Finally! A book that shows you how to live Broke-Free Forever with proven methods and practices. Broke-Free Forever has more to offer than any other book on personal money management. Broke-Free Forever provides insights into the why behind our money behaviours, and provides the how to make successful change with a focus on three areas: self awareness, financial literacy, and critical behaviour change factors. You will explore your own money behaviours and the drivers behind them. You are given the knowledge and tools to modify your money-behaviours based on theories, methods and practices from the fields of psychology, health and business. With Broke-Free Forever you will learn how to modify your behaviour, improve self-control, and make better short and long-term money decisions while transitioning successfully from your current financial position to your desired financial position. You will learn: proven reasons why budgets don’t work, and how to overcome them tricks to break barriers and improve your self-control how your (and others') personality contributes to your choices how to fix the discrepancy between how money enters and exits your life secrets to creating a personally relevant and easy-to-follow action plan the 3 true costs of debt and tips for managing your credit worthiness secrets to the transition between setting and achieving goals Pam's 6 rules of engagement for dispute resolution and conflict management and much, much more! Each book comes with access to the free 12 Week Program and e-coaching support! As seen on Global BC TV Morning News View Table of Contents ... "I made it through 55 pages of the book, up to Module 4. I have started to write down my goals as well. I think your including the reasons why people spend rather than just ‘how to fix the problem’ is very helpful. Insight as to the reasons that motivate people are a good wake up call for the reader! I look forward to meeting you at the seminar. Thanks for writing your book!" Lisa M.