{"product_id":"you-dont-need-a-budget-stop-worrying-about-debt-spend-without-shame-and-manage-money-with-ease-9780316568937","title":"You Don't Need a Budget: Stop Worrying about Debt, Spend Without Shame, and Manage Money with Ease","description":"\u003cb\u003eFree yourself from the tyranny of toxic budget culture, and build an ethical, stress-free financial life.\u003c\/b\u003e \u003cp\u003e\u003c\/p\u003e Track every dollar you spend. Check your account balances once a week. Always pay off your credit card bill in full. Make a budget--and stick to it. These are just a few of the edicts you'll find in virtually every personal finance book. But this kind of rigid, one-size-fits-all advice--usually written for and by wealthy white men (and a few women) with little perspective on the money struggles that many people face--is unrealistic, and only creates stress and shame. \u003cp\u003e\u003c\/p\u003e As a financial journalist and educator, Dana Miranda is on a mission to liberate readers from budget culture: the damaging set of beliefs around money that rely on restriction, shame, and greed--much like diet culture does for food and bodies. In this long-overdue alternative to traditional budgeting advice, Miranda offers a new approach that makes money easy for everyone, regardless of the numbers in their bank account. \u003cp\u003e\u003c\/p\u003e Full of counterintuitive advice--like how to use debt to support your life goals, how to plan for retirement without a 401K, and how to take advantage of resources that exist to support those left behind by the forces of capitalism--\u003ci\u003eYou Don't Need a Budget \u003c\/i\u003ewill empower readers to get money off their mind and live the lives they want.\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAbout the Author\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eDana Miranda\u003c\/b\u003e is a Certified Educator in Personal Finance(R) (CEPF(R)) and a personal finance journalist. After leaving a leadership position with a popular financial media startup and spending two years as a freelance writer, she created Healthy Rich to change the way we talk about money. Dana has shared her expertise as a contributor to Forbes, Business Insider, the New York Times, CNBC, NextAdvisor, Culture Study, The Motley Fool, Money magazine, The Penny Hoarder, and Inc. magazine; and Healthy Rich has been featured in publications including Bankrate, Real Simple, and Forbes, where it was named a safe resource for LGBTQ+ financial education in 2022.\u003cbr\u003e","brand":"Little, Brown Spark","offers":[{"title":"Default Title","offer_id":50878420287762,"sku":"9780316568937","price":20.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0831\/4771\/8930\/files\/img_bc153b76-bf04-42b7-9a92-86852ee8d7a4.jpg?v=1738300646","url":"https:\/\/surprise-castle.myshopify.com\/products\/you-dont-need-a-budget-stop-worrying-about-debt-spend-without-shame-and-manage-money-with-ease-9780316568937","provider":"Surprise Castle","version":"1.0","type":"link"}