YOU NEED A BUDGET BOOK
Editorial Reviews. Review. “When your financial planner sternly says you need a budget,it's like with this indispensable guide—the first book based on You Need A Budget's proven method that has helped hundreds of thousands of people. Think of a budget as a lifestyle-design blueprint. It's a working plan for taking your life from where you are now to where you really want to be: Zero debt. You Need A Budget book. Read 42 reviews from the world's largest community for readers. Discover four simple rules to help you stop living paycheck to pa.
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You Need a Budget book. Read reviews from the world's largest community for readers. A guide based on the tenets of the award-winning financial platf. 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. You Need A Budget by Jesse Mecham offers a very personalized way to budget that considers your aspirations and dreams, and offers a more.
Rule Two: Embrace Your True Expenses
If you think budgeting is rigid and suffocating, this book will change your perspective. If your family wants to get out of debt, break the paycheck-to-paycheck cycle, or be able to pay for a family vacation without credit cards, You Need A Budget can get you there!
The You Need A Budget application has an astounding following. YNAB users love their budgets and reach their goals because the application is built around a unique philosophy about budgeting.
YNAB is about actually breaking the paycheck-to-paycheck cycle, even when you feel broke, funding the things that really matter to you, and accepting that there is no such thing as a normal month.
This book gives Jesse a platform not to pitch his software, but to explain his philosophy in more depth. The second half tackles the issues families face with maintaining budgets over time. Things like working together with your spouse, getting out of debt, and powering through when you just want to quit. While quick reads, each chapter gives people another tool in their arsenal to real their money goals.
If you prefer learning through video, referencing that material may be a better fit for you. However, if you are looking for a book to teach you everything you need to know about budgeting — this is it.
Instead of wading through the YNAB website, Jesse puts it all in one, easy to read place with his new book! But as usual, I wanted to share some key takeaways that I particularly enjoyed!
Ten thousand dollars in credit card debt can feel paralyzing. But break it up into a few hundred dollars a month and suddenly the difference between you and your dream of being debt-free is just fewer dinners out, one less pair of shoes, or a revised strategy at the grocery store each month. A solid budget gives you the motivation to take a small step forward and celebrate the little victories! Nobody will be micromanaged or put on a leash. The point is to actually feel free and empowered.
One of the most important money conversations to have with your spouse is determining what your family goals are. If your partner balks when you mention a budget, they may worry that a budget will force dollars away from the things that matter to them.
It will also show in clear black-and-white the tradeoffs we make for our smaller pleasures. But if you are budgeting together to achieve a family trip to Disney, without going pulling out the credit cards, he may reconsider on his own. The hunting trip will no longer feel like a minor expense if it means pushing your family vacation back over two months.
You throw everything you have at debt, only to have the roof start leaking or your car blow a tire. Apparently someone at YNAB was reading my mind, because before I bought my copy, they contacted me and asked if I would accept a free copy in exchange for writing a review on my blog! Umm yes!
To be completely honest, I was pretty sure I would like the book before I even opened it. Plus, Jesse has always had a way of making budgeting, a potentially dull topic, fun and entertaining. Money is a tool, a resource we can use to help us get to the life we want. I know I do.
Using your priorities as the driving force behind all of your money decisions, you will learn how to use the money you actually have to help make the life you want.
Unlike other traditional budgeting advice that recommends specific percentages for various spending categories, Jesse is adamant about not telling you what to do with your money.
I know some of you have been using YNAB for years, many at my personal recommendation. Budgeting especially YNAB-style budgeting is my jam. This is the part dedicated to teaching the four rules of YNAB. Even so, I think the book is very worth while. Although I eagerly participated in all of the live online classes and consider myself steeped in the YNAB methodology, reading the book gave me practical new ideas and helped me develop some of my underlying financial philosophy.
The text is peppered with personal stories and experiences of people who have learned and embraced the YNAB philosophy. I love these, especially when their situations are very different from my own.
The book goes deeper into the priorities that drive your budgeting in the first place. It also includes a chapter about teaching your kids to budget. The software is mentioned peripherally, but Jesse is very clear that these principles can apply to a plain old spreadsheet or even a pencil and paper budget.
Just find a copy, read it with an open mind, and feel your paradigm shifting. This budgeting methodology will revolutionize your relationship with money. You get to decide what you want your money to do for you.
The Four Rules
The key here is that you only assign jobs to the dollars you already have. That sounds intuitive, but it is a huge shift from traditional budgeting. This simple change in how you think about and manage your money makes all the difference!
By budgeting money to these categories a bit at a time, you can avoid the budget-breaking shock of a big bill all at once. A flexible budget is a budget success, not a failure.
You Need A Budget By Jesse Mecham Book Review
When your priorities change, so should your budget. If the new expense really is a better way to realize your priorities than the prior planned use of that money, you can and should reassign the money to do what you want it to do now. The longer you hold onto your money, the better. The goal here is to increase the time between when money is earned and when that same money is spent.
You Need A Budget
When is it aged enough? If so, go for it. The alternative is falling deeper into credit card debt and that is never a good idea.
I really think this chapter should be required reading for every couple because so many arguments and unneeded stress could be avoided by following its advice.
Mecham suggests meeting with your significant other and choosing priorities Yours, Mine, and Ours together. For example, my main goal right now is paying down debt to free up cash flow.
And family time is vital to both of us so an annual family vacation is a must. Just like that I listed our top priorities.Rule Three is also about being completely honest with yourself about what's truly important. Quitting budgeting isn't on my radar and this section brought new life into the budget and helped me ground myself again. Whether you're looking to right an apparently sinking ship, or you just want to implement a system that will require less time "managing" your money, YNAB will most definitely work for you.
There's enough information to understand the point, but I still wanted more, you know? My situation never involves giving up a daily cup of Starb I've read some of the Suzie Orman books and liked them and at times, I've actually paid off credit card debts after reading her for inspiration.
I am a firm believer that no matter what your financial situation may be, YNAB's four rules will give you fantastic, easy-to-maintain oversight of your finances.
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