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Free standard shipping on orders over $99
Estimated to be delivered on 6-12 Days.
At Lumaryon Universal, customer satisfaction is our priority. If you are not completely satisfied with your purchase, you may request a return within the eligible return period as outlined on our website. Items must be returned in their original condition, unused, and in original packaging to qualify for a refund.
Once your return is received and inspected, we will notify you of the approval or rejection of your refund. Approved refunds will be processed to the original method of payment within a reasonable timeframe. Shipping fees are non-refundable unless the return is due to a defective product or an error on our part.
Customers are responsible for return shipping costs unless otherwise stated. Please note that certain items may be non-returnable due to hygiene, safety, or clearance reasons, which will be clearly communicated at the time of purchase. We recommend contacting our support team before returning any item to ensure a smooth and efficient return process.
by Charmaine Troy (Author)
If you are a first-generation student, you were likely expected to figure out money on your own, with little guidance and even fewer conversations about how it really works. No One Told Me About Money: Building Financial Confidence as a First-Generation Student is a practical and reflective guide that helps you move from confusion to clarity and from fear to confidence. Blending financial literacy with mindset and identity, this book walks you through understanding the money beliefs you inherited, breaking free from scarcity thinking, and building the confidence to make informed financial decisions. Through simple exercises, journal prompts, and reflection pages, you will develop habits around spending, saving, and earning that align with your goals and values. Designed specifically for first-generation students navigating college and early career decisions, this workbook supports you in becoming intentional, informed, and empowered with money, one decision at a time.
At Lumaryon Universal, we are committed to providing a smooth and reliable shipping experience for every customer. All orders are carefully processed within 1–3 business days, excluding weekends and and public holidays.
Once dispatched, orders are shipped using trusted carriers, with an estimated delivery timeframe of 6–12 business days, depending on your location and carrier conditions. Customers will receive a shipping confirmation email with tracking information as soon as their order is shipped, allowing them to monitor delivery progress.
While we strive to meet estimated delivery times, occasional delays may occur due to factors beyond our control, such as weather conditions or carrier disruptions. Our team remains available to assist with any shipping or delivery inquiries to ensure a secure and hassle-free shopping experience.
Free Shipping On All Orders Over $99
Our support team always ready for you to 7 days a week
100% Secure Transactions
30 Day Return Policy
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