{ "item_title" : "Budget Like a Pro", "item_author" : [" T. Scott "], "item_description" : "Most people have tried to budget at least once. They downloaded the app, filled in the spreadsheet, made a plan. And then, somewhere around week two or three, real life arrived. The budget fell apart, the shame followed, and the whole thing got quietly abandoned.Budgets don't fail because people are irresponsible or bad with money. They fail because most budgets are built on unrealistic assumptions, leave no room for real life, and treat humans like robots who feel no stress, boredom, or pleasure.Budget Like a Pro builds a different kind of budget - one rooted in honesty about your actual spending, flexible enough for the unpredictable, and connected to the life you actually want to live.Inside this book you will find: A step-by-step 90-day spending audit that reveals exactly where your money is going - often with surprising resultsHow to calculate your net worth, the one financial number that actually captures your overall financial healthA zero-based budgeting framework that gives every dollar a job before the month beginsHow to handle fixed, variable, and discretionary expenses - and the sinking fund strategy that eliminates unexpected expenses foreverThe 50/30/20 rule explained clearly - and when to break it based on your real situationA complete budgeting system for irregular income: freelancers, contractors, gig workers, and anyone whose paycheck variesThe three budget killers most people ignore: groceries, subscriptions, and small habitual purchasesA full automation sequence that makes financial progress happen without constant willpowerHow to budget as a couple or household without money becoming a source of conflictWhat to do when life throws something at your budget - the reset strategy that keeps you moving forwardA weekly and monthly review system that turns your budget from a static document into a living financial toolThe financial freedom ladder: how budgeting connects to debt payoff, emergency funds, and long-term wealthThis is not a book about deprivation. It is a book about intention - making deliberate decisions about your money before the moment of spending, when you are calm and clear, rather than after, when it is too late.Budget Like a Pro is Book 1 in the Money Smart Series, a practical eight-book personal finance library for everyday Americans.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/818/600/9798186004493_b.jpg", "price_data" : { "retail_price" : "13.99", "online_price" : "13.99", "our_price" : "13.99", "club_price" : "13.99", "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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