{ "item_title" : "Beating the Cost of Living Crisis Without Earning More", "item_author" : [" Karen Harding "], "item_description" : "Stop struggling. Start saving. Thrive-without needing a raise.Are you tired of living paycheck to paycheck? Does the rising cost of groceries, utilities, and daily essentials leave you feeling anxious, stuck, or helpless? You're not alone-and you don't need to wait for a salary increase to take control.Beating the Cost of Living Crisis Without Earning More is your practical guide to navigating financial stress, even if your income stays the same. This book empowers you to take charge of your money, shift your mindset, and unlock hidden savings-without burnout or deprivation.Inside, you'll learn how to: Understand your emotional relationship with moneyIdentify spending triggers and stop emotional overspendingBuild a realistic, zero-stress budget that actually worksSlash everyday expenses without sacrificing your lifestylePay down debt faster using proven, flexible strategiesNegotiate bills, subscriptions, and financial commitments with confidenceCreate a personalized savings plan, even on a tight budgetApply powerful budgeting systems like zero-based budgeting and the 50/30/20 ruleThis isn't just another personal finance book filled with generic advice. It's a step-by-step system for building financial security from where you are right now-no extra income required.Whether you're drowning in bills or just want to feel more in control, this book offers practical tools, smart habits, and financial peace of mind in the face of rising costs. You'll walk away with clarity, control, and confidence in your financial future. ", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/9/79/828/352/9798283522982_b.jpg", "price_data" : { "retail_price" : "15.00", "online_price" : "15.00", "our_price" : "15.00", "club_price" : "15.00", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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