CENT$ and S£NS€ - ABILITY

The Microeconomics of Financial Essentials for University/College Students & Young Adults: Spend Mindfully, not Impulsively, and Cultivate a Wealth Mindset

De: M MacDonald BSc DipCBT

Narrado por: JDX Springfield

What if your everyday money choices could change your entire future?

College is where financial habits are formed—often accidentally, under pressure, and without guidance. Cents and Sense-Ability is a motivational, student-centered guide that helps you take control of your money before costly mistakes become lifelong regrets.

This book goes beyond basic budgeting. It connects microeconomics to real student life—how small, daily financial decisions quietly shape your lifestyle, stress levels, and long-term wealth. You’ll learn how to spend mindfully instead of impulsively, understand why you make certain money choices, and build a financial mindset that supports freedom rather than anxiety.

Inside, you’ll discover how to:

• Create a realistic budget that works with college life
• Control impulse spending without sacrificing enjoyment
• Understand credit cards, debt, and student loans before they control you
• Build strong money habits using behavioral economics principles
• Develop a wealth mindset—even with limited income
• Make confident financial decisions as a young adult

Written in clear, motivating language, this book is ideal for college and university students, as well as young adults seeking clarity, confidence, and control over their finances. It’s also a powerful High School graduation or college-bound gift for parents who want to give more than advice—they want to provide direction.

Your financial future isn’t built in one big moment.

It’s built one cent, one penny, one choice, one mindset at a time.

Start making sense of your money—today.

©2025 F M MacDonald (P)2026 FM MacDonald