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You Don't Need a Budget
Stop Worrying About Debt, Spend Without Shame, and Manage Money with Ease
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Narrated by:
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Dana Miranda
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By:
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Dana Miranda
About this listen
A simple, no-stress guide to managing money—free of the toxic messages and shame baked into traditional personal finance advice.
Track every dollar you spend. Check your account balances once a week. Always pay off your credit card bill in full. Make a budget—and stick to it. These are just a few of the edicts you'll find in virtually every personal finance book. But this kind of rigid, one-size-fits-all advice—usually written for and by wealthy white men (and a few women) with little perspective on the money struggles that many people face—is unrealistic, and only creates stress and shame.
As a financial journalist and educator, Dana Miranda is on a mission to liberate listeners from budget culture: the damaging set of beliefs around money that rely on restriction, shame, and greed—much like diet culture does for food and bodies. In this long-overdue alternative to traditional budgeting advice, Miranda offers a new approach that makes money easy for everyone, regardless of the numbers in their bank account.
Full of counterintuitive advice—like how to use debt to support your life goals, how to plan for retirement without a 401K, and how to take advantage of resources that exist to support those left behind by the forces of capitalism—You Don’t Need a Budget will empower listeners to get money off their mind and live the lives they want.
©2024 Dana Miranda (P)2024 Little, Brown SparkListeners also enjoyed...
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Your mindset about money is more important than ever before, especially for women and people of color. Feel-Good Finance will prepare you to rewrite your wealth narrative, help you heal your relationship with money once and for all, and attain the financial freedom you deserve.
By: Aja Evans
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Budgeting for Beginners
- Budgeting 101 for Men, Women, Couples, Parents and Businesses. An Introduction to Money Management Skills and Personal Finance Strategies for Entrepreneurs & Small Businesses
- By: John Noble
- Narrated by: Dr. Jeff Hutchinson
- Length: 4 hrs and 6 mins
- Unabridged
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Overall
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Performance
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Story
Do you feel like your pay check just passes through your account each payday, all spent up before you even get a chance to look at your account? Do you always find yourself scraping money together just to pay your bills? Do you often wonder where all your money goes, even if you’re making a decent income? If you do, then let’s face it - you need a budget. No matter how much money you have coming in, without a consistent way to keep track of it, that money is bound to vanish as soon as it goes into your pocket.
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Perfect Said
- By Rae on 01-06-23
By: John Noble
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Buy What You Love Without Going Broke
- Transform Your Spending and Get More of What Money Can’t Buy
- By: Jen Smith, Jill Sirianni
- Narrated by: Jen Smith, Jill Sirianni
- Length: 6 hrs and 17 mins
- Unabridged
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Overall
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Performance
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Story
There’s a lot of noise out there about how to spend (and not spend) your hard-earned money. But what if you made financial decisions based on what you value—instead of what others are telling you to value? This is the empowering approach Jen Smith and Jill Sirianni, hosts of the Frugal Friends podcast, want you to take to improve your spending habits. They believe you can value anything (yes, anything!), whether that’s a daily latte, fancy dinners out, or vacations. But, despite what social media is saying, you don’t value everything.
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Realistic, Actionable Financial Guidance
- By Anonymous User on 01-10-25
By: Jen Smith, and others
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The Complete Financial Literacy Collection 2 in 1
- A Fun & Easy Step-by-Step Guide for Kids, Teens & Young Adults to Master Smart Money Habits, Achieve Financial Security, and Grow Wealth with Ease (Financial Literacy Series)
- By: Money Mentor Publications
- Narrated by: Rachel Doolen, Otis Mahar
- Length: 6 hrs and 40 mins
- Unabridged
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Overall
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Performance
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Story
Empower your child or teen with essential skills for a financially secure future! This engaging guide simplifies budgeting, saving, and investing, teaching kids and young adults practical money management through real-life examples and exercises. They'll learn to navigate financial terms, use saving as a powerful tool to reach goals, and understand the basics of investing to make their money grow over time. Additionally, this book helps them spot scams, avoid common money mistakes, and build lifelong habits for financial security.
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Great Guide For Young Adults For their Future
- By Rhonda C on 02-27-25
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AI Strategy for Passive Income - Unlock Automated Wealth, Turn AI into Your Passive Income Partner
- AI strategy book, passive income books
- By: Brian Graves
- Narrated by: Virtual Voice
- Length: 12 mins
- Unabridged
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Overall
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Performance
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Story
Ready to make money while you sleep? This groundbreaking guide reveals how to harness the power of artificial intelligence to create sustainable passive income streams. Whether you're new to AI or an experienced entrepreneur, this book provides step-by-step strategies for leveraging cutting-edge tools to automate your income and maximize your earning potential. Discover how to: Identify the most lucrative AI-driven opportunities. Build scalable income streams with minimal effort. Automate your business processes to save time and boost profits. Stay ahead in the evolving AI economy. Packed ...
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impressive in how lightweight it was.
- By Amazon Customer on 01-15-25
By: Brian Graves
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The Childfree Guide to Life and Money
- Make Your Finances Simple so Your Life Without Kids Can Be Amazing
- By: Jay Zigmont PhD MBA CFP
- Narrated by: Jonathan Todd Ross
- Length: 8 hrs and 10 mins
- Unabridged
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Overall
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Performance
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Story
Childfree Wealth Specialist® Dr. Jay Zigmont flips FIRE—Financial Independence, Retire Early—on its head, showing how people without kids can live the FILE life—Financial Independence, LIVE Early—by following his eight No-Baby Steps. Whether you're single, coupled up, or planning the perfect Golden Girls living arrangement with your best friends, The Childfree Guide to Life and Money is the most comprehensive resource for designing your life, figuring out your finances, and living your best life.
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If you’re curious, just do it
- By Megan T. on 01-16-25
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Feel-Good Finance
- Untangle Your Relationship with Money for Better Mental, Emotional, and Financial Well-Being
- By: Aja Evans
- Narrated by: Diana Blue
- Length: 5 hrs and 27 mins
- Unabridged
-
Overall
-
Performance
-
Story
Your mindset about money is more important than ever before, especially for women and people of color. Feel-Good Finance will prepare you to rewrite your wealth narrative, help you heal your relationship with money once and for all, and attain the financial freedom you deserve.
By: Aja Evans
-
Budgeting for Beginners
- Budgeting 101 for Men, Women, Couples, Parents and Businesses. An Introduction to Money Management Skills and Personal Finance Strategies for Entrepreneurs & Small Businesses
- By: John Noble
- Narrated by: Dr. Jeff Hutchinson
- Length: 4 hrs and 6 mins
- Unabridged
-
Overall
-
Performance
-
Story
Do you feel like your pay check just passes through your account each payday, all spent up before you even get a chance to look at your account? Do you always find yourself scraping money together just to pay your bills? Do you often wonder where all your money goes, even if you’re making a decent income? If you do, then let’s face it - you need a budget. No matter how much money you have coming in, without a consistent way to keep track of it, that money is bound to vanish as soon as it goes into your pocket.
-
-
Perfect Said
- By Rae on 01-06-23
By: John Noble
-
Buy What You Love Without Going Broke
- Transform Your Spending and Get More of What Money Can’t Buy
- By: Jen Smith, Jill Sirianni
- Narrated by: Jen Smith, Jill Sirianni
- Length: 6 hrs and 17 mins
- Unabridged
-
Overall
-
Performance
-
Story
There’s a lot of noise out there about how to spend (and not spend) your hard-earned money. But what if you made financial decisions based on what you value—instead of what others are telling you to value? This is the empowering approach Jen Smith and Jill Sirianni, hosts of the Frugal Friends podcast, want you to take to improve your spending habits. They believe you can value anything (yes, anything!), whether that’s a daily latte, fancy dinners out, or vacations. But, despite what social media is saying, you don’t value everything.
-
-
Realistic, Actionable Financial Guidance
- By Anonymous User on 01-10-25
By: Jen Smith, and others
-
Your Money Playbook
- How to Earn More, Build Wealth, and Win at Life
- By: Brandon Copeland
- Narrated by: Adam Lazarre-White, Brandon Copeland
- Length: 7 hrs and 50 mins
- Unabridged
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Overall
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Performance
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Story
Brandon Copeland has always been different. His determination to succeed and create the life he wanted launched him from Baltimore to the University of Pennsylvania and then to the NFL. Over his ten-year playing career, he saved and invested the majority of his earnings, created other business opportunities, and motivated his teammates as the locker room’s money professor. He returned to the same Ivy League classrooms midway through his football career to launch his Life 101 financial education platform, reaching thousands of students in-person and online.
By: Brandon Copeland
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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
- By: Jesse Mecham
- Narrated by: Jesse Mecham
- Length: 4 hrs and 54 mins
- Unabridged
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Overall
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Performance
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Story
For most people, budgeting conjures up the same feelings as, say, prison and dieting. But your initial instinct couldn't be further from the truth. You just haven't budgeted the right way. You Need a Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. A liberating, enabling, empowering budget will actually make you feel more free, not more restricted.
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Worth the preorder
- By Jonathan on 01-02-18
By: Jesse Mecham
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Budgets Don't Work (But This Does)
- By: Melissa Browne
- Narrated by: Melissa Browne
- Length: 6 hrs and 49 mins
- Unabridged
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Overall
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Performance
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Story
When it comes to saving and spending money, we’re not all the same. Yet for too long, the financial advice world has treated us as if we are. This audiobook will give you the tools you need to make that long-awaited financial breakthrough, allowing you to discover your ‘Financial Phenotype’: the unique combination comprising your money story, your money environment, your money type and, just as importantly, the habits, triggers and tricks that are right for you.
By: Melissa Browne
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Designing & Leading Life-Changing Workshops
- Creating the Conditions for Transformation in Your Groups, Trainings, and Retreats
- By: Ken Nelson, David Ronka, Lesli Lang, and others
- Narrated by: Brian Arens, Sonja Field
- Length: 7 hrs and 43 mins
- Unabridged
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Overall
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Performance
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Story
Master the art of crafting workshops that not only educate but also inspire lasting transformation in participants, with this time-tested and user-friendly guide. This comprehensive guidebook equips you with everything you need to successfully facilitate personal growth and collective wisdom in workshops, retreats, and trainings. Featuring a range of ready-to-use exercises, templates, worksheets, and checklists, this results-driven guide empowers you to confidently create and fine-tune your workshops with confidence and skill.
By: Ken Nelson, and others
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Accounting 101
- From Calculating Revenues and Profits to Determining Assets and Liabilities, an Essential Guide to Accounting Basics
- By: Michele Cagan CPA
- Narrated by: Jennifer Aquino
- Length: 7 hrs and 31 mins
- Unabridged
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Overall
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Performance
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Story
CPA Michele Cagan provides a quick and easy guide to help you learn the basics of accounting.
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Finance for the People
- Getting a Grip on Your Finances
- By: Paco de Leon
- Narrated by: Paco de Leon
- Length: 9 hrs and 45 mins
- Unabridged
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Overall
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Performance
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Story
We are all weird about money. Whether you have a lot or a little, your feelings and beliefs about money have been shaped by a combination of silence (or even shame) around talking about money, personal experiences, family and societal expectations, and a whole big complex system rigged against many of us from the start. Begin with that baseline premise and it’s no surprise so many of us find it so difficult to save enough money, emotionally draining to deal with student loans, and nearly impossible to understand the esoteric world of investing.
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Financial emotional distress…
- By Jack Estberg on 10-20-23
By: Paco de Leon
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Sleep Drink Breathe
- Simple Daily Habits for Profound Long-Term Health
- By: Michael Breus PhD
- Narrated by: Michael Breus PhD
- Length: 8 hrs and 2 mins
- Unabridged
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Overall
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Performance
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Story
Good health doesn’t have to be complicated. Sleeping, hydrating, and breathing are fundamental to life, and making simple adjustments to the way we perform these basic functions can have an extraordinary impact on our health and wellbeing. In Sleep Drink Breathe, bestselling author Dr. Michael Breus shares the most recent science on these biobehaviors and inspiring patient stories that are the basis for his innovative strategy for optimizing your sleep, hydration, and breathing habits.
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Experiencing the American Dream
- How to Invest Your Time, Energy, and Money to Create an Extraordinary Life
- By: Mark Matson
- Narrated by: Mark Matson
- Length: 11 hrs and 22 mins
- Unabridged
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Overall
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Performance
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Story
Your financial future is too important to leave to chance. Find purpose for your money and freedom for yourself and family. Experiencing The American Dream: How to Invest Your Time, Energy, and Money to Create an Extraordinary Life is a compelling book with clear, potentially life-altering truths about economics and investing. As you listen, you'll engage in a profound exploration of your family's financial future.
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Relatable
- By Maeve on 02-11-25
By: Mark Matson
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Take Back Your Brain
- How a Sexist Society Gets in Your Head—and How to Get It Out
- By: Kara Loewentheil
- Narrated by: Kara Loewentheil
- Length: 7 hrs and 39 mins
- Unabridged
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Overall
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Performance
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Story
What if every time you had a self-critical thought, you heard it in a man’s voice? The truth is not far off. Living in a patriarchy, women absorb a lifetime of messages that say your worth is defined by your looks, your accomplishments, and how well you take care of everyone around you. In fact, these messages are so pervasive that, even knowing they exist, they still manage to program themselves into our brains. The result is that women end up feeling anxious, guilty, and vaguely ashamed of themselves no matter how much they do for others or achieve for themselves.
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Needed this book in my 20s
- By Nat on 02-06-25
By: Kara Loewentheil
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Power Manifesting
- The New Science of Getting What You Want
- By: Paul McKenna
- Narrated by: Paul McKenna
- Length: 3 hrs and 19 mins
- Unabridged
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Overall
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Performance
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Story
If you are not getting what you want in life, or even if your life is already amazing, by using the new science of Power Manifesting, it will take it to even greater heights of success, happiness and joy, in every area of your life! In the few hours that it takes you to listen to this book and do the techniques, you will start to notice massive changes in levels of motivation and positivity.
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Packed with info!
- By Jolly Roger on 01-27-25
By: Paul McKenna
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The Power of Bridging
- How to Build a World Where We All Belong
- By: john a. powell
- Narrated by: john a. powell
- Length: 7 hrs and 23 mins
- Unabridged
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Overall
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Performance
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Story
Throughout the book, powell shares personal reflections as well as practices to help you begin bridging wherever you are—in your community, friendships, family, workplace—even with those whom you might never have imagined you could find common ground.
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Wisdom for our time
- By Tasnim McCormick Benhalim on 02-05-25
By: john a. powell
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Fluent Forever (Revised Edition)
- How to Learn Any Language Fast and Never Forget It
- By: Gabriel Wyner
- Narrated by: Gabriel Wyner
- Length: 11 hrs and 12 mins
- Unabridged
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Overall
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Performance
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Story
At thirty years old, Gabriel Wyner speaks six languages fluently. He didn’t learn them in school—who does? Rather, he learned them in the past few years, working on his own and practicing on the subway, using simple techniques and free online resources—and here he wants to show others what he’s discovered. This is brain hacking at its most exciting, taking what we know about neuroscience and linguistics and using it to create the most efficient and enjoyable way to learn a foreign language in the spare minutes of your day.
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A great guide to thinking about learning.
- By Anonymous User on 01-02-25
By: Gabriel Wyner
What listeners say about You Don't Need a Budget
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- Kristen Chase
- 02-09-25
Helpful antidote to budget culture
While I felt some of the points were fairly radical and not necessarily actionable, I appreciated the author’s approach to capitalism and her presentation of a different way of thinking related to money.
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