Jesse Mecham. (2017). You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want. Unabridged HarperAudio.

Jesse Mecham. 2017. You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want. HarperAudio.

Jesse Mecham, You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want. HarperAudio, 2017.

Jesse Mecham. You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want. Unabridged HarperAudio, 2017.

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     Jesse Mecham founded YNAB in 2004 to help him and his new wife, Julie, watch their money. Studying for his master of accountancy at Brigham Young University at the time, he put his numbers wizardry to work to develop a system to track their expenses, and that became YNAB. He lives in Utah with his family.

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     Jesse Mecham founded YNAB in 2004 to help him and his new wife, Julie, watch their money. Studying for his master of accountancy at Brigham Young University at the time, he put his numbers wizardry to work to develop a system to track their expenses, and that became YNAB. He lives in Utah with his family.

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title

You Need a Budget

fullDescription

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 rather 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.

Supplemental enhancement PDF accompanies the audiobook.

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1. • premium: True
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   • content:

     October 30, 2017
     Acknowledging how stressful the question “Can I afford this?” can be, Mecham, a software developer, explains that’s precisely why he wrote this helpful book and invented his four-rule system for budgeting. The primary question, Mecham says, is “What do I want my money to do for me?” To that end, the titular “YNAB” plan is comprised of the dictums “Give Every Dollar a Job,” “Embrace Your True Expenses,” “Roll with the Punches,” and “Age Your Money.” Mecham conveniently addresses readers of all ages (kids included) and family situations (single, childless couples, and couples with kids), taking care to include readers with variable incomes. Cheat-sheet reminders at the close of every chapter are especially helpful. Mecham includes illustrative stories from clients, providing an especially helpful example of one couple’s customized YNAB plan, including their spending before and after “budget detox,” and divides into four sections: bills, everyday spending, goals, and true expenses. One of the keys to success, Mecham points out, is flexibility. But the primary attitude adjustment described here is to stop asking, “Can I afford this?” and start asking, “Does this move me closer to my goals?” Mecham makes it seem simple and his tone is encouraging; even readers who’ve never budgeted before will believe Mecham when he tells them, “You’ve got this.”

2. • premium: True
   • source:
   • content:

     November 15, 2017
     

     Fans of "You Need a Budget" (or "YNABbers") will be happy that creator Mecham has authored a companion guide to expand on the doctrines of the popular online financial platform and app. The takeaways are Mecham's four simple rules for effective money management: giving every dollar a job, embracing your "true" expenses, rolling with the punches, and "aging" your money. Mecham rounds out the book with specific advice regarding relational budgeting, tackling debt, staying focused, and even includes a simplified adaptation of his rules for teaching youth to budget. Readers won't find excruciating worksheets, or heavy-handed shaming advice, just relational and realistic anecdotes and encouragement, as well as actionable ideas at the end of each chapter. Mecham doesn't promote shady money tricks. The debt-averse principals are similar to those in Dave Ramsey's perennial best seller, The Total Money Makeover. While the book might appeal to existing YNABbers, a subscription is not required to benefit from this book. VERDICT Readers seeking tips for financial resolutions will appreciate Mecham's fresh and proven approach to budgeting.--Jennifer Clifton, Indiana State Lib., Indianapolis

     Copyright 2017 Library Journal, LLC Used with permission.

3. • premium: True
   • source:
   • content:

     December 1, 2017
     Mecham, founder of the popular personal-expense-tracking app YNAB (i.e., You Need a Budget), writes a series of advice and instructions for managing one's personal finances, from removing debt to teaching children about budgeting. Mecham shares his YNAB rules throughout and provides key takeaways for managing the present and planning for the future. There are plenty of current books on budgeting, but Mecham's work goes beyond an individual's concerns by discussing personal finances for couples and families. Readers can benefit from a quick or leisurely read-through but may require a second or third go to fully retain and recall Mecham's advice. The book can serve as a financial planning manual for those who are completely new to budgeting as well as for those who are seasoned and still need these helpful reminders. Mecham's book is a handy guide for readers looking to increase their financial literacy and manage their money carefully and successfully.(Reprinted with permission of Booklist, copyright 2017, American Library Association.)

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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...

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