{ "item_title" : "The Complete Guide to Personal Finance", "item_author" : [" Daniel R. Hartman "], "item_description" : "Earn a good salary and still wonder where it all went? The Complete Guide to Personal Finance is a plain-English walk through the whole subject of money, one piece at a time and in an order that makes sense. It is written for readers who were never taught this at school or at home, and it works with dollar examples while flagging where your own country's rules, accounts, and tax details will differ. You do not need any background, and you do not need a high income to get started. The book is built in layers, because the order you do things in matters. You begin with how your own mind gets in the way and where you stand today, then move to budgeting, saving, and an emergency fund. From there you tackle debt and credit, then investing, retirement, insurance, taxes, and protecting what you have. Every chapter ends with a short action section, mostly twenty to sixty minutes of work, so you finish each one having actually done something. It is general education, not personal financial advice. What to expect inside: - Why smart people get money wrong, and how to find out where you really stand- Goals that survive real life, and a budget you will actually follow- Ways to spend smarter without feeling deprived- Banking, saving, and building an emergency fund- How debt really works, and a clear plan for getting out of it- Credit scores, credit reports, and borrowing wisely- Earning more, the power of compounding, and investing basics- Index funds, fees, and building a simple portfolio you can stick with- Retirement planning, plus a sober look at property, crypto, and other things people get excited about- Insurance, taxes, wills, beneficiaries, and protection from fraud and scams- Money and relationships, a twelve-month personal finance plan, and a glossary, worksheets, and quick-reference checklist Ready to take the first step? Open to the introduction, do the first small action, and start working on your money instead of just worrying about it. For big or irreversible decisions, talk to a qualified professional who can look at your actual numbers.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/816/750/9798167500303_b.jpg", "price_data" : { "retail_price" : "24.99", "online_price" : "24.99", "our_price" : "24.99", "club_price" : "24.99", "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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