{"product_id":"the-money-manual-elena-colquitt-9798287597122","title":"The Money Manual: What They Should've Taught Us About Money But Didn't","description":"\u003cp\u003e\u003cb\u003eThe Money Manual: A Practical Guide to Understanding and Managing Your Finances\u003c\/b\u003e\u003cbr\u003e\u003ci\u003eBy Elena Colquitt, Founder \u0026amp; CEO of MoneyMate by EpocHarvest\u003c\/i\u003e \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003eYou're paying your bills. You're doing what you're \"supposed\" to do, maybe even earning more than you used to. But somehow... you're still not moving forward. \u003cp\u003e\u003cb\u003eYou're not alone.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eIn a time when U.S. consumers hold more debt than ever before, many hardworking people are stuck in a financial gray zone-doing their best, but not building momentum. Whether you're carrying too much debt, can't seem to grow your savings, or just feel like you don't know where your money is going, \u003cb\u003eThe Money Manual\u003c\/b\u003e is here to help you shift.\u003c\/p\u003e\u003cp\u003eWritten by seasoned financial expert Elena Colquitt, this practical guide cuts through the noise with real-life strategies that actually work-for real people. Inside, you'll learn how to: \u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eImprove your credit score quickly and legally\u003c\/li\u003e\n\u003cli\u003eUse proven debt payoff methods (without going broke doing it)\u003c\/li\u003e\n\u003cli\u003eDecide when to save vs. when to pay down debt\u003c\/li\u003e\n\u003cli\u003eGet mortgage-ready (and avoid the \"house poor\" trap)\u003c\/li\u003e\n\u003cli\u003eUnderstand when to refinance and when not to\u003c\/li\u003e\n\u003cli\u003eBuild business credit that doesn't wreck your personal score\u003c\/li\u003e\n\u003cli\u003eKnow when-and how much-to pay yourself as a business owner\u003c\/li\u003e\n\u003cli\u003eAvoid common tax mistakes as a freelancer or entrepreneur\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eYou'll also learn how to separate your finances the smart way, make sense of balance transfers and consolidation, and set yourself up for long-term wins-without perfection, shame, or unrealistic goals.\u003c\/p\u003e\u003cp\u003e\u003cb\u003eBonus: \u003c\/b\u003e Your purchase includes an exclusive 50% off discount for \u003ci\u003eMoneyMate\u003c\/i\u003e, Elena's patented personal + business financial software that creates custom plans based on your real-time data-no spreadsheets required.\u003c\/p\u003e\u003cp\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Elena Colquitt\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9798287597122\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Independently Published\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 06\/10\/2025\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 44\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 0.16lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 9.00h x 6.00w x 0.09d\u003c\/p\u003e","brand":"Elena Colquitt","offers":[{"title":"Paperback","offer_id":48440531484927,"sku":"9798287597122","price":17.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_41b0e097-e783-4757-9735-1044b9d8b58b.jpg?v=1777183056","url":"https:\/\/www.whiterainbookhouse.com\/products\/the-money-manual-elena-colquitt-9798287597122","provider":"WR Book House","version":"1.0","type":"link"}