You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life by J

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Get your finances in order with smart budgeting and money mindfulness You Only Live Once is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about why.

FORMATHardcover LANGUAGEEnglish CONDITIONBrand New Publisher Description

Get your finances in order with smart budgeting and money mindfulness You Only Live Once is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about why. Where do you see yourself financially in ten years? Five years? This time next year? What does money do for you? Once you know your destination, you can begin charting your course. Step-by-step guidance walks you through the budgeting process, and shows you how to plan your financial path to point toward your goals. You'll learn how to prioritize spending, how to save efficiently, and how to take advantage of simple tools you didn't know you had. Next comes the most important part: taking control. You need to really look at how you perceive and use money day-to-day. Chances are, changing a few habits could give you some breathing room and help you reach your goals sooner.  You work hard for your money, yet there never seems to be enough. You don't need to live like a pauper, but you need to be truly aware of just where your money is going, and why. Financial awareness is the key to a financially secure future, and this book unpacks it all to help you get where you want to go. Accept past decisions and articulate your financial goalsAlign your lifestyle with your budgetExplore your relationship with moneyRe-evaluate financial habits and behaviors You know you need a budget, but you never seem to get around to doing it. Or maybe you did, but you can never seem to stick to it. Smart planning is a major factor in financial security, and it involves just as much introspection as math. You Only Live Once is more than a budgeting guide—it's a guide to revamping your financial behaviors to achieve the life you want.

Back Cover

You may think more money is the key to living the life of your dreams, but in reality, most people are unable to live the lives they want because they lack a clear vision for their life and are setting financial goals that do not align with what they truly value. If you want to rediscover your passions and define your purpose, You Only Live Once is your complete guide to understanding your money mindset and teaching you to manage money with a purpose--to live your dream lifestyle in this lifetime. In seven years, author Jason Vitug went from cleaning toilets and serving drinks to making decisions in a Silicon Valley boardroom. He had a walk-in closet as big as the room he and his brothers once shared, but he found himself living paycheck to paycheck. Through his personal story of how he redefined the way he sees money to live a more fulfilling life, he shares memorable lessons learned to motivate you to create a lifestyle budget, save purposefully, spend consciously, and rethink retirement. Addressing issues on a much deeper level than nuts-and-bolts financial plans, this revolutionary guidebook sheds light on the behaviors and spending habits that shape a person's money mindset. By enhancing your approach to money, you can avoid the irrational financial decision making undermining your rational goals. You can make actual progress your very first day with: A step-by-step process for assessing your spending habits and how to improve them to benefit from the power of time Focused exercises enabling you to identify your unique financial goals and create a customized savings strategy to turn your vision for your life into reality A concrete framework for clarifying the values shaping your life, increasing your income, and spending money with the purpose of materializing your dreams Money isn't a goal--it's a resource you need to live the life you see for yourself, and You Only Live Once shows you how to efficiently use your wealth to create and sustain the lifestyle you want.

Flap

You may think more money is the key to living the life of your dreams, but in reality, most people are unable to live the lives they want because they lack a clear vision for their life and are setting financial goals that do not align with what they truly value. If you want to rediscover your passions and define your purpose, You Only Live Once is your complete guide to understanding your money mindset and teaching you to manage money with a purpose--to live your dream lifestyle in this lifetime. In seven years, author Jason Vitug went from cleaning toilets and serving drinks to making decisions in a Silicon Valley boardroom. He had a walk-in closet as big as the room he and his brothers once shared, but he found himself living paycheck to paycheck. Through his personal story of how he redefined the way he sees money to live a more fulfilling life, he shares memorable lessons learned to motivate you to create a lifestyle budget, save purposefully, spend consciously, and rethink retirement. Addressing issues on a much deeper level than nuts-and-bolts financial plans, this revolutionary guidebook sheds light on the behaviors and spending habits that shape a person's money mindset. By enhancing your approach to money, you can avoid the irrational financial decision making undermining your rational goals. You can make actual progress your very first day with: A step-by-step process for assessing your spending habits and how to improve them to benefit from the power of time Focused exercises enabling you to identify your unique financial goals and create a customized savings strategy to turn your vision for your life into reality A concrete framework for clarifying the values shaping your life, increasing your income, and spending money with the purpose of materializing your dreams Money isn't a goal--it's a resource you need to live the life you see for yourself, and You Only Live Once shows you how to efficiently use your wealth to create and sustain the lifestyle you want.

Author Biography

JASON VITUG is the founder of Phroogal, a financial ­education start-up and lifestyle brand empowering millennials to live their dream lifestyles through financial knowledge. He is the promoter of the Smile Lifestyle movement, based on a belief that experiential and purposeful living can be achieved through informed financial decision making.

Table of Contents

Preface ix Acknowledgments xv About the Author xix Introduction 1 Part I On the Road to Financial Wellness 5 Chapter 1 Are You Living YOLO? 7 The Millennial Experience 7 The YOLO Mindset 8 Chapter 2 Financial Education and Living Your Dream Lifestyle 11 What Is Financial Education? 13 The ACT Process 14 Part II Awareness 15 Chapter 3 Know Where You're Starting From 17 Your Money Mindset 18 What Is Your Relationship with Money? 19 How Is Your Spending Contributing to Your Life? 20 How Are You Using Your Time? 22 Cultivate a Wealthy Money Mindset 23 Chapter 4 Know Where You Want to Go 31 Clarify Your Values 32 Have a Vision for Your Life 35 Follow a Money Philosophy 38 Chapter 5 Getting What You Want 41 Change Your Financial Behaviors and Habits 41 The Habit of Spending 42 The Habit of Saving 43 Get in the Know 45 Part III Creating a Plan 63 Chapter 6 Building a Lifestyle Budget and Spending Plan 67 Dealing with Your Fear of Lifestyle Change 70 Living the YOLO Lifestyle 74 The YOLO Budget 77 Chapter 7 Using the Purposeful Money Strategy to Spend and Save 97 Dual Checking Accounts Method 98 The Purposeful Savings Method 101 Chapter 8 Improving Credit Use and Eliminating Debt Forever 111 Credit Card Debt 115 Using the Debt Avalanche Method 117 Using the Debt Snowball Method 118 Part IV Taking Control 121 Chapter 9 Creating a Purposeful Life 123 Finding Happiness 124 Increasing Your Awareness 126 Organizing Your Finances 128 Managing Your Time 130 Having Better Conversations 132 Improving Financial Relationships 134 Chapter 10 Spending Rules 137 Spending Mindfully 138 Spend Less Than You Earn 139 Pay Less for Every Purchase 139 Spend on Loves, Not Likes 140 Use Credit Purposefully 142 Chapter 11 Living Mindfully 145 Building Your Freedom Fund 146 Don't Quit Your Job 148 Traveling the World 151 Lending Money to Family and Friends 152 Making Money with Money: Investing 153 Protecting Your Legacy: Insurance 155 Finding an Expert 156 Conclusion 159 Index 161

Long Description

PRAISE FOR YOU ONLY LIVE ONCE "You Only Live Once is an essential money and life guidebook to help you improve your relationship with money and create a wealthy and purposeful life. Jason's story is incredibly inspiring." FARNOOSH TORABI, Host of CNBC's Follow the Leader and So Money podcast "Jason is one of the most genuine, and positive, people I know. He wants people to live a life of happiness. You can't help but be moved to take action after reading this book!" J. MONEY, Founder, RockstarFinance.com "Jason Vitug's key message is to spend your time and money on things that matter. You Only Live Once provides a roadmap to leverage financial knowledge and recommended practices to simultaneously achieve financial wellness and work-life balance. Readers of all ages will benefit from his insights." DR. BARBARA O'NEILL, CFP, Distinguished Professor, Rutgers University "One of the founders of the credit union movement, Edward Filene, once said 'keep purpose constant.' Purpose drives the credit union system and keeping it central to your own personal financial life is vitally important as well, which Jason hits home in this book." GIGI HYLAND, Executive Director, National Credit Union Foundation "Ride along as your guide Jason Vitug shares his truly inspiring story and his practical tips for living a more intentional financial life." PHILIP TAYLOR, Founder, FinCon "Jason's approach to money is hopeful and energetic. If you're tired of money controlling your happiness and feeling hopeless about your finances, this book will help to shift your mindset from scarcity to abundance." TIFFANY ALICHE, "The Budgetnista" and Founder of the Live Richer Academy "We're all on the financial road to somewhere, aren't we? With You Only Live Once , Jason Vitug hands you not only a comprehensive roadmap, but also the powerful keys to success, some sunscreen, and shades." JOE SAUL-SEHY, Cohost, Stacking Benjamins podcast "This book is going to change your life! Jason has mindfully lived every part of what he shares and that makes all the difference. His transformational journey helps you to gain clarity on your own path to finding joy with money what could be better than that?" LEISA PETERSON, CFP, Mindful Money Mentor, Founder of WealthClinic "Jason's ACT process challenges you to accept your past decisions, establish new goals, and push forward to live the life you truly desire and deserve." PATRICE C. WASHINGTON, best-selling author of Real Money Answers and Money Maven of the Steve Harvey Morning Show

Details ISBN1119267366 Year 2016 ISBN-10 1119267366 ISBN-13 9781119267362 Format Hardcover Place of Publication New York Country of Publication United States Language English Media Book Subtitle The Roadmap to Financial Wellness and a Purposeful Life Short Title YOU ONLY LIVE ONCE DEWEY 332.024 Pages 192 Author Jason Vitug UK Release Date 2016-07-19 NZ Release Date 2016-05-27 Publisher John Wiley & Sons Inc Publication Date 2016-07-19 Imprint John Wiley & Sons Inc Audience General US Release Date 2016-07-19 AU Release Date 2016-05-26 We've got this

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