Just finished reading a book by Larry Winget called
YOU'RE BROKE BECAUSE YOU WANT TO BELarry calls himself the PitBull of Personal Development. His no holds barred, no nonsense, in-your-face kind of book can rub some ppe. in the wrong way if they are used to all the "boo-boo, I feel your pain Dr. Philp kind of self help"
I picked up this book cos' I read his first book called SHUT UP, STOP WHINING AND GET A LIFE: A KICK-BUTT APPROACH TO A BETTER LIFE a couple of years ago.
At the beginning of the book, he differentiates between poor and broke. For many parts of the world, ppe. are just plain poor so the book is not for them. For Americans who lived in a country of prosperity, he said you are broke because you CHOOSE to!

Both books are hilarious and in-your-face. In the Broke book, he TRASHES all your excuses you give on Y you are broke and listed 12 ways to get ahead.
1. Know where you are
2. Take Responsibility for the situation
3. Feel bad about it. Experience Remorse
4. Make the decision for things to be different
5. Know exactly what you want your life to look like
6. Create an action plan to get there
7. Know what you are willing to give up to get what you want
8. Spend less than you earn
9. Figure out ways to earn more
10. Stop all unnecessary spending
11. pay off debts as quickly as possible and onlhy go into debt for things with long term value
12. Build a cushion. Save!
He runs a reality show in the US called BIG SPENDER where he will hijack those ppe. who spend beyond their means on national TV and then humiliate them to make sure they cut down their spending by going thro' all the bills they have and how much they earn...then he helps them cut down their debts in order for them not to live from hand to mouth, or like they say, paycheck to paycheck. The participants sometimes break down and cry on National TV

If you know someone who is spending beyond their means, like owning a car on a $2K/month salary and spending $1K/month on the car because "I need it"... this book is for them
Highly recommended for the out-of-control spenders.