{ "item_title" : "The Cost of Owing", "item_author" : [" Tyronne T. Ramella "], "item_description" : "Debt is more than a number on a statement. It is interest charged while you sleep, recurring payments that reduce your choices, and the quiet pressure of knowing that tomorrow's income is already committed.The Cost of Owing is a practical and honest guide to clearing debt, rebuilding your finances and reclaiming your income.Whether you are dealing with credit cards, overdrafts, personal loans, buy now, pay later balances, student debt or several obligations at once, this book helps you understand what you owe and decide what to do next.Inside, you will learn how to: - Create a complete debt inventory without avoiding uncomfortable details.- Compare interest rates, fees, repayment terms and consolidation options.- Use the debt avalanche, debt snowball and hybrid methods intelligently.- Choose a repayment strategy that fits your personality, motivation and behaviour.- Use virtual cards, account separation and spending controls to prevent new balances.- Negotiate with lenders and identify where interest and fees can be reduced.- Rebuild your cash flow so that repayment does not leave you financially exposed.- Increase income, redirect freed-up payments and build protection against future setbacks.- Turn debt repayment into a sustainable financial system rather than a temporary burst of discipline.This is not a promise of overnight transformation. It is a structured framework for making better decisions consistently, even when money is tight, motivation changes or life becomes unpredictable.The book also looks beyond individual responsibility. Financial education, student debt, employment uncertainty and the failure to prepare younger generations for the cost of borrowing affect families and communities as well as individuals.You cannot change every financial decision you have already made. You can change what happens next.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/817/758/9798177587509_b.jpg", "price_data" : { "retail_price" : "14.99", "online_price" : "14.99", "our_price" : "14.99", "club_price" : "14.99", "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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