You Need A Budget

You Need A Budget

The Proven System for Breaking the Paycheck-to-paycheck Cycle, Getting Out of Debt, and Living the Life You Want

Book - 2017
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Wall Street Journal Bestseller

Experience a life free of financial stress and transform your relationship to money with this indispensable guide--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 money--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 method--four, simple rules--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 payday....

Publisher: New York, NY :, Harper Business, an imprint of HarperCollins Publishers,, [2017]
Edition: First edition.
ISBN: 9780062567581
Characteristics: 207 pages ; 22 cm

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Cynthia_N May 11, 2018

What I really liked about this budget book was that it let you decide what is important in your budget. Most of these types of books tell you what is important: no eating out, no non-essentials, etc but this one lets you pick what is important. If getting your morning starbucks is what makes y... Read More »


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heidenkind
Jun 26, 2018

This is the type of budgeting system that can work for anyone, whatever your financial situation. As a freelancer I used to get stymied when I tried to create a budget because my income is unpredictable. How can I budget for next month when I don't know when or what I'll get paid? YNAB is absolutely perfect for that, and for keeping track of credit card spending.

That said, the book's really only an introduction to the system. You can find a ton more info and videos on using YNAB online, plus sign up for the app which is a whole other thing on its own.

Cynthia_N May 11, 2018

What I really liked about this budget book was that it let you decide what is important in your budget. Most of these types of books tell you what is important: no eating out, no non-essentials, etc but this one lets you pick what is important. If getting your morning starbucks is what makes your day... put it in the budget and make the adjustments some where else! Good ideas about giving every dollar a job.

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