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Wall Street Journal Bestseller
“Jesse Mecham has achieved the impossible: a book on budgeting that is fascinating, entertaining, and practical. Read this book, follow his advice, then watch your bank account grow and your financial worries fade.” —Josh Kaufman, bestselling author of The Personal MBA and The First 20 Hours?
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.
ASIN : B071Y2XSFN
Publisher : Harper Business; Illustrated edition (Dec 26 2017)
Language : English
File size : 2.3 MB
Text-to-Speech : Enabled
Screen Reader : Supported
Enhanced typesetting : Enabled
X-Ray : Enabled
Word Wise : Enabled
Print length : 213 pages
Page numbers source ISBN : 0062567594
Customers say
Customers find the book useful and easy to understand. They appreciate its practical advice and insights on budgeting and money management that help them live a good life without financial problems. The book covers four basic rules that are simple to grasp and apply in any situation. Overall, customers consider it a good, practical read with realistic money management advice.
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SS –
We needed a budget!
We’re following this money plan, and the book is a great support to go along with it. We “give every dollar a job” and are making our finances work much more smoothly. Highly recommend this book — it’s an interesting and easy read.
Greekartemis –
Simple, Personal, and Easy to Understand
Jesse Mecham does excellent work boiling down budgeting to a simple, easy to understand process for anyone. I love that he doesn’t required YNAB to play a role in following the guidelines and that anyone can really understand what it means to budget and prioritize. It’s a quick, easy read for anyone and well worth the money!
J. S. Wilson –
Definitely worth a read in my opinion.
An excellent and very accessible book that covers four basic rules for consideration when you are budgeting. I won’t summarize what those are as they are contained in the book and are easy to find on the internet either way.The book is clear, concise, and easy to read (1 day of off and on reading for me). The author offers several suggestions around additional budgeting questions such as couple’s budgeting, teaching your children how to budget, and debt recovery. Finally there is a chapter on how to cope when you feel like quitting (which sounds common in *ALL* systems based programming!)This is a rules based system rather than a practical or practice based content. You won’t be finding out if, for instance, you should deduct this or that expense. Rather this is more of a financial philosophy of approaching your view of and categorization of your money.Definitely worth a read in my opinion.
Amazon Customer –
Clear, concise, accessible
I constantly read sections of this book when I need to figure things out for my budget or just get myself back in the budget Groove. Everything in here makes complete sense and is super easy for anybody to just do right away and make a huge difference it’s an amazing system in an amazing book
Anonymous –
Much better than other books. Practical for any income level.
Good book. Very practical. You could probably skip and stories and still receive a valuable perspective. Much better than other books as the
R. L. Selkirk –
If you’re already familiar with YNAB, there’s no new information here.
I have been using YNAB software for 5+ plus years. It has completely changed the way I think about money and my bank account balance. I will use this style of budgeting (zero-based budgeting) for the rest of my life. I purchased this book because I was hoping to gain new insights and have a little bit of refresher on budgeting this way. The book contains much of the information explained on the YNAB website along with a few real life examples. This book would be best for someone who is completely new to YNAB. I don’t feel like I got much out of it.Something that surprised me was that there weren’t a lot of examples of what a typical budget might look like, or really how to set one up. I get that maybe Jesse tried to write a book that was broad enough to appeal to anyone, not just users of his software, but I don’t feel like I could give this book to someone who had never budgeted, without also showing them how to set up a budget. It would have been good to see many different budgets and how different people deal with budgeting categories.
ReadingLearner –
Excellent àdvice!
I would recommend thos book for people who want a simple and effective strategy to budget. His 4 rules are easynto grasp and apply to any situation. Great use of your money.
Robin –
Good read….
Although I have used YNAB for a few years, this book had value and was worth the read. I am motivated to make 2018 the year that I truly embrace the 4 simple rules.
Jackie –
Loved this book. Talks about money in a way that I’ve never seen before and feels like a conversation not a lecture. Always been big on budgeting and this just revolutionized my process!!!
Manuela –
E’ un libro che tutti dovremmo leggere, investendo tempo per migliorare le nostre finanze personali. Mi è piaciuto molto.
HECTOR ZERMENO –
Me encantó el enfoque hacía algo que muchas personas deberían de hacer; pero no hacen por mil razones, su presupuesto. El acercamiento del libro hacia el tema es muy práctico, y sobre todo, nos incentiva a llevar a cabo y mantener el buen hábito de presupuestar.
Larry –
This should be compulsory reading in high school to teach our children the art of budgeting and leading a more rewarding life rather than living with the stress of a never ending cycle of debt.
Stefan –
I rarely sit down to write reviews anymore, but I have to for YNAB.I started budgeting with YNAB in 2013 after a lifetime of uncontrolled and irresponsible spending of money I either just got or didn’t have, and I was experiencing considerable anxiety and fear around money.I had just moved out of my parents’ house and had to find my own way in life financially, with all-new responsibilities.YNAB literally saved my financial life. I love it. I love that I can plan ahead. I love that I have order in my life. I love that I can play and feel around with the money I have.Since 2013 I have turned my net worth around, from -xx.xxx,- to +xx.xxx,-, and financially I am now almost totally stress-free. YNAB has allowed me not to “save for a rainy day” but to plan ahead, taking all the little and big irregular expenses into account and put them one stress-free budget.Can I live off the money I have today for the next 6 months without missing out on anything? Yes!Fridge quits working, laptop implodes – don’t worry, replacements are within budget!Gas/Electricity for 2021 (!) are taken care of and in the budget now. Now that’s freedom!The money I earn this August will probably be spent sometime next year. What a relief!I don’t even look at my bank balance anymore – because that’s not what’s available to me now.Only YNABers know the freedom a bit of planning brings. Budgeting doesn’t feel restrictive, it’s the freedom to see what’s ahead, even if I have to make an adjustment here or there.YNAB has turned out to be one of the very best decisions I have made in my adult life.The book lays out Jesse’s philosophy quite nicely, and thank god it wasn’t just an ad for the software, since you could do all of it in an Excel spreadsheet, but the software is quite simply amazing and fun, so do yourself a favour and get it. You won’t regret it.