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The Golden Ratio of Saving: How Much Is Enough (and How to Make It Happen) | Digital Guide for Smart Money Management, Personal Finance, and How Much to Put in Savings

The Golden Ratio of Saving: How Much Is Enough (and How to Make It Happen) | Digital Guide for Smart Money Management, Personal Finance, and How Much to Put in Savings

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Product Description

Product Description

Ever wondered how much to put in savings without falling into the trap of one-size-fits-all advice? The Golden Ratio of Saving: How Much Is Enough (and How to Make It Happen) is a practical, easy-to-follow guide that helps you find your own savings sweet spot. Whether you’re just starting to build financial security or looking to optimize what you already have, this digital download takes the guesswork out of saving money and makes it simple, personal, and doable. Perfect for anyone who wants a clear path to financial confidence without financial jargon overload.

What’s Inside

  • Introduction: The Magic Number Myth – why “how much to save” isn’t the same for everyone
  • Chapter 1: Defining your saving needs with personalized buckets (emergency, short-term, long-term)
  • Chapter 2: Smart percentages that work in real life, including the 20% rule and flexible alternatives
  • Chapter 3: How to make saving automatic and sustainable through habits and automation
  • Chapter 4: Going beyond savings into wealth-building and creating your own “enough number”
  • Practical sections: Case studies, real-life examples, and worksheets to apply concepts immediately

Practical Benefits

  • Learn exactly how much to put in savings based on your lifestyle and goals
  • Get step-by-step guidance that adapts to freelancers, families, or anyone on a budget
  • Avoid the most common mistakes people make when setting unrealistic saving goals
  • Discover how to automate your saving so it becomes effortless
  • Move from just saving money to growing long-term wealth and security

Who This Is For

This guide is perfect for anyone who feels confused about how much to save, struggles with sticking to a plan, or wants to future-proof their finances. Whether you’re a beginner, a freelancer, or someone looking to refine your money habits, this resource gives you clarity and confidence with actionable steps you can actually follow.

Why This Guide Is Different

Unlike generic financial advice that throws around random percentages, this guide helps you customize savings to fit your real life. It blends simple financial strategies with relatable case studies and tools you can use right away. Instead of just telling you what to do, it shows you how to make it stick in a way that works for you.

Take Action Now

Stop wondering if you’re saving enough—and start knowing. Download The Golden Ratio of Saving: How Much Is Enough (and How to Make It Happen) today and take the first step toward a financial plan that actually fits your life.

Shipping & Payment

We are proud to offer international shipping services that currently operate in over 200 countries and islands world wide. Nothing means more to us than bringing our customers great value and service. We will continue to grow to meet the needs of all our customers, delivering a service beyond all expectation anywhere in the world.

How do you ship packages?

Packages from our warehouse in China will be shipped by ePacket or EMS depending on the weight and size of the product. Packages shipped from our US warehouse are shipped through USPS.

Do you ship worldwide?

Yes. We provide free shipping to over 200 countries around the world. However, there are some locations we are unable to ship to. If you happen to be located in one of those countries we will contact you.

What about customs?

We are not responsible for any custom fees once the items have shipped. By purchasing our products, you consent that one or more packages may be shipped to you and may get custom fees when they arrive to your country.

How long does shipping take?

Shipping time varies by location. These are our estimates:

Location *Estimated Shipping Time
United States 10-30 Business days
Canada, Europe 10-30 Business days
Australia, New Zealand 10-30 Business days
Central & South America 15-30 Business days
Asia 10-20 Business days
Africa 15-45 Business days
*This doesn’t include our 2-5 day processing time.

Do you provide tracking information?

Yes, you will receive an email once your order ships that contains your tracking information. If you haven’t received tracking info within 5 days, please contact us.

My tracking says “no information available at the moment”.

For some shipping companies, it takes 2-5 business days for the tracking information to update on the system. If your order was placed more than 5 business days ago and there is still no information on your tracking number, please contact us.

Will my items be sent in one package?

For logistical reasons, items in the same purchase will sometimes be sent in separate packages, even if you've specified combined shipping.

If you have any other questions, please contact us and we will do our best to help you out.

Refunds & Returns

Order cancellation

All orders can be cancelled until they are shipped. If your order has been paid and you need to make a change or cancel an order, you must contact us within 12 hours. Once the packaging and shipping process has started, it can no longer be cancelled.

Refunds

Your satisfaction is our #1 priority. Therefore, you can request a refund or reshipment for ordered products if:

  • If you did not receive the product within the guaranteed time( 45 days not including 2-5 day processing) you can request a refund or a reshipment.
  • If you received the wrong item you can request a refund or a reshipment.
  • If you do not want the product you’ve received you may request a refund but you must return the item at your expense and the item must be unused.

We do not issue the refund if:

  • Your order did not arrive due to factors within your control (i.e. providing the wrong shipping address)
  • Your order did not arrive due to exceptional circumstances outside the control of product-digital (i.e. not cleared by customs, delayed by a natural disaster).
  • Other exceptional circumstances outside the control of https://products-digital.sellviastore.com

*You can submit refund requests within 15 days after the guaranteed period for delivery (45 days) has expired. You can do it by sending a message on Contact Us page

If you are approved for a refund, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within 14 days.

Exchanges

If for any reason you would like to exchange your product, perhaps for a different size in clothing. You must contact us first and we will guide you through the steps.

Please do not send your purchase back to us unless we authorise you to do so.

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