{ "item_title" : "The First Paycheque Manual", "item_author" : [" Andrea Marlow "], "item_description" : "Your first paycheque feels like freedom. But once the salary arrives, so do the decisions. How much is really yours after deductions? Which bills should be paid first? How much should you save? When does a credit card become expensive? How large should an emergency fund be? And how do you enjoy earning your own money without quietly committing most of your future income before it arrives? The First Paycheque Manual is a practical guide to the financial habits that matter when regular income begins. It explains payslips, bank accounts, budgeting, bills, saving, emergency funds, credit cards, instalment plans, debt, insurance, renting, pensions and major financial commitments in clear, accessible language. Rather than promising quick wealth or imposing unrealistic budgeting rules, the book focuses on building a financial system that works in ordinary life. It shows how small decisions made early can create greater resilience, fewer costly mistakes and more freedom later. Whether you are starting your first full-time job, becoming financially independent or simply learning to manage regular income properly for the first time, this is a guide to making your paycheque work before your commitments begin working against it. Disclaimer: This book is provided for general educational and informational purposes only and does not constitute personalised financial, investment, tax, legal, insurance or credit advice. Financial products, laws, taxation, consumer protections and pension arrangements vary by jurisdiction and can change over time. Readers should verify current local rules and, where appropriate, seek advice from a suitably qualified professional. Any companies, products, services or trademarks mentioned remain the property of their respective owners. Their inclusion is solely for factual or explanatory purposes and does not imply endorsement, sponsorship or affiliation.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/1/92/388/297/192388297X_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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