{ "item_title" : "Hack the System, Save Your Wallet", "item_author" : [" Yisell Acosta "], "item_description" : "You make payments every month. So why does your balance barely move? Credit cards, minimum payments, Buy Now, Pay Later plans, and convenient financing can make debt feel manageable-until several small obligations begin consuming every paycheck. Hack the System, Save Your Wallet reveals how these payment systems keep borrowers trapped and gives you a practical plan for taking control. Instead of relying on guilt, extreme deprivation, or unrealistic financial advice, Yisell Acosta shows you how to understand what you owe, choose an effective payoff strategy, protect essential expenses, and begin building lasting financial stability. Inside, you will learn how to: - Identify the payment habits and lending structures keeping you in debt- Create a complete inventory of balances, rates, fees, and minimum payments- Compare the debt snowball, debt avalanche, and hybrid payoff methods- Build a realistic repayment plan around your income and household obligations- Handle irregular income without abandoning your financial goals- Explore ways to reduce interest costs and communicate with creditors- Respond more confidently to collections, settlement decisions, and financial setbacks- Build an emergency buffer while continuing to reduce debt- Replace repeated borrowing with a sustainable weekly money routine- Use practical worksheets to turn financial information into action This is not a promise of overnight wealth. It is a structured guide for people who are tired of moving money from one payment to another without making meaningful progress. Whether you are dealing with revolving credit-card balances, multiple installment plans, minimum-payment fatigue, or the fear that debt will always control your future, this book will help you create a clearer path forward. Stop organizing your life around payments. Start building a financial system that works for you.", "item_img_path" : "https://covers1.booksamillion.com/covers/bam/9/79/816/557/9798165573316_b.jpg", "price_data" : { "retail_price" : "17.99", "online_price" : "17.99", "our_price" : "17.99", "club_price" : "17.99", "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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