{"product_id":"money-101-michael-boyd-9798308465546","title":"Money 101: Making Dollars and Sense","description":"Money 101: The first entry in the Money Series by Dr. Boyd Money 101: Making Dollars and Sense establishes personal finance fundamentals and management skills. It is structured into 14 chapters, each offering practical advice on a range of financial topics: \u003cp\u003e\u003c\/p\u003eWhat Is Money?\u003cbr\u003eExamines how money developed throughout history while analyzing its trade function and its modern importance for personal achievement and societal contribution. \u003cp\u003e\u003c\/p\u003eIncome Basics\u003cbr\u003eThe guide discusses various income forms including salaries and tips and educates on differentiating gross from net income while providing techniques to manage your initial paycheck well. \u003cp\u003e\u003c\/p\u003eSpending Wisely\u003cbr\u003eReaders learn how to tell needs from wants, resist impulse spending and recognize opportunity costs to make improved spending choices. \u003cp\u003e\u003c\/p\u003eCreating a Budget\u003cbr\u003eThe section explains how to use budgeting methods such as the 50\/30\/20 rule along with tools like apps and spreadsheets to monitor expenses and reach financial targets. \u003cp\u003e\u003c\/p\u003eSaving for the Future\u003cbr\u003eThe section highlights saving strategies for unexpected expenses and future plans with practical advice on selecting saving methods and developing SMART goals. \u003cp\u003e\u003c\/p\u003eUnderstanding Debt\u003cbr\u003eThe section covers the variety of debt types along with distinctions between healthy and unhealthy debt and methods to manage and minimize debt. \u003cp\u003e\u003c\/p\u003eThe Basics of Banking\u003cbr\u003eThis section outlines banking operations and online banking benefits while giving detailed instructions on how to open and maintain a bank account. \u003cp\u003e\u003c\/p\u003eCredit 101\u003cbr\u003eThe section provides credit definitions and its importance along with explanations of credit card functions and advice on building good credit scores. \u003cp\u003e\u003c\/p\u003eInvesting Made Simple\u003cbr\u003eThe section teaches new investors about accessible financial products such as savings accounts, bonds, ETFs, and robo-advisors along with compound interest effects and why early investment is crucial. \u003cp\u003e\u003c\/p\u003eProtecting Your Money\u003cbr\u003eProvides advice on scam avoidance and basic insurance understanding plus guidance for secure financial record organization. \u003cp\u003e\u003c\/p\u003eTaxes Demystified\u003cbr\u003eThe guide details different tax categories (income taxes, sales taxes, property taxes) and explains basic tax filing procedures with information about deductions and credits as well as available filing methods. \u003cp\u003e\u003c\/p\u003ePlanning for the Future\u003cbr\u003eThis section explains how to establish financial objectives for education expenses and vehicle purchases along with homeownership and retirement needs while underscoring the importance of emergency savings and insurance coverage. \u003cp\u003e\u003c\/p\u003eMoney Mindset and Habits\u003cbr\u003eTeaches readers how to develop a positive financial attitude while establishing regular financial practices and steering clear of unproductive comparisons which help them concentrate on their own objectives. \u003cp\u003e\u003c\/p\u003eYour Money Game Plan\u003cbr\u003eIt consolidates essential financial techniques to create a unified strategy that helps readers budget effectively and save regularly while tracking their progress and staying motivated for sustained success. \u003cp\u003e\u003c\/p\u003eThrough actionable steps Dr. Boyd's book turns complex financial theories into practical knowledge for readers to create secure financial futures. The book prepares readers for upcoming Money Series volumes where advanced financial subjects will be explored in more depth.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Michael Boyd\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798308465546\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 01\/26\/2025\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 74\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.24lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.15d","brand":"Michael Boyd","offers":[{"title":"Paperback","offer_id":49169928225023,"sku":"9798308465546","price":11.99,"currency_code":"USD","in_stock":true}],"url":"https:\/\/www.whiterainbookhouse.com\/products\/money-101-michael-boyd-9798308465546","provider":"WR Book House","version":"1.0","type":"link"}