Items related to Divorced at 40, Free at 45: My Second Financial Life:...
Divorced at 40, Free at 45: My Second Financial Life: A Proven Plan for Women Starting Over After Divorce: A woman’s journey from financial abuse to ... stories of people Escaping the rat race) - Softcover
Book 3 of 16: Financial Freedom Files ? Narrated stories of people Escaping the rat race
Synopsis
Starting over after divorce can feel like rebuilding your entire financial life from zero. For women divorced after 40, this story-driven financial recovery guide offers practical steps to budget on one income, rebuild credit, pay down debt, build savings, and reclaim confidence after abuse.
At forty, June Simmons walks away from a financially controlling marriage with $173.22, a worn laptop, and no clear roadmap. She has no sudden windfall and no perfect plan. Her second financial life begins with rent, groceries, a basic spreadsheet, and one rule: every dollar gets a job.
Divorced at 40, Free at 45 combines an emotionally honest story with practical personal finance for women who are starting over after divorce, separation, or economic control. As June learns to manage one income, face debt created in her name, build an emergency fund, and make independent money decisions, she discovers that budgeting can be more than restriction. It can become protection, clarity, and choice.
This is not a lecture filled with flawless numbers or unrealistic promises. It is a realistic journey through fear, mistakes, small wins, difficult conversations, and steady progress. Readers see how financial abuse recovery can begin quietly: opening an account, tracking one expense, making one creditor call, and creating a plan that reflects real life.
Inside the story, you will learn how to:
- Create a zero-based budget using the income you actually have
- Use the cash envelope method without shame or complicated systems
- Separate needs, wants, savings, and debt payments
- Rebuild credit after divorce and communicate with creditors
- Compare the debt snowball and debt avalanche methods
- Build an emergency fund while managing urgent bills
- Plan for irregular expenses and changes in cash flow
- Recognize emotional spending and connect money choices to personal values
- Turn small weekly routines into a repeatable money-management system
The book also includes 10 practical budgeting worksheets designed to help readers move from reflection to action. These include a real-life budget checklist, debt inventory and payoff plan, savings goals tracker, income and cash-flow planner, values-based spending exercise, emotional spending journal, credit-building basics, no-spend tracker, affirmations for financial reclamation, and a quarterly financial health checkup.
This financial recovery guide is especially relevant for:
- Women starting over after divorce or separation
- Readers rebuilding their finances after financial abuse
- Women learning budgeting for beginners on one income
- Anyone working to repair credit, reduce debt, and create savings
- Readers who want a story-based alternative to a dense finance manual
- Women who were told they were “bad with money” but were never given control of it
June’s journey moves from survival budgeting to a life shaped by greater knowledge, stability, and purpose. She learns in library corners, late-night spreadsheet sessions, and difficult phone calls. Over time, she becomes capable not only of managing her own money, but of helping other women understand theirs.
Divorced at 40, Free at 45 does not promise instant wealth or a perfect recovery. It shows how financial independence can grow from ordinary decisions repeated with courage: one account, one worksheet, one boundary, and one dollar given a purpose.
You are not too late to understand your money. You are not too old to rebuild your confidence. And you are not starting from nothing—you are starting with experience, awareness, and the right to create a second financial life on your own terms.
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Divorced at 40, Free at 45: My Second Financial Life: A Proven Plan for Women Starting Over After Divorce: A woman's journey from financial abuse to f
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Divorced at 40, Free at 45 (Paperback)
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Paperback. Condition: new. Paperback. Starting over after divorce can feel like rebuilding your entire financial life from zero. For women divorced after 40, this story-driven financial recovery guide offers practical steps to budget on one income, rebuild credit, pay down debt, build savings, and reclaim confidence after abuse.At forty, June Simmons walks away from a financially controlling marriage with $173.22, a worn laptop, and no clear roadmap. She has no sudden windfall and no perfect plan. Her second financial life begins with rent, groceries, a basic spreadsheet, and one rule: every dollar gets a job.Divorced at 40, Free at 45 combines an emotionally honest story with practical personal finance for women who are starting over after divorce, separation, or economic control. As June learns to manage one income, face debt created in her name, build an emergency fund, and make independent money decisions, she discovers that budgeting can be more than restriction. It can become protection, clarity, and choice.This is not a lecture filled with flawless numbers or unrealistic promises. It is a realistic journey through fear, mistakes, small wins, difficult conversations, and steady progress. Readers see how financial abuse recovery can begin quietly: opening an account, tracking one expense, making one creditor call, and creating a plan that reflects real life.Inside the story, you will learn how to: Create a zero-based budget using the income you actually haveUse the cash envelope method without shame or complicated systemsSeparate needs, wants, savings, and debt paymentsRebuild credit after divorce and communicate with creditorsCompare the debt snowball and debt avalanche methodsBuild an emergency fund while managing urgent billsPlan for irregular expenses and changes in cash flowRecognize emotional spending and connect money choices to personal valuesTurn small weekly routines into a repeatable money-management systemThe book also includes 10 practical budgeting worksheets designed to help readers move from reflection to action. These include a real-life budget checklist, debt inventory and payoff plan, savings goals tracker, income and cash-flow planner, values-based spending exercise, emotional spending journal, credit-building basics, no-spend tracker, affirmations for financial reclamation, and a quarterly financial health checkup.This financial recovery guide is especially relevant for: Women starting over after divorce or separationReaders rebuilding their finances after financial abuseWomen learning budgeting for beginners on one incomeAnyone working to repair credit, reduce debt, and create savingsReaders who want a story-based alternative to a dense finance manualWomen who were told they were "bad with money" but were never given control of itJune's journey moves from survival budgeting to a life shaped by greater knowledge, stability, and purpose. She learns in library corners, late-night spreadsheet sessions, and difficult phone calls. Over time, she becomes capable not only of managing her own money, but of helping other women understand theirs.Divorced at 40, Free at 45 does not promise instant wealth or a perfect recovery. It shows how financial independence can grow from ordinary decisions repeated with courage: one account, one worksheet, one boundary, and one dollar given a purpose.You are not too late to understand your money. You are not too old to rebuild your confidence. And you are not starting from nothing-you are starting wit Shipping may be from multiple locations in the US or from the UK, depending on stock availability. Seller Inventory # 9798296732194
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Divorced at 40, Free at 45: My Second Financial Life: A Proven Plan for Women Starting Over After Divorce: A woman's journey from financial abuse to ... stories of people Escaping the rat race)
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Divorced at 40, Free at 45
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Divorced at 40, Free at 45
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Divorced at 40, Free at 45 : My Second Financial Life: A Proven Plan for Women Starting Over After Divorce : A woman's journey from financial abuse to freedom and a six-figure savings
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Taschenbuch. Condition: Neu. Neuware - 'YOU DON'T NEED TO OWN THE HOUSE. YOU NEED TO OWN THE MATH.'Are you starting over from zero Do you feel like your financial future was stolen from you June Simmons had the suburban dream: the two-story house, the husband, and the mortgage. But behind the beautiful curtains was a dark secret: Financial Abuse. She wasn't allowed to touch the checkbook. She didn't have a resume. She didn't even have a bank account in her own name.At 40, June walked away from a decade of control with nothing but $173.22, a cracked laptop, and a journal full of hope. Five years later, she reached six figures in savings and achieved a level of peace she never thought possible.This isn't just a story. It is your roadmap to sovereignty.In Divorced at 40, Free at 45, the first volume of the Financial Freedom Files, the brand Dollar by Dollar delivers a raw, tactical, and deeply empathetic manual for any woman who has ever whispered, 'I can't afford to leave.'This book proves that you are not starting over; you are starting wiser.INSIDE THIS FINANCIAL RECOVERY BLUEPRINT, YOU WILL DISCOVER: - THE 72-HOUR RULE: The exact psychological system June used to kill 'reactive spending' and reclaim her power over every cent.- THE DIGNITY FUND: Why your budget is failing because it lacks a category for self-respect-and how to build one.- CREDIT RECLAMATION: A survivor's step-by-step guide to rebuilding a score destroyed by a partner without feeling overwhelmed.- THE ENVELOPE ARCHITECTURE: How to manage 'survival math' until it naturally evolves into 'wealth math.'- EMOTIONAL WEALTH: How to stop seeing debt as a character flaw and start seeing it as a solvable math problem.BONUS: 10 PRACTICAL BUDGETING WORKSHEETS INCLUDEDThis is more than a book; it's a toolkit. You will get immediate access to June's personal worksheets, including: - The Real-Life Budget Checklist- The No-Spend & Emotional Tracker- Credit-Building Basics for Beginners- The Debt Inventory & Paydown Plan- Values-Based Spending Alignment.and 5 more essential tools to automate your freedom.Stop surviving your money. Start managing your life.Whether you are currently in a controlling marriage, navigating a messy divorce, or standing on the other side wondering how to catch up, this book is your wake-up call, your roadmap, and your permission slip to live on your own terms.Join the thousands of women who are rebuilding their lives, one dollar at a time.Take the first step toward financial freedom today. Seller Inventory # 9798296732194
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Divorced at 40, Free at 45 (Paperback)
Print on DemandSeller: CitiRetail, Stevenage, United Kingdom
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Paperback. Condition: new. Paperback. She didn't splurge. She didn't forget to budget. She just married the wrong man-and stayed too long because she couldn't afford to leave.June was 40.Her marriage was over.Her bank account held $173.22.The ceiling was leaking. The fridge was empty. And the fear? It was constant.This isn't a story about walking away with a fresh start.It's about rebuilding from the wreckage-one envelope, one bus ride, one hard decision at a time.June didn't have a lawyer.She had a binder.And a promise to herself: "I will not disappear."This is not a rags-to-riches story.It's a return-to-self story.A true-to-life blueprint for women who've lost not just money-but direction, voice, and faith in their own power.In this honest, cinematic, and emotionally grounded narrative, you'll follow June's five-year journey from financial chaos to quiet, radical freedom-told through journals, corkboards, canceled subscriptions, and community circles.Inside, you'll learn: What financial abuse really looks like-and how to escape itHow June rebuilt her money system using envelopes, not appsHer method for color-coding budgets (Blue for survival, Green for sanity)The actual script she used to negotiate debt, bills, and second chancesHow she went from nearly homeless to financially whole-with nothing but consistency and courageBonus Worksheets Included Inside: These printable, life-tested tools are built from June's real plan-the one she used with a candle, a notebook, and a stubborn belief she could do it differently.You'll get: The Envelope Budget Starter Template Weekly Meal Plan + Grocery Stretch Guide "Buy Later" List to manage emotional spending Self-Talk Sticky Notes (mantras June kept on her mirror) Financial Abuse Exit Budget Planner Corkboard Tracker for Milestones, Bills & Mental Health The "This Is Wealth" Journal Reflection SheetThe 72-Hour Rule: How to kill "reactive spending" and start "intentional allocation."The Dignity Fund: Why your budget needs a category dedicated solely to self-respect.Credit Reclamation: A survivor's guide to rebuilding a score destroyed by others.The Envelope Architecture: How to manage survival math until it becomes wealth math.This isn't theory.It's truth on paper.What it feels like to stare at a leaking ceiling-and still find the strength to plan.If you've ever: - Stayed because leaving seemed unaffordable- Cried while canceling things you used to love- Whispered "I'll figure it out" without knowing how- Wished for peace more than paychecks-This story is for you.Real fear. Real math. Real freedom. From the "Financial Freedom Files" series- Real stories of people who walked away from the chaos and built a new life, one quiet decision at a time. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability. Seller Inventory # 9798296732194
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