{"product_id":"own-your-money-by-michela-allocca-9780760381120","title":"Own Your Money","description":"\u003cdiv class=\"book-description\"\u003e\n\u003cp\u003eJoin TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance. With real-life examples and colourful art, this book unlocks the fun of money fundamentals. Michela Allocca had an epiphany when she was working at her first job: even those working in finance can have no idea how to budget, invest, and spend on a personal level!\u003c\/p\u003e\n\n\u003cp\u003eBy the time she reached her mid-20s, she had a new mission: helping any young person who wanted advice with the \"scary,\" often misunderstood, world of personal finance. In \u003cem\u003eOwn Your Money\u003c\/em\u003e, Michela shares all the tools she used to manage, save, invest, and set a routine that enabled her to save hundreds of thousands of dollars in less than a decade of professional and freelance work.\u003c\/p\u003e\n\n\u003cp\u003eYou'll find chapters that address:\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBudgeting:\u003c\/strong\u003e Don't make it a dreaded B-word! Learn about various strategies including 50\/30\/20, zero-based, and 3-bucket budgets.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eHow to save:\u003c\/strong\u003e It's all about SMART (specific, measurable, achievable, relevant, and time-bound).\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eHow to spend money:\u003c\/strong\u003e That's right, a plan for spending is important too! With a quick analysis of values and priorities, you can spend without feeling guilt—yes, even on those fancy coffees.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eInvesting:\u003c\/strong\u003e Learn the difference between 401ks and IRAs, investment types from index funds to target date funds, and relate it all back to core concepts in investing (like diversification).\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eJobs and careers:\u003c\/strong\u003e If your dream job doesn't exist, join the club! Learn how to find satisfaction through the tasks you want to do, networking, and career pivots.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eIncrease your earning potential:\u003c\/strong\u003e Set yourself up for a raise or promotion, negotiate a job offer, and figure out if a side hustle is right for you.\u003c\/p\u003e\n\n\u003cp\u003eWith colourful illustrations, helpful charts and graphics, and spreadsheets to help you plan your own path, this book is meant to partner with you on your own journey and financial goals!\u003c\/p\u003e\n\u003c\/div\u003e","brand":"Unknown","offers":[{"title":"Default Title","offer_id":46868743946476,"sku":"9780760381120","price":39.99,"currency_code":"NZD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0705\/7784\/8556\/files\/19739383482458.jpg?v=1759767697","url":"https:\/\/bookhero.pro\/products\/own-your-money-by-michela-allocca-9780760381120","provider":"Book Hero","version":"1.0","type":"link"}