$312 in My Account: The Day Everything Changed - Couverture souple

Datta, Gowtham

Couverture souple

ISBN 13 : 9798161397176

Editeur : Independently published, 2026

Synopsis

The phone rang. My father needed $250 for my mother's medical tests. I said, "Of course, Papa." Then I opened my banking app.

$312.

Two years into a good job, with a steady salary, I had nothing saved, a credit card I was afraid to look at, and twelve days until payday. That night, standing in a shopping mall with a bag of sneakers I didn't need, I made a promise: I will never again be one phone call away from helplessness.

This is the honest, step-by-step story of how I kept that promise and went from $312 to my first $10,000 on an ordinary salary. No lottery. No lucky stock tip. No rich family. Just simple habits, painful mistakes, and a plan anyone can follow.

In this book, you'll discover:

- The 30-day experiment that showed me where $400 a month was quietly disappearing
- A three-bucket budget so simple you'll actually stick to it
- How to save automatically, so you never depend on willpower again
- The hidden cost of "no-cost EMI," buy-now-pay-later and minimum payments
- Why your credit score is your second salary, and how to repair it
- How an emergency fund turns a crisis into an inconvenience
- The insurance mistake that almost cost my family everything
- How to say no to family money requests without guilt
- Investing for people who are scared of the stock market
- Why most short-term traders lose money, and how to avoid the trap
- How I built a side income from skills I already had
- Why my raise didn't make me richer, and the simple rule that fixed it

Every chapter gives you a real story, the lesson behind it, one simple method, and action steps you can start this week. The book ends with a complete 12-month money plan and a scorecard to track your progress.

This book is for you if:

- You earn a decent salary but never seem to have money left
- You've just started your first job and want to get money right from day one
- You're tired of living from paycheck to paycheck
- You've never been taught how money really works

You don't need to be good at math. You don't need a big income. You just need to start.

Détails de l'édition

• Éditeur: Independently published
• Date d'édition: 2026
• Langue: anglais
• ISBN 13: 9798161397176
• Reliure: Broché
• Nombre de pages: 137
• Coordonnées du fabricant: Printed by Amazon on behalf of the author; https://www.amazon.fr/hz/contact-us; ; c/o Amazon Media EU S.à.r.l., 38 Avenue John F. Kennedy; Luxembourg; L-1855; Luxembourg