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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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.
Publisher : Harper Business; Illustrated edition (December 26, 2017)
Language : English
Hardcover : 224 pages
ISBN-10 : 0062567586
ISBN-13 : 978-0062567581
Item Weight : 12 ounces
Dimensions : 5.5 x 0.81 x 8.25 inches
Customers say
Customers find the information in the book helpful and life-changing. They say it provides motivation to set budgeting goals and the best strategies. Readers describe the book as easy to read and understand, explaining in simple language. They also mention the software is easy to use.
AI-generated from the text of customer reviews
13 reviews for 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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G-Ezy –
Great advice on budgeting
Simple. Succinct. Life changing. Highly recommend for people looking to bring order to their financial lives. Able to implement the teachings of the book to my life instantly.
Krgibson –
Great book and well written
Loved reading this, learned a lot and written from a personal standpoint which made reading it fun as well as educational.
Yazmine –
Good read
I truly like how this author mention how budgets don’t have to be set and stone. I have been budgeting for sometime and life does happen and sometimes you may have to adjust your finances to fit your reality at the moment. The scariest thing is thinking you can’t do something or will not be able to make your goals cause you’ve create a concrete budget to stick too. Adjust as you best see fit, keep your goals in mind and give every dollar a job.
Kevin Raum –
practical advice and a model that works
Read this before or after your start using YNAB. But read it. It is practical and sets the foundation needed to do this well.
Phillip Ridlen –
Not Just a Thinly Veiled Advertisement or a User Manual
While I am a huge fan of the YNAB product, and have been using it actively for several years, I half expected this book to be a thinly veiled advertisement to purchase his tool and convert to a paying customer. Mecham only mentions YNAB in passing as part of the real life examples, and puts a link to it in the appendix.This is not a book about how to use YNAB. This is a book to convince you first that the budgeted life is a better life, and secondly that a budget is something YOU can do.Mechamâs Four Rules are presented in plain English using words that anyone can understand. These four rules really get to the heart of why You Need A Budget. Other financial advice will tell you what and how, YNAB is focused on the why (with a little bit of how).Even though I was already familiar with the Four Rules, reading this book gave me a renewed vision and helped me realize I was looking at my budget as a “what” but I needed to examine the “why”.
hanna_sawyer43 –
simply done
My income is a yo-yo so this was a great tool to use to try to nail down some overspending and budget wisely. Trying to be debt free doesnât look as bad as I thought! Two years and nine months to go!
KitKat –
Solid advice, poor examples
I picked up this book to prepare to begin using the YNAB software. After reading the book, I remain convinced that Jesse is on to something and plan to use the software. However, there are some major contradictions in the advice that Jesse gives and the real-life examples that he provides as proof of concept. First, most of Jesse’s subjects are two-income households. It seems easier to face down debt with two revenue streams. Another example that Jesse purports is a success story involved the experience of a woman who participates in MLM sales as a second job. MLM companies encourage women to view this sort of “side hustle” as a path to financial freedom but statistics show that the vast majority of MLM distributors and up in debt, the thing Jesse says he hates the most. Can’t afford independent living or pay for your wedding? Move in with family and mooch off of them to free up income to meet your savings goals and tackle debt! Surely, Mom and Dad won’t mind. Lastly, Jesse’s ideas about not saving for the college educations of any of his children are downright irresponsible parenting. Even technical and State colleges are expensive these days and not everyone has an aptitude that will lead to major scholarship dollars. What I came away with after finishing this book was solid budgeting advice and a bird’s eye view into the very narrow worldview of the author. Though I have no doubt in the principles of YNAB, it was disappointing to see example after unrealistic example of how to cut down on expenses and budget effectively..
Luis Ruben –
great read. rules awesome, a little redundant.
great read. rules awesome, a little redundant.Rules are solid, great adviseJust sometime sit felt like a little padding
SS –
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.
HECTOR ZERMENO –
Me encantó el enfoque hacÃa algo que muchas personas deberÃan 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.
Indian Customer –
Book is good and provide ample of examples on how to budget for everyone. Explained very well every category along with how to set it up. Not pusing you to subscribe for YNAB subscription. You can follow the instruction by creating an excel file as far as you are following the instruction. No bookmark received with the book.
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.
Manuela –
E’ un libro che tutti dovremmo leggere, investendo tempo per migliorare le nostre finanze personali. Mi è piaciuto molto.