality you're actually living in right now.

The Paycheck to Paycheck Escape Plan is your 21-day system to stop spinning your wheels and start building actual wealth-even in a high cost of living city, even with debt, even when it feels like the deck is stacked against you.

This isn't another lecture about latte factors or generic advice to "invest early." This is the tactical playbook for escaping the paycheck trap when traditional budgeting has failed you.

Inside this book, you'll discover:

¿ The Inflation-Proof Income Strategy that stops your purchasing power from eroding (Day 3)
¿ Why your budget keeps failing and the 3-account system that actually works in 2024+ (Day 5)
¿ The Real Estate Reality Check: how to evaluate if homeownership makes sense for YOUR situation or if you're chasing a boomer fantasy (Day 11)
¿ The 401k Resurrection Plan for people who feel like retirement savings are pointless (Day 14)
¿ How to handle student loans, HCOL rent, and debt simultaneously without losing your mind (Day 7)
¿ The Side Income Accelerator that doesn't require you to become an influencer or start a drop-shipping business (Day 9)
¿ The Wealth-Building Framework that works when you don't have generational wealth or a trust fund (Day 18)

This isn't about deprivation.

It's not about living like a monk or moving to a town where rent is $600.

It's about building a financial system designed for the economic conditions you're actually facing-not the fantasy economy where a college degree guaranteed a house and a pension.

Every day for 21 days, you'll get one specific, actionable task.

No theory. No fluff.

Just clear instructions for people with messy, real-life financial situations who are tired of being told to "just save more" when inflation is eating their income alive.

Whether you're drowning in student debt, stuck in a HCOL city for work, anxious about whether you'll ever retire, or just exhausted from doing everything right but still feeling broke-this is your roadmap out. Stop budgeting like it's 2010. Start building wealth in the inflation era.

Scroll up and grab your copy now.

Your future self (the one who's not living paycheck to paycheck) will thank you.

How to Stop Budgeting Like It's 2010 and Start Building Wealth in the Inflation Era

The Paycheck to Paycheck Escape Plan

What if the richest Christmas of your life wasn't the most expensive one?
Rich Christmas in Lean Times is a practical and uplifting guide for individuals and families who want to create a meaningful, memorable, and abundant holiday season without sacrificing financial stability. In a world that often measures Christmas by spending, this book offers a refreshing alternative: measuring wealth through connection, preparation, creativity, and purpose.
Inside these pages, you will learn how to build a realistic holiday budget, protect your finances, reduce stress, and create traditions that become treasured memories for years to come. Discover how thoughtful planning can replace panic, how meaningful experiences can outshine expensive purchases, and how generosity can flourish even during difficult economic times.
From redefining holiday wealth to entering January stronger than before, this guide provides practical tools, exercises, journal prompts, and step-by-step strategies designed to help readers celebrate confidently and intentionally.
Economic hardship may change the shape of Christmas, but it does not have to diminish its magic.
Because true holiday abundance is not found in receipts, shopping carts, or credit limits.
It is found in warmth, gratitude, resilience, and the people gathered around us.

Rich Christmas in Lean Times

In einer Welt, in der Künstliche Intelligenz, Blockchain und Big Tech die Märkte in Rekordtempo umwälzen, stellt sich für Anleger nur eine Frage:&nbsp;
 

 Wie unterscheidet man einen nachhaltigen Trend von einer gefährlichen Spekulationsblase? "Tech Money" liefert die Antwort durch ein messerscharfes, datenbasiertes System. Anstatt auf vage Prognosen zu setzen, führt Igor Pejic die Leser durch 100 ausgewählte Charts, welche die verborgenen Muster der Technologiezyklen offenlegen. Sie lernen nicht nur, die Mechanismen hinter exponentiellem Wachstum zu verstehen, sondern entwickeln eine klare Strategie für den idealen Ein- und Ausstieg. Dieses Buch ist der strategische Masterplan für alle, die technologische Disruption nicht nur beobachten, sondern aktiv zur massiven Vermögensbildung nutzen wollen.

Börsenerfolg mit Alphabet, Nvidia und Co

Tech Money

You've done everything you were supposed to do. So why does it still feel like you're falling behind?

You work hard. You make responsible decisions. Yet one car repair, medical bill, or major home expense can wipe out months of progress and put you right back under pressure. Progress shouldn't be that fragile.

In How Normal People Get Rich, Josh Weaver explains why so many hardworking people stay stuck and lays out five clear steps to build financial stability and wealth that lasts.

Drawing on his background in risk management, original homeowner survey data, and real-world financial behavior, Josh Weaver lays out a clear path to:

¿ Get out of debt without living in survival mode
¿ Build savings so emergencies stop wiping out your progress
¿ Spend without guilt while still making financial progress
¿ Escape the car payment cycle and buy your next car with cash
¿ Buy a home without becoming house poor
¿ Invest consistently and build wealth without hype or guesswork

Most money advice relies on hype, shortcuts, or strategies that only work under perfect conditions. This is a grounded plan for people who want their money to stop falling apart when life gets expensive.

Stop starting over. Build something that lasts.

Includes free financial tools and templates.

Avoid the Traps. Build the Wealth

How Normal People Get Rich

Revised and expanded second edition. Welcome to the start of the rest of your life-the one where you aren't wandering in the (financial) dark without a flashlight. The one where you have a clear roadmap to your future, and mathematical confidence that you and your family can have the kind of life you dream of! This book contains thousands of dollars worth of professional financial planning advice, hints, tips, and hacks.

This book shows you how to take control and build your own financial plan, using high fidelity, inexpensive software, not the simplistic financial/retirement planning tools you find all over the internet.

I'll take you through some important general financial planning context, and then through the steps to building a financial plan for a sample family. Along the way, we'll discuss the different inputs and assumptions required for any financial plan, as well as how to interpret the results and put your plan into action.

This book will first take you through some general financial planning context, and then take you through the steps to building a financial plan for a sample family. Along the way, we'll discuss the different inputs and assumptions required for any financial plan, as well as how to interpret the results and put your plan into action. I'll minimize the use of screen shots, as they're quickly outdated and a detriment to those who need to or prefer to listen to audiobooks. I won't use them for pages with just a few simple inputs. It will also help to apply this book to high-fidelity financial planning tools other than the one I use (Pralana). This is not a user manual for that tool. I won't go into every obscure nook and cranny of Pralana, because it would get boring and those side areas aren't relevant to most people. This book is more of a casual, informative walk through how to use the tool to set up a financial roadmap for the average household, using an average household as our example. It is how I would guide you, as a client, to learning and using the tool for your benefit.

This is a book about creating your own financial plan, using a sample representative family and reviewing their configuration, optimization, and analysis. We cover the most commonly used settings, inputs, and assumptions, but simply can't delve into every seldom-used side case nook and cranny. The book would be quite unwieldy, not as useful, and certainly difficult to get through. The user manual is now built-in to the tool, context sensitive, comprehensive, and awesome, so please defer to it to clarify or add to anything in this book that you don't fully understand, as well as the extremely helpful user forum at the Pralana website. If you don't have a basic understanding of personal finance, investing, and retirement planning concepts, start with my companion book, Kiss Your Money Hello (and Financial Stress Goodbye). This theme of this book is simplicity, as you'll see. I didn't want to write a wieldy 400-page tome. I wanted something easily digestible, succinct, and to the point.

Create and Control Your Own Financial Plan

Plan Your Money Path

Nobody Tells You This About Money

"Stop Impulse Spending: Understand and Break Bad Money Habits" delves deep into the factors drivinguncontrollable shopping urges and provides the blueprint for financial recovery. Unlock a wealth of knowledgeabout impulse spending: 
-Discover the psychological triggers and environmental cues that tease you toward unnecessary purchases. 
-Learn how to construct a personalized budget that actually sticks and supports your financial goals.

Understand and Break Bad Money Habits

Stop Impulse Spending

¿Sientes que tu crecimiento tiene "techo" aunque tengas talento y ganas?
¿Te cuesta mantener constancia, visión y disciplina cuando los resultados tardan en llegar?
¿Quieres una estrategia mental clara para pensar en grande, actuar con intención y construir riqueza que siga creciendo? 
Si respondiste SÍ a al menos una de estas preguntas, sigue leyendo... 
La riqueza infinita no es suerte. Es un sistema de expansión.
Muchas personas avanzan... pero se frenan justo cuando podrían despegar:
se conforman con lo "seguro", cambian de rumbo cada semana, abandonan cuando el progreso no es inmediato, o se quedan atrapadas en metas pequeñas porque su mente todavía juega en modo supervivencia.
El problema no es tu capacidad.
Es tu enfoque, tu identidad y tu estrategia mental.
Porque el verdadero crecimiento no se trata solo de ganar más.
Se trata de convertirte en alguien que siempre puede crear más. 
Presentamos: Crea Una Riqueza Infinita
Principios, Hábitos Y Estrategia Mental Para Crecer Sin Techo
Este libro es una guía práctica para construir una mentalidad de expansión: pensar con visión, actuar con disciplina y sostener el crecimiento sin quemarte ni autosabotearte.
Dentro descubrirás cómo:
¿ adoptar principios que crean riqueza a largo plazo (no solo "dinero rápido")
¿ construir hábitos que multiplican resultados con consistencia
¿ desarrollar una estrategia mental para crecer sin miedo y sin límites autoimpuestos
¿ tomar decisiones desde la visión, no desde la urgencia
¿ salir del ciclo "empezar fuerte y abandonar" y entrar en el ciclo de expansión real
No es motivación vacía.
Es un marco mental para crecer con dirección. 
Imagina esto...
Te levantas con claridad. Sabes qué construir.
Dejas de perseguir mil cosas y empiezas a ejecutar lo que importa.
No te derrumbas cuando algo falla: ajustas, aprendes y sigues.
Tu progreso se vuelve acumulativo.
Tus resultados se vuelven inevitables.
Y tu crecimiento deja de depender del ánimo del día. 
Si estás listo/a para crear riqueza con principios sólidos, hábitos inteligentes y una mente preparada para expandirse, Crea Una Riqueza Infinita es tu siguiente paso. Empieza ahora-y crece sin techo.

Crea Una Riqueza Infinita

Um mein Geld kümmere ich mich selbst

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