You Need A Budget

You Need A Budget

The Proven System for Breaking the Paycheck-to-paycheck Cycle, Getting Out of Debt, and Living the Life You Want

Book - 2017 | First edition.
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Wall Street Journal Bestseller

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: New York, NY :, Harper Business,, [2017]
Edition: First edition.
Copyright Date: ©2017
ISBN: 9780062567581
Characteristics: 207 pages : illustrations


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Apr 20, 2018

You Need a Budget is life-changing! The philosophy has really opened my eyes and made me aware of spending habits.

Apr 13, 2018

One of the best financial books on budgeting I have ever read. I understand how each of the four rules applies to every aspect of our lives. It also explains that we shouldn't be upset if we make a mistake on our budget and that in every situation that arises it is a unique learning experience in making changes to making adjustments in financial aspects of our lives.

Fantastic book that really makes you feel about how you spend your money, and what you want your money to do for you. No investing or scams involved, just straight common sense. I also like that it's not very preachy, and while there are anecdotes, they are very pertinent to the topic at hand and do not distract readers. The author covers all aspects of budgeting, including in a relationship and for children. Everyone can benefit from good budgeting.

Feb 23, 2018

A good summary (and fast read) of YNAB's four rules with additional chapters on budgeting as a couple, teaching your kids about money, dealing with debt, and a few other things. The tone is easy-going, assuming the reader is an adult who can make their own decisions, and there are lots of anecdotes from real people's lives. It's great at breaking down the anxiety for people who are starting out budgeting. While it does address some problems you can encounter later, it would have been nice to see more detailed advice on some of those things (e.g. avoiding perfectionism, resolving conflicts as a couple, dealing with decision fatigue). The book is a solid pep talk about budgeting that lays out good general principles; it is not a detailed manual to use as an ongoing reference.

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