{ "item_title" : "Budget Basics", "item_author" : [" Michelle Skolyak", "Open Theory Cove "], "item_description" : "Does money feel like it just disappears?You work hard, you earn a paycheck - and somehow, at the end of the month, there is never quite enough. No big purchases. No obvious waste. Just a vague sense that money is running the show instead of you.Budget Basics changes that.Written for complete beginners, this practical, judgment-free guide walks you through everything you need to take control of your money at home - and build a side hustle or small business that actually makes financial sense.In Part One - Your Home Budget, you will learn how to: Build a budget that fits your real life using three proven methods (50/30/20, Zero-Based, and the Envelope System)Track every dollar without spreadsheet overwhelmPay off debt strategically with the Avalanche or Snowball methodBuild an emergency fund that protects you from going back into debtCut costs without cutting the things you actually enjoySave for vacations, a home, college, and retirement - all at the same timeIn Part Two - Small Business and Side Hustle Budget, you will learn how to: Separate your business and personal money from day oneUnderstand self-employment tax so you are never blindsided at tax timeBuild your first real business budget and forecast your revenuePrice your products and services for actual profit - not just to stay busyManage cash flow so you can pay your bills even when clients pay lateKeep simple, audit-proof records and capture every tax deduction you are entitled toGrow your business sustainably without breaking what you have builtEvery concept is explained in plain English with real numbers, worked examples, and step-by-step instructions you can follow the same day you read them.No jargon. No shame. No advice that only works if you already have money.Just a clear, step-by-step system for building the financial life you actually want - starting with wherever you are right now.Perfect for: First-time budgeters, freelancers, Etsy sellers, service business owners, side hustlers, gig workers, and anyone who has ever wondered where their money went.Budget Basics is 12 chapters of practical, actionable guidance - with worksheets, templates, real-number examples, and a Quick-Start Action at the end of every chapter so you always know exactly what to do next.Start reading. Start building. The best time to get your finances right is today.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/818/044/9798180445483_b.jpg", "price_data" : { "retail_price" : "12.00", "online_price" : "12.00", "our_price" : "12.00", "club_price" : "12.00", "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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