{ "item_title" : "The Renter's Budget Guide", "item_author" : [" Ross Jacobson "], "item_description" : "Renting has its own financial rules - so why does so much money advice assume you own a house?The Renter's Budget Guide is a practical, straightforward and occasionally funny guide to making your money work better while you rent.Instead of mortgage advice and home-equity strategies that don't apply, this book focuses on the costs renters actually face: security deposits, rising rent, moving expenses, utility bills, subscriptions, furnishing a home, insurance, roommates, and the challenge of building savings while rent leaves your account every month.Inside, you'll learn how to: - Work out the true cost of renting, not just the advertised rent- Build a budget based on what you actually spend- Find and eliminate forgotten subscriptions and unnecessary fees- Cut grocery and food costs without living miserably- Furnish a rental without falling into expensive financing traps- Smooth out unpredictable utility bills- Build a dedicated fund for deposits and moving costs- Protect yourself with the right renter's insurance- Split expenses fairly with roommates- Build savings and credit while you rent- Decide whether renewing, negotiating, or moving makes the most financial senseThroughout the book, you'll also use the simple paycheck test: instead of asking only what something costs in dollars, ask how many hours of your working life it costs.No extreme frugality. No lectures about buying a house. Just sensible strategies designed specifically for renters.If you want renting to cost less, feel more predictable, and stop quietly draining your bank account, The Renter's Budget Guide will show you where to start.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/9/79/817/688/9798176883862_b.jpg", "price_data" : { "retail_price" : "9.99", "online_price" : "9.99", "our_price" : "9.99", "club_price" : "9.99", "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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