{ "item_title" : "Personal Finance Made Simple", "item_author" : [" Maxwell W. Wilson "], "item_description" : "Take Control of Your Money, Build Better Financial Habits, and Start Creating a More Secure Future.Managing money shouldn't feel complicated. Yet between everyday expenses, unexpected bills, credit card payments, savings goals, and investment decisions, it's easy to feel overwhelmed or unsure where to begin. Personal Finance Made Simple is a practical, easy-to-follow guide that helps you understand your money, make smarter financial decisions, and build lasting financial security, regardless of your income or experience.Whether you're living paycheck to paycheck, trying to get out of debt, saving for your first major purchase, or wondering how to start investing, this book walks you through the essentials of personal finance in clear, everyday language.Inside, you'll learn how to: Take control of your spending: Understand where your money goes, create a realistic budget, and make your paycheck last.Build savings that actually grow: Develop consistent saving habits, establish an emergency fund, and prepare for future expenses.Get out of debt faster: Understand interest rates, manage credit cards, improve your credit habits, and create a practical debt repayment plan.Make smarter financial decisions: Evaluate major purchases, understand loans, and avoid common financial mistakes.Increase and manage your income: Understand your paycheck, navigate taxes, negotiate better compensation, and explore ways to earn more.Start investing with confidence: Learn how stocks, bonds, ETFs, index funds, and retirement accounts work without confusing financial jargon.Protect what you've built: Understand insurance, recognize financial scams, and prepare for life's unexpected challenges.Create your own financial roadmap: Follow a practical 30-day improvement plan and develop habits that support your long-term goals.More Than Financial Advice. A Guide You Can Actually Put Into Practice.Unlike books that overwhelm beginners with complicated theories or promise shortcuts to wealth, Personal Finance Made Simple focuses on realistic, achievable progress. Through relatable examples, step-by-step explanations, worked financial calculations, and practical tools, you'll learn not only what to do with your money, but why it works and how to apply it to your own circumstances.The book also includes helpful budgeting worksheets, debt repayment tools, financial planning templates, major-purchase decision guides, and a straightforward investment planning framework. You don't need a high salary, a background in finance, or thousands of dollars saved to begin improving your financial life. You simply need to understand the fundamentals and start making decisions that move you in the right direction.Your financial future is shaped by the decisions you make today. Personal Finance Made Simple gives you the knowledge, tools, and confidence to start making those decisions wisely. Start building a healthier relationship with money, one practical step at a time.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/828/790/9798287905279_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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