Own Your Money: Practical Strategies to Budget Better, Earn More, and Reach Your 6-Figure Savings Goals

"In Your Budget Blueprint, Michela Allocca offers a new, empowering take on how to budget, spend, and invest-for 20-somethings and beyond!"--
Join TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance.   When Michela was working her first job in finance, she had an epiphany: even those working with money professionally can have no idea how to budget, invest, and spend once they get home! By the time she reached her mid-20s, she was on a mission to help friends and colleagues who wanted to do better with their own money. In Own Your Money, 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. You’ll find chapters that address:   Budgeting: Don’t make it a dreaded B-word! Learn about various strategies including 50/30/20, zero-based, and 3-bucket budgets. How to save: It’s all about being SMART (specific, measurable, achievable, relevant, and time-bound). How to spend money: 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 fancy coffee. Investing: 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). Jobs and careers: 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. Increase your earning potential: Set yourself up for a raise/promotion, negotiate a job offer, and figure out if a side hustle is right for you. With illustrations, helpful charts and graphics, and templates to help you plan, this is a book that’s meant to partner with you to achieve your financial goals.
In Own Your Money, Michela Allocca offers a new, empowering take on how to budget, spend, and invest—for 20-somethings and beyond!