The Money Manual: What They Should've Taught Us About Money But Didn't

The Money Manual: A Practical Guide to Understanding and Managing Your Finances
By Elena Colquitt, Founder & CEO of MoneyMate by EpocHarvest

You'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.

You're not alone.

In 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, The Money Manual is here to help you shift.

Written 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:

• Improve your credit score quickly and legally
• Use proven debt payoff methods (without going broke doing it)
• Decide when to save vs. when to pay down debt
• Get mortgage-ready (and avoid the "house poor" trap)
• Understand when to refinance and when not to
• Build business credit that doesn't wreck your personal score
• Know when-and how much-to pay yourself as a business owner
• Avoid common tax mistakes as a freelancer or entrepreneur

You'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.

Bonus: Your purchase includes an exclusive 50% off discount for MoneyMate, Elena's patented personal + business financial software that creates custom plans based on your real-time data-no spreadsheets required.