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You need a budget : the proven system for…
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You need a budget : the proven system for breaking the paycheck-to-paycheck cycle, getting out of debt, and living the life you want (vuoden 2017 painos)

Tekijä: Jesse Mecham

JäseniäKirja-arvostelujaSuosituimmuussijaKeskimääräinen arvioMaininnat
301786,589 (3.98)11
Business. Finance. Nonfiction. HTML:

Experience a life free of financial stress and transform your relationship to money with this indispensable guideâ??the first book based on You Need A Budget's proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live.

No one should tell you what to do with your moneyâ??only you know what's most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven methodâ??four, simple rulesâ??will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:

  • Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it.
  • Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.
  • Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they're guilt-free, realistic, and sustainable.
  • Age Your Money. As you repeat the first three rules, you'll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you'll have finally broken the paycheck to paycheck cycle for good.
  • This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don't waste another month counting down the minutes until pay… (lisätietoja)

    Jäsen:RJHardeman
    Teoksen nimi:You need a budget : the proven system for breaking the paycheck-to-paycheck cycle, getting out of debt, and living the life you want
    Kirjailijat:Jesse Mecham
    Info:New York, NY : HarperBusiness, an imprint of HarperCollinsPublishers, [2017]
    Kokoelmat:IILSCIN Reference, Oma kirjasto
    Arvio (tähdet):
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    You Need A Budget (tekijä: Jesse Mecham)

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    » Katso myös 11 mainintaa

    Näyttää 1-5 (yhteensä 7) (seuraava | näytä kaikki)
    I decided to do a reread of this as I’ve been consistently using YNAB for almost twenty months and am proud of how I’ve been able to save. I’ve been listening to the Budget Nerds guys from YNAB so thought I’d return to the source of the rules here, and I realized I like those guys more than the author/founder. Most of it likely has to do with the fact that he has six kids and lives in Utah, so I’m getting yucky Mormon* vibes which turn me off (a lot of the people interviewed have lots of kids too), but then he also seems very dude-bro which annoys me as well.

    But the book really is a good primer for how YNAB works since it’s unlike other budgeting apps I’d seen before; it’s basically the envelope system in digital form, but I do love how much more in control I feel over my money and the decisions I make regarding spending.

    *Note that I don’t actually know if he’s Mormon, but even if not I apparently have issues with people who seem to want to overpopulate the world all by themselves. ( )
      spinsterrevival | May 15, 2023 |
    Simple and easy follow rules to start and stick to a budget. I love how the plan is really not a plan, just guidelines to help you make decisions so you can track your money, be flexible, and know what your priorities truly are. ( )
      Crystal199 | Aug 3, 2022 |
    The system seems solid, and certainly the software and app are helping me visualize and control my budget a lot better than I ever could in my homemade Excel files. The book, though, is pretty meh. There's not a lot of new information that can't be gleaned from the app itself in terms of how to use the YNAB system. And like the "regular people" examples in every other budget book out there, most of Mecham's "regular people" are earning a hell of a lot more than me, which makes the book a little discouraging and thus counterproductive.

    If you need or want a pep talk, the book is perfect. If you want to learn how to actually use the YNAB system, sign up for the free trial and read all the documentation.

    And like most books of this type, don't expect any acknowledgement of, let alone advice for, people in genuine poverty. If you're earning less than a living wage, whatever that means in your region of the country, YNAB has no advice for you, except maybe to earn more money. ( )
    2 ääni IVLeafClover | Jun 21, 2022 |
    No frills, no surprises, just helpful advice that almost everyone can relate to. Worth reading if you're trying to figure out your finances. ( )
      OutOfTheBestBooks | Sep 24, 2021 |
    An excellent read.

    I've been using the YNAB system for years, and simply following the basic rule: "Every Dollar Gets a Job" changed my perspective of budgeting. I've been a successful budgeter ever since I discovered YNAB almost 4 years ago. It was a boon in many ways, from funding annual trips to helping me survive months of unemployment. This books expounds and codifies the basic YNAB principle in a way that is immediately practical and customizable for your context. It's more than budgeting, it's a financial philosophy that affords good stewardship.

    Everyone should read this. ( )
      redeemedronin | Dec 28, 2020 |
    Näyttää 1-5 (yhteensä 7) (seuraava | näytä kaikki)
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    Business. Finance. Nonfiction. HTML:

    Experience a life free of financial stress and transform your relationship to money with this indispensable guideâ??the first book based on You Need A Budget's proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live.

    No one should tell you what to do with your moneyâ??only you know what's most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven methodâ??four, simple rulesâ??will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:

    Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it. Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they're guilt-free, realistic, and sustainable. Age Your Money. As you repeat the first three rules, you'll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you'll have finally broken the paycheck to paycheck cycle for good.

    This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don't waste another month counting down the minutes until pay

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