You Need a Budget
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
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Narrated by:
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Jesse Mecham
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By:
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Jesse Mecham
About this listen
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. The YNAB philosophy is centered around these four rules:
- Give every dollar a job. Take your cash, checking, and saving accounts and assign jobs to that money. Begin now with what you have on hand. Then follow your plan. Pick your priorities, and make sure your dollars are helping you move closer to the things you care about most.
- Embrace your true expenses. Look ahead and identify the larger, less frequent expenses that tend to sneak up on you. Break those expenses into manageable monthly amounts. Consider insurance premiums, birthdays, holidays, charitable giving, car repairs, etc. This practice evens out your cash outflows, decreases your stress, and helps you make better decisions.
- Roll with the punches. Accept the fact that life always changes and you'll likely always go over budget somewhere. If an unexpected expense comes up and you need to change your budget, just change it. The YNAB philosophy not only tolerates changing your budget but encourages it.
- Age your money. The goal of this rule is to increase the time between the moment you earn money and the moment you spend that money. In other words, if you're going to break the paycheck-to-paycheck cycle, you need to learn to live on money you earned a month or two months or even three months ago.
YNAB's four rules are the pillars of a tried-and-true system that gets you to engage with your money every day. It helps you change your behavior so that you're proactive and in control of your finances. It's not about stressing over last month's statement; instead, you're looking ahead and actively deciding how you want and need to build a life of meaning, not stress.
PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio.
©2017 YNAB Licensing LLC (P)2017 HarperCollins PublishersListeners also enjoyed...
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Meet Steve and Annette Economides. They've been called cheapskates, thriftaholics, and tightwads, but in these tough economic times, Steve and Annette have managed to feed their family of seven on just $350 per month, pay off their first house in nine years and purchase a second, larger home, buy cars with cash, take wonderful vacations, and put money in savings. Without degrees in finance or six-figure salaries, Steve and Annette have created a comfortable, debt-free life for themselves and their children.
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An upbeat approach to doing more with less
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Dave Ramsey's New York Times best-selling guide to better living through financial security, now completely revised and updated.
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Surprisingly disappointing - sorry dave
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What listeners say about You Need a Budget
Average customer ratingsReviews - Please select the tabs below to change the source of reviews.
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- Tanisha Evans
- 05-30-19
Best budget system ever
I have used every budget app followed all the Budget advice from those who seemed to know about money and never could get MY MONEY to do what I wanted it to do. Until I came across YNAB now I had it seen before and just shrugged it off as just another system. Fast forward some years and three kids later I found myself drowning in debt living paycheck to paycheck (barely) and just looking for a miracle from God. So I started doing my research watching different YouTube video reviews and again YNAB came up. So I said what can I lose I checked it out and haven’t looked back since. I’m no where near where I wanna be and to be honest was ready to quit but after reading this book it gave me such a better insight on the overall philosophy I am actually excited about budgeting now and don’t look at it as a chore. I’m such a competitive person so this allows me to see how far will go to hit my financial goals. This system has blessed me in a way far beyond budgeting just my overall thought on finances and quality of life will be forever changed. I plan on buying the actual book to keep as a reference.
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2 people found this helpful
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- Troy
- 06-14-18
Seems like a good plan.
The book was inspirational. I look forward to putting this to action. The website is pretty critical to making this work, it seems.
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1 person found this helpful
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- BKS540
- 11-12-18
Great System
This is a great budgeting system, and a good intro to the YNAB software. If you use the software, you should read this book. If you don't use the software, but want to be a better at budgeting, you should read this book.
Great book for anyone instersted in budgeting philosophy.
#budget #money #advice #tagsgiving #sweepstakes
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1 person found this helpful
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- Anderia
- 07-18-18
Very Engaging!
This book was great to listen too. It provided great advice. Great advice that is easy to follow without getting overwhelmed about your debt.
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- KSQueen
- 11-24-18
Common Sense Rules to Change Your Life
I cannot wait to put these principles into action in my real life. Easy listening, everyday common sense rules to get you on track. And I even got the book for a super great sale price. Bonus! Don’t miss this one, it’ll be worth every penny even if you miss the sale!
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- Eublepharis
- 09-18-18
motivating
this made budgeting feel much more manageable. it's a motivating read for saving on any budget.
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- Anonymous User
- 09-01-20
Worth the listen.
Very good knowledge in this book.
It's worth a re-listen.
Go ahead. Study it. Enjoy
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- Rebecca Drumbor
- 03-02-20
Good methodology
Easy to follow on audio. I’ve implemented some of the steps and already ( after weakly following for 2 months) am seeing improvement in my ability to stick to my new budget, and much less anxiety over it.
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- SaritaKJ
- 06-19-19
Excellent and Essential
Outstanding book--the best there is on budgeting. Read by the author and creator of YNAB himself. Well written, well read. Highly recommended.
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- Anonymous User
- 01-26-20
AWESOME LISTEN!
This book should be in everyone's library! Jesse has developed a superb budget program that's not only easy to follow but fun to do. He also explains how to get your kids onboard which is amazing in itself. I highly recommend this book.
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