{ "item_title" : "The Overdraft Cycle Exit Plan", "item_author" : [" Michael Fink "], "item_description" : "STOP LETTING A SMALL CHECKING-ACCOUNT SHORTAGE TURN INTO A BIGGER FINANCIAL PROBLEM.Your paycheck arrives, the balance finally looks healthy again, bills start clearing, everyday expenses continue-and before the next payday, you are watching the account move dangerously close to zero all over again.If that pattern sounds familiar, The Overdraft Cycle Exit Plan gives you a practical system for understanding what is really happening between one paycheck and the next.The problem is not always simply that you spend too much. Sometimes your income and expenses are badly timed, several bills hit the account at once, recurring charges have become invisible, pending transactions make your balance misleading, or there is simply no financial margin between everyday spending and zero.In this practical 8-chapter guide, Michael Fink shows you how to: identify the transactions and timing patterns that repeatedly push your account toward zero;calculate what is actually safe to spend between paydays;organize bills around the rhythm of your income;reduce dangerous clusters of automatic withdrawals;use balance alerts and simple account safeguards more effectively;build your first checking-account buffer gradually;create a personal minimum balance above the bank's actual zero line;manage weekly cash flow without constantly checking your banking app; andput everything together with a practical 30-Day Overdraft Exit Plan.You do not need an elaborate spreadsheet, a perfect budget, or a dramatic financial transformation before you begin.You need visibility.You need better timing.You need a small amount of protected margin.And you need a checking-account system designed to recognize trouble before the balance reaches zero.Stop managing your money from one financial close call to the next. Build a clearer payday-to-payday system and start creating distance between your balance and zero.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/819/243/9798192431177_b.jpg", "price_data" : { "retail_price" : "12.29", "online_price" : "12.29", "our_price" : "12.29", "club_price" : "12.29", "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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