Description

Book Synopsis
Join TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance.

In Own Your Money, Michela shares all the tools you need to manage, save, invest, and set a routine to improve your financial life. You’ll find chapters for:
  • Budgeting: Don’t make it a dreaded B-word! Learn about various strategies including 50/30/20, zero-based, and 3-bucket budgets.
  • How to save: It’s all about being SMART (specific, measurable, achievable, relevant, and time-bound).
  • How to spend money: That’s right, a plan for spending is important too! With a quick analysis of values and priorities, you can spend without feeling guilt—yes, even on fancy coffee.
  • Investing: Learn the difference between 401ks and IRAs, investment types from index funds to target date funds, and relate it all back to core concepts in investing (like diversification). <

    Table of Contents
    Contents
    Introduction
    The Hardest Years of My Life Were the Best Thing
    That Happened to Me
    Lesson #1: Once the Bills Start, They Never Stop
    Lesson #2: If You’re Serious About Saving, You Must
    Prioritize and Make Sacrifices
    Lesson #3: Your Life is a Result of Your Choices
    Lesson #4: You Can Find Happiness Working a 9 to 5 Job
    Chapter 1: Get Organized, Get Started
    Pull the Blinds Back: What is Your Financial
    Situation Right Now?
    Your Financial Snapshot
    Phase 1: Laying the Groundwork
    Phase 2: Assess Your Cash Flow
    Phase 3: Your Monthly Output
    Phase 4: The Details
    Financial Framework for Success
    Net Worth: The Most Important Measure of Your Finances
    What is Net Worth?
    Ways to Increase Your Net Worth
    The Bottom Line
    Chapter 2: Budget Is Not a Bad Word
    Budget Myth-busting
    Building a Foolproof Budget
    Step 1: Zero-based Budgeting
    Step 2: The Three-bucket Budget
    Step 3: 50/30/20 Budgeting
    Budgeting Tools
    Budgeting Spreadsheets
    Budgeting Apps
    Chapter 3: How to Set and Reach Your Financial Goals
    Setting Financial Goals the Right Way
    SMART Goal-setting Method
    Specific Goals
    Measurable Goals
    Achievable Goals
    Relevant Goals
    Timely Goals
    Incorporate Your Goals into Your Plan
    Prioritize Your Goals
    Order of Operations
    Saving Beyond the Order of Operations
    Financial Goals Examples
    Chapter 4: Spend Your Money on Things That Matter
    Stop Spending Money on Sh*t You Don’t Care About
    1. Overspending
    2. Treating Your Credit Card Like Free Money
    3. Emotional Shopping
    4. Lifestyle Inflation
    5. Avoidance
    The Benefits of Conscious Spending
    1. You Don’t Have to Focus on Spending Less Money
    2. You Can Buy Things You Actually Want
    3. You Will Have Money to Fund Your Goals
    4. You Will Feel More Financially Confident
    Chapter 5: Investing? Never Heard of Her
    Saving Isn’t Enough
    Compound Interest: The Eighth Wonder of the World
    Set Yourself Up to Invest
    Layer 1: Employer 401(k) + Match
    Layer 2: Individual Retirement Account (IRA)
    Layer 3: Taxable Investment Account
    Optimize Your Strategy with Automation
    Investment Types
    Stocks: An Individual Flower
    Mutual Fund: A Fancy Floral Arrangement
    ETF (Exchange Traded Fund): A Bouquet
    Bonds: A Gift Card to the Flower Shop
    Do You Need a Financial Advisor?
    Chapter 6: Success is Hidden in Your Routines
    So You Want to Change Your Life?
    Whip Your Assets Into Shape
    Financial Routines
    Weekly Money Review
    Payday Routine
    Monthly Money Review
    Signature Money Management System
    Money Mapping
    Money Flow
    Accountability Plan
    Financial Self-care
    Chapter 7: Career Conundrum
    Your Dream Job Doesn’t Exist
    What is Your Definition of Success?
    Task-tracking at Work
    Track Your Daily and Weekly Responsibilities and the
    Value-add for Each
    Implement Monthly Career Reflections
    Identify and Evaluate Your Accomplishments
    on a Set Cadence
    Learning vs. Earning
    Navigating Career Pivots
    Phase 1: Determine What You’re Looking For
    Phase 2: Change With Confidence
    Chapter 8: Increase Your Earning Potential
    Asking for a Raise or Promotion
    Preparation for a Promotion
    Timing is Everything: Performance Conversations
    But Wait! What Not to Do
    Changing Jobs
    Side Hustles
    Find Your Side Hustle
    Balancing a Side Hustle with a 9 to 5 Job
    Closing Thoughts
    Live Life Outside the Spreadsheet
    Don’t Be Afraid to Spend Money to Make Money
    Say Yes to Life (Thanks to a Financial Plan)
    What is Financial Success to You?
    Resources
    Acknowledgments
    Index
    About the Author

Own Your Money

    Product form

    A Paperback / softback by Michela Allocca

    £14.24

    Includes FREE delivery

    RRP £14.99 – you save £0.75 (5%)

    Order before 4pm tomorrow for delivery by Thu 15 Oct 2026.

    10 in stock

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      Book details

      Publisher Quarto Publishing Group USA Inc
      Published 22 June 2023
      ISBN-13 9780760381120
      978-0760381120
      ISBN-10 0760381127
      Also in:
      Business strategy Finance and accounting

      Description

      Book Synopsis
      Join TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance.

      In Own Your Money, Michela shares all the tools you need to manage, save, invest, and set a routine to improve your financial life. You’ll find chapters for:
      • Budgeting: Don’t make it a dreaded B-word! Learn about various strategies including 50/30/20, zero-based, and 3-bucket budgets.
      • How to save: It’s all about being SMART (specific, measurable, achievable, relevant, and time-bound).
      • How to spend money: That’s right, a plan for spending is important too! With a quick analysis of values and priorities, you can spend without feeling guilt—yes, even on fancy coffee.
      • Investing: Learn the difference between 401ks and IRAs, investment types from index funds to target date funds, and relate it all back to core concepts in investing (like diversification). <

        Table of Contents
        Contents
        Introduction
        The Hardest Years of My Life Were the Best Thing
        That Happened to Me
        Lesson #1: Once the Bills Start, They Never Stop
        Lesson #2: If You’re Serious About Saving, You Must
        Prioritize and Make Sacrifices
        Lesson #3: Your Life is a Result of Your Choices
        Lesson #4: You Can Find Happiness Working a 9 to 5 Job
        Chapter 1: Get Organized, Get Started
        Pull the Blinds Back: What is Your Financial
        Situation Right Now?
        Your Financial Snapshot
        Phase 1: Laying the Groundwork
        Phase 2: Assess Your Cash Flow
        Phase 3: Your Monthly Output
        Phase 4: The Details
        Financial Framework for Success
        Net Worth: The Most Important Measure of Your Finances
        What is Net Worth?
        Ways to Increase Your Net Worth
        The Bottom Line
        Chapter 2: Budget Is Not a Bad Word
        Budget Myth-busting
        Building a Foolproof Budget
        Step 1: Zero-based Budgeting
        Step 2: The Three-bucket Budget
        Step 3: 50/30/20 Budgeting
        Budgeting Tools
        Budgeting Spreadsheets
        Budgeting Apps
        Chapter 3: How to Set and Reach Your Financial Goals
        Setting Financial Goals the Right Way
        SMART Goal-setting Method
        Specific Goals
        Measurable Goals
        Achievable Goals
        Relevant Goals
        Timely Goals
        Incorporate Your Goals into Your Plan
        Prioritize Your Goals
        Order of Operations
        Saving Beyond the Order of Operations
        Financial Goals Examples
        Chapter 4: Spend Your Money on Things That Matter
        Stop Spending Money on Sh*t You Don’t Care About
        1. Overspending
        2. Treating Your Credit Card Like Free Money
        3. Emotional Shopping
        4. Lifestyle Inflation
        5. Avoidance
        The Benefits of Conscious Spending
        1. You Don’t Have to Focus on Spending Less Money
        2. You Can Buy Things You Actually Want
        3. You Will Have Money to Fund Your Goals
        4. You Will Feel More Financially Confident
        Chapter 5: Investing? Never Heard of Her
        Saving Isn’t Enough
        Compound Interest: The Eighth Wonder of the World
        Set Yourself Up to Invest
        Layer 1: Employer 401(k) + Match
        Layer 2: Individual Retirement Account (IRA)
        Layer 3: Taxable Investment Account
        Optimize Your Strategy with Automation
        Investment Types
        Stocks: An Individual Flower
        Mutual Fund: A Fancy Floral Arrangement
        ETF (Exchange Traded Fund): A Bouquet
        Bonds: A Gift Card to the Flower Shop
        Do You Need a Financial Advisor?
        Chapter 6: Success is Hidden in Your Routines
        So You Want to Change Your Life?
        Whip Your Assets Into Shape
        Financial Routines
        Weekly Money Review
        Payday Routine
        Monthly Money Review
        Signature Money Management System
        Money Mapping
        Money Flow
        Accountability Plan
        Financial Self-care
        Chapter 7: Career Conundrum
        Your Dream Job Doesn’t Exist
        What is Your Definition of Success?
        Task-tracking at Work
        Track Your Daily and Weekly Responsibilities and the
        Value-add for Each
        Implement Monthly Career Reflections
        Identify and Evaluate Your Accomplishments
        on a Set Cadence
        Learning vs. Earning
        Navigating Career Pivots
        Phase 1: Determine What You’re Looking For
        Phase 2: Change With Confidence
        Chapter 8: Increase Your Earning Potential
        Asking for a Raise or Promotion
        Preparation for a Promotion
        Timing is Everything: Performance Conversations
        But Wait! What Not to Do
        Changing Jobs
        Side Hustles
        Find Your Side Hustle
        Balancing a Side Hustle with a 9 to 5 Job
        Closing Thoughts
        Live Life Outside the Spreadsheet
        Don’t Be Afraid to Spend Money to Make Money
        Say Yes to Life (Thanks to a Financial Plan)
        What is Financial Success to You?
        Resources
        Acknowledgments
        Index
        About the Author

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