{"product_id":"own-your-money-9780760381120","title":"Own Your Money","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eJoin TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e In \u003ci\u003eOwn Your Money\u003c\/i\u003e, Michela shares \u003cb\u003eall the tools you need to manage, save, invest, and set a routine to improve your financial life\u003c\/b\u003e. You’ll find chapters for: \u003cul\u003e\n\u003cli\u003e\n\u003cb\u003eBudgeting: \u003c\/b\u003eDon’t make it a dreaded B-word! Learn about various strategies including 50\/30\/20, zero-based, and 3-bucket budgets. \u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eHow to save:\u003c\/b\u003e It’s all about being SMART (specific, measurable, achievable, relevant, and time-bound). \u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eHow to spend money:\u003c\/b\u003e 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. \u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eInvesting: \u003c\/b\u003eLearn 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). \u0026lt;\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eContents\u003cbr\u003e Introduction \u003cbr\u003e The Hardest Years of My Life Were the Best Thing\u003cbr\u003e That Happened to Me \u003cbr\u003e Lesson #1: Once the Bills Start, They Never Stop \u003cbr\u003e Lesson #2: If You’re Serious About Saving, You Must\u003cbr\u003e Prioritize and Make Sacrifices \u003cbr\u003e Lesson #3: Your Life is a Result of Your Choices \u003cbr\u003e Lesson #4: You Can Find Happiness Working a 9 to 5 Job \u003cbr\u003e Chapter 1: Get Organized, Get Started\u003cbr\u003e Pull the Blinds Back: What is Your Financial\u003cbr\u003e Situation Right Now? \u003cbr\u003e Your Financial Snapshot \u003cbr\u003e Phase 1: Laying the Groundwork \u003cbr\u003e Phase 2: Assess Your Cash Flow\u003cbr\u003e Phase 3: Your Monthly Output\u003cbr\u003e Phase 4: The Details \u003cbr\u003e Financial Framework for Success\u003cbr\u003e Net Worth: The Most Important Measure of Your Finances \u003cbr\u003e What is Net Worth?\u003cbr\u003e Ways to Increase Your Net Worth \u003cbr\u003e The Bottom Line \u003cbr\u003e Chapter 2: Budget Is Not a Bad Word \u003cbr\u003e Budget Myth-busting \u003cbr\u003e Building a Foolproof Budget \u003cbr\u003e Step 1: Zero-based Budgeting\u003cbr\u003e Step 2: The Three-bucket Budget\u003cbr\u003e Step 3: 50\/30\/20 Budgeting \u003cbr\u003e Budgeting Tools \u003cbr\u003e Budgeting Spreadsheets \u003cbr\u003e Budgeting Apps \u003cbr\u003e Chapter 3: How to Set and Reach Your Financial Goals\u003cbr\u003e Setting Financial Goals the Right Way \u003cbr\u003e SMART Goal-setting Method \u003cbr\u003e Specific Goals\u003cbr\u003e Measurable Goals\u003cbr\u003e Achievable Goals\u003cbr\u003e Relevant Goals\u003cbr\u003e Timely Goals \u003cbr\u003e Incorporate Your Goals into Your Plan\u003cbr\u003e Prioritize Your Goals\u003cbr\u003e Order of Operations \u003cbr\u003e Saving Beyond the Order of Operations \u003cbr\u003e Financial Goals Examples \u003cbr\u003e Chapter 4: Spend Your Money on Things That Matter \u003cbr\u003e Stop Spending Money on Sh*t You Don’t Care About\u003cbr\u003e 1. Overspending\u003cbr\u003e 2. Treating Your Credit Card Like Free Money\u003cbr\u003e 3. Emotional Shopping\u003cbr\u003e 4. Lifestyle Inflation\u003cbr\u003e 5. Avoidance\u003cbr\u003e The Benefits of Conscious Spending\u003cbr\u003e 1. You Don’t Have to Focus on Spending Less Money \u003cbr\u003e 2. You Can Buy Things You Actually Want \u003cbr\u003e 3. You Will Have Money to Fund Your Goals \u003cbr\u003e 4. You Will Feel More Financially Confident \u003cbr\u003e Chapter 5: Investing? Never Heard of Her\u003cbr\u003e Saving Isn’t Enough \u003cbr\u003e Compound Interest: The Eighth Wonder of the World\u003cbr\u003e Set Yourself Up to Invest \u003cbr\u003e Layer 1: Employer 401(k) + Match \u003cbr\u003e Layer 2: Individual Retirement Account (IRA) \u003cbr\u003e Layer 3: Taxable Investment Account \u003cbr\u003e Optimize Your Strategy with Automation \u003cbr\u003e Investment Types\u003cbr\u003e Stocks: An Individual Flower\u003cbr\u003e Mutual Fund: A Fancy Floral Arrangement\u003cbr\u003e ETF (Exchange Traded Fund): A Bouquet \u003cbr\u003e Bonds: A Gift Card to the Flower Shop\u003cbr\u003e Do You Need a Financial Advisor?\u003cbr\u003e Chapter 6: Success is Hidden in Your Routines \u003cbr\u003e So You Want to Change Your Life?\u003cbr\u003e Whip Your Assets Into Shape\u003cbr\u003e Financial Routines\u003cbr\u003e Weekly Money Review \u003cbr\u003e Payday Routine \u003cbr\u003e Monthly Money Review\u003cbr\u003e Signature Money Management System\u003cbr\u003e Money Mapping\u003cbr\u003e Money Flow \u003cbr\u003e Accountability Plan \u003cbr\u003e Financial Self-care \u003cbr\u003e Chapter 7: Career Conundrum\u003cbr\u003e Your Dream Job Doesn’t Exist\u003cbr\u003e What is Your Definition of Success? \u003cbr\u003e Task-tracking at Work\u003cbr\u003e Track Your Daily and Weekly Responsibilities and the\u003cbr\u003e Value-add for Each\u003cbr\u003e Implement Monthly Career Reflections \u003cbr\u003e Identify and Evaluate Your Accomplishments\u003cbr\u003e on a Set Cadence \u003cbr\u003e Learning vs. Earning \u003cbr\u003e Navigating Career Pivots\u003cbr\u003e Phase 1: Determine What You’re Looking For \u003cbr\u003e Phase 2: Change With Confidence \u003cbr\u003e Chapter 8: Increase Your Earning Potential \u003cbr\u003e Asking for a Raise or Promotion \u003cbr\u003e Preparation for a Promotion\u003cbr\u003e Timing is Everything: Performance Conversations \u003cbr\u003e But Wait! What Not to Do \u003cbr\u003e Changing Jobs \u003cbr\u003e Side Hustles\u003cbr\u003e Find Your Side Hustle\u003cbr\u003e Balancing a Side Hustle with a 9 to 5 Job \u003cbr\u003e Closing Thoughts\u003cbr\u003e Live Life Outside the Spreadsheet \u003cbr\u003e Don’t Be Afraid to Spend Money to Make Money \u003cbr\u003e Say Yes to Life (Thanks to a Financial Plan) \u003cbr\u003e What is Financial Success to You?\u003cbr\u003e Resources\u003cbr\u003e Acknowledgments\u003cbr\u003e Index\u003cbr\u003e About the Author\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Quarto Publishing Group USA Inc","offers":[{"title":"Default Title","offer_id":48865798127959,"sku":"9780760381120","price":14.24,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780760381120.jpg?v=1722275623","url":"https:\/\/bookcurl.com\/products\/own-your-money-9780760381120","provider":"Book Curl","version":"1.0","type":"link"}