{"product_id":"you-only-live-once-isbn-9781119267362","title":"You Only Live Once","description":"\u003cb\u003eGet your finances in order with smart budgeting and money mindfulness\u003c\/b\u003e \u003cp\u003e\u003ci\u003eYou Only Live Once\u003c\/i\u003e is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about \u003ci\u003ewhy\u003c\/i\u003e. Where do you see yourself financially in ten years? Five years? This time next year? What does money do for you? Once you know your destination, you can begin charting your course. Step-by-step guidance walks you through the budgeting process, and shows you how to plan your financial path to point toward your goals. You'll learn how to prioritize spending, how to save efficiently, and how to take advantage of simple tools you didn't know you had. Next comes the most important part: taking control. You need to really look at how you perceive and use money day-to-day. Chances are, changing a few habits could give you some breathing room and help you reach your goals sooner.  \u003c\/p\u003e\u003cp\u003eYou work hard for your money, yet there never seems to be enough. You don't need to live like a pauper, but you need to be truly aware of just where your money is going, and why. Financial awareness is the key to a financially secure future, and this book unpacks it all to help you get where you want to go. \u003c\/p\u003e\u003cul\u003e \u003cli\u003eAccept past decisions and articulate your financial goals\u003c\/li\u003e \u003cli\u003eAlign your lifestyle with your budget\u003c\/li\u003e \u003cli\u003eExplore your relationship with money\u003c\/li\u003e \u003cli\u003eRe-evaluate financial habits and behaviors\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eYou know you need a budget, but you never seem to get around to doing it. Or maybe you did, but you can never seem to stick to it. Smart planning is a major factor in financial security, and it involves just as much introspection as math. \u003ci\u003eYou Only Live Once\u003c\/i\u003e is more than a budgeting guide—it's a guide to revamping your financial behaviors to achieve the life you want. \u003c\/p\u003e\u003cp\u003ePreface ix\u003c\/p\u003e \u003cp\u003eAcknowledgments xv\u003c\/p\u003e \u003cp\u003eAbout the Author xix\u003c\/p\u003e \u003cp\u003eIntroduction 1\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart I On the Road to Financial Wellness 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1 Are You Living YOLO? 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Millennial Experience 7\u003c\/p\u003e \u003cp\u003eThe YOLO Mindset 8\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2 Financial Education and Living Your Dream Lifestyle 11\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is Financial Education? 13\u003c\/p\u003e \u003cp\u003eThe ACT Process 14\u003c\/p\u003e \u003cp\u003ePart II Awareness 15\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3 Know Where You're Starting From 17\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYour Money Mindset 18\u003c\/p\u003e \u003cp\u003eWhat Is Your Relationship with Money? 19\u003c\/p\u003e \u003cp\u003eHow Is Your Spending Contributing to Your Life? 20\u003c\/p\u003e \u003cp\u003eHow Are You Using Your Time? 22\u003c\/p\u003e \u003cp\u003eCultivate a Wealthy Money Mindset 23\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4 Know Where You Want to Go 31\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eClarify Your Values 32\u003c\/p\u003e \u003cp\u003eHave a Vision for Your Life 35\u003c\/p\u003e \u003cp\u003eFollow a Money Philosophy 38\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5 Getting What You Want 41\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChange Your Financial Behaviors and Habits 41\u003c\/p\u003e \u003cp\u003eThe Habit of Spending 42\u003c\/p\u003e \u003cp\u003eThe Habit of Saving 43\u003c\/p\u003e \u003cp\u003eGet in the Know 45\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart III Creating a Plan 63\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6 Building a Lifestyle Budget and Spending Plan 67\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDealing with Your Fear of Lifestyle Change 70\u003c\/p\u003e \u003cp\u003eLiving the YOLO Lifestyle 74\u003c\/p\u003e \u003cp\u003eThe YOLO Budget 77\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7 Using the Purposeful Money Strategy to Spend and Save 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDual Checking Accounts Method 98\u003c\/p\u003e \u003cp\u003eThe Purposeful Savings Method 101\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8 Improving Credit Use and Eliminating Debt Forever 111\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCredit Card Debt 115\u003c\/p\u003e \u003cp\u003eUsing the Debt Avalanche Method 117\u003c\/p\u003e \u003cp\u003eUsing the Debt Snowball Method 118\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart IV Taking Control 121\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9 Creating a Purposeful Life 123\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFinding Happiness 124\u003c\/p\u003e \u003cp\u003eIncreasing Your Awareness 126\u003c\/p\u003e \u003cp\u003eOrganizing Your Finances 128\u003c\/p\u003e \u003cp\u003eManaging Your Time 130\u003c\/p\u003e \u003cp\u003eHaving Better Conversations 132\u003c\/p\u003e \u003cp\u003eImproving Financial Relationships 134\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10 Spending Rules 137\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSpending Mindfully 138\u003c\/p\u003e \u003cp\u003eSpend Less Than You Earn 139\u003c\/p\u003e \u003cp\u003ePay Less for Every Purchase 139\u003c\/p\u003e \u003cp\u003eSpend on Loves, Not Likes 140\u003c\/p\u003e \u003cp\u003eUse Credit Purposefully 142\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11 Living Mindfully 145\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBuilding Your Freedom Fund 146\u003c\/p\u003e \u003cp\u003eDon't Quit Your Job 148\u003c\/p\u003e \u003cp\u003eTraveling the World 151\u003c\/p\u003e \u003cp\u003eLending Money to Family and Friends 152\u003c\/p\u003e \u003cp\u003eMaking Money with Money: Investing 153\u003c\/p\u003e \u003cp\u003eProtecting Your Legacy: Insurance 155\u003c\/p\u003e \u003cp\u003eFinding an Expert 156\u003c\/p\u003e \u003cp\u003eConclusion 159\u003c\/p\u003e \u003cp\u003eIndex 161\u003c\/p\u003e \u003cp\u003e\u003cb\u003eJASON VITUG\u003c\/b\u003e is the founder of Phroogal, a financial ­education start-up and lifestyle brand empowering millennials to live their dream lifestyles through financial knowledge. He is the promoter of the Smile Lifestyle movement, based on a belief that experiential and purposeful living can be achieved through informed financial decision making.\u003c\/p\u003e  \u003cp\u003eYou may think more money is the key to living the life of your dreams, but in reality, most people are unable to live the lives they want because they lack a clear vision for their life and are setting financial goals that do not align with what they truly value. If you want to rediscover your passions and define your purpose, \u003ci\u003eYou Only Live Once\u003c\/i\u003e is your complete guide to understanding your money mindset and teaching you to manage money with a purpose—to live your dream lifestyle in this lifetime.\u003c\/p\u003e \u003cp\u003eIn seven years, author Jason Vitug went from cleaning toilets and serving drinks to making decisions in a Silicon Valley boardroom. He had a walk-in closet as big as the room he and his brothers once shared, but he found himself living paycheck to paycheck. Through his personal story of how he redefined the way he sees money to live a more fulfilling life, he shares memorable lessons learned to motivate you to create a lifestyle budget, save purposefully, spend consciously, and rethink retirement. Addressing issues on a much deeper level than nuts-and-bolts financial plans, this revolutionary guidebook sheds light on the behaviors and spending habits that shape a person’s money mindset. By enhancing your approach to money, you can avoid the irrational financial decision making undermining your rational goals. You can make actual progress your very first day with: \u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eA step-by-step process for assessing your spending habits and how to improve them to benefit from the power of time\u003c\/li\u003e \u003cli\u003eFocused exercises enabling you to identify your unique financial goals and create a customized savings strategy to turn your vision for your life into reality\u003c\/li\u003e \u003cli\u003eA concrete framework for clarifying the values shaping your life, increasing your income, and spending money with the purpose of materializing your dreams\u003c\/li\u003e\n\u003c\/ul\u003e \u003cp\u003eMoney isn’t a goal—it’s a resource you need to live the life you see for yourself, and \u003ci\u003eYou Only Live Once\u003c\/i\u003e shows you how to efficiently use your wealth to create and sustain the lifestyle you want.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47990514680037,"sku":"NP9781119267362","price":27.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9781119267362.jpg?v=1761788135","url":"https:\/\/k12savings.com\/products\/you-only-live-once-isbn-9781119267362","provider":"K12savings","version":"1.0","type":"link"}