Does your day disappear before you get anything done? Do you check your bank statement at the end of the month and can’t explain where the money went?

This 24-page book reveals the real reason: apps and ads are deliberately designed to drain your time and money together — it’s not a lack of willpower.

What’s inside:

• How technology steals your time without you noticing (and how to reclaim it)

• Why we waste money even when we think we’re careful

• 3 practical time-management systems (Pomodoro, Time Blocking, Eisenhower Matrix)

• A 20-minute plan to break free from phone and notification addiction

• The Three-Envelope budgeting rule for a simple personal budget

• Saving and investing basics for beginners

• A practical 30-day plan to put it all into action

Who it’s for:

Anyone who feels their time and money are slipping away without control, and wants immediate, practical steps rather than theory.