Ma se � cos� semplice, perch� non ci riesci? Perch� ogni mese prometti di risparmiare soldi e ogni mese arrivi a fine stipendio senza aver messo via nemmeno un euro?

LA VERIT� CHE NESSUNO TI DICE: Il problema non � il tuo stipendio. � che butti via l'equivalente di una pizza ogni mese in addebiti fantasma che hai dimenticato di avere, sprechi il costo di un caff� ogni giorno in micro-perdite che nemmeno noti, e cedi agli acquisti impulsivi per l'equivalente di una cena fuori al mese.

I tuoi 1000€ sono GI� nel tuo budget familiare. Solo che finiscono altrove.

QUESTO LIBRO TI INSEGNA A RECUPERARLI - TUTTI.

- IL METODO DEI 4 PILASTRI - TESTATO SU 500+ PERSONE

Non teoria astratta, ma un sistema di risparmio concreto sviluppato osservando le abitudini di spesa reali di centinaia di italiani con stipendi normali (1200-2500€ netti).

PILASTRO 1: ELIMINA LE INEFFICIENZE (30-50€/mese recuperati)

Caccia agli addebiti fantasma in 90 minuti
Eliminazione micro-perdite quotidiane
Rinegoziazione strategica contratti

PILASTRO 2: OTTIMIZZA GLI AUTOMATISMI (40-70€/mese risparmiati)

Spesa strategica senza perdere qualit�
Trasporti intelligenti
Abbonamenti condivisi legalmente

PILASTRO 3: CONTROLLA GLI IMPULSI (50-90€/mese controllati)

Filtro anti-impulso 24-48 ore
Budget divertimento in contanti
Lista desideri strategica

PILASTRO 4: PREVIENI GLI "IMPREVISTI" (30-60€/mese ottimizzati)

Calendario spese annuali
Fondo manutenzioni automatico
Pianificazione finanziaria preventiva

RISULTATI REALI DOCUMENTATI:

- Marco (1600€ netti): da 0€ risparmiati a 185€/mese in 3 mesi
- Giulia (1400€ netti): eliminati 79€ di sprechi solo nella prima settimana
- Roberto: 135€ risparmiati all'anno solo rinegoziando assicurazione auto
- Laura: 1680€ di "imprevisti" trasformati in spese programmate

PIANO D'AZIONE COMPLETO - 26 SETTIMANE STEP BY STEP

Non dovrai pensare a cosa fare. Il libro include una roadmap dettagliata settimana per settimana:

SETTIMANE 1-4: Fondamenta e primi risultati rapidi (80-140€/mese)
SETTIMANE 5-8: Ottimizzazione automatismi (totale 150-265€/mese)
SETTIMANE 9-12: Sistema a pieno regime (160-280€/mese stabilizzati)
SETTIMANE 13-26: Consolidamento e superamento obiettivo

PERFETTO SE:

- Hai uno stipendio medio ma fatica ad arrivare a fine mese
- Vuoi creare un fondo di emergenza senza sacrifici estremi
- Sei stanco di guide teoriche che non funzionano nella vita reale
- Hai gi� provato a gestire il denaro ma non hai mai avuto un metodo strutturato
- Vuoi risultati concreti e misurabili in tempi definiti

NON TROVERAI:

Consigli irrealistici tipo "non bere pi� caff�"
Teorie economiche complicate
Sacrifici che rovinano la qualit� di vita
Promesse irrealizzabili per diventare ricchi

TROVERAI INVECE:

Strategie intelligenti testate su persone reali
Numeri concreti e obiettivi misurabili
Azioni specifiche da fare ogni settimana
Controllo totale delle tue finanze personali

I tuoi 1000€ sono l�, nascosti nelle pieghe del tuo budget attuale. � tempo di andare a prenderli.

SMETTI DI PARLARE DI RISPARMIO. INIZIA A RISPARMIARE DAVVERO.

Primo libro della collana "Soldi & Subito" - Guide pratiche per finanze personali che producono risultati concreti

"About this title" may belong to another edition of this title.

Store Description

We first started out as ?The Paperback Exchange,? a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become ?PBShop.? This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first visit or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.

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Seller's business information

Pbshop.co.uk Ltd
Unit 22 Horcott Industrial Estate, Horcott Road, Fairford, GL7 4BX, United Kingdom

Sale & Shipping Terms

Terms of Sale

Returns Policy
We ask all customers to contact us for authorisation should they wish to return their order. Orders returned without authorisation may not be credited.
If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.

Returns requested beyond this time will not be authorised.

Our team will provide full instructions on how to return your order and once received our returns department will process your refund.
Please note the cost to return any...

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Right of withdrawal

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to PBShop.store US, Springfield Gardens, New York, U.S.A., +44 1285 712917, without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

Shipping Terms

Books are shipped from our US or UK warehouses. Delivery estimates allow for delivery from either location.

Shipping rates within U.S.A.

Shipping rates within U.S.A.
Order quantity	7 to 14 business days	7 to 14 business days
First item	� 0.00	� 0.00

Delivery times are set by sellers and vary by carrier and location. Orders passing through Customs may face delays and buyers are responsible for any associated duties or fees. Sellers may contact you regarding additional charges to cover any increased costs to ship your items.