{ "item_title" : "Smart Money Habits for Beginners", "item_author" : [" Alexander Rhea "], "item_description" : "What if managing your money didn't feel overwhelming-or worse, impossible? Smart Money Habits for Beginners offers a clear, empowering path for those ready to take control of their finances without spreadsheets that induce anxiety or strategies that feel out of reach.This book is your practical, no-fluff guide to building a financial life rooted in confidence, simplicity, and sustainability. Whether you're just starting your journey, living paycheck to paycheck, or recovering from past financial mistakes, this step-by-step guide will help you build financial literacy for beginners and turn your income into true stability. Inside this book, you'll learn how to: ✅ Create a personalized budgeting strategy for beginners that actually works (and sticks )✅ Develop simple saving habits for young adults that build momentum over time✅ Set realistic short-term and long-term goals using goal-based money management✅ Understand the basics of investing for beginners, including index funds, Roth IRAs, and compound growth✅ Implement a stress-free financial planning routine for beginners that fits your lifestyle✅ Break free from the cycle of debt with actionable tools and money mindset transformation✅ Learn how to build wealth over time-even if you're starting from zeroWhether you're in your 20s, 30s, or beyond, Smart Money Habits for Beginners will equip you with the foundational tools to create lasting change-without burnout or shame.", "item_img_path" : "https://covers4.booksamillion.com/covers/bam/9/79/829/318/9798293180851_b.jpg", "price_data" : { "retail_price" : "19.99", "online_price" : "19.99", "our_price" : "19.99", "club_price" : "19.99", "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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