His system is psychologically and financially sound.You’re going to love this book.” -VICKI ROBIN, coauthor of Your Money or Your Life His principles and tools come right out of his own life experience, but also from his CPA training. He nderstands how financial stress feels.
When Jesse Mecham says it, it’s like a door swinging open to a free life. “When your financial planner sternly says you need a budget,it’s like a door slamming shut on a happy future. “A handy guide for readers looking to increase their financial literacy and manage their money carefully and successfully.” -Booklist Mecham makes it seem simple and his tone is encouraging.” -Publishers Weekly Cheat-sheet reminders at the close of every chapter are especially helpful. “ 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. You will learn that the true secret of using a budget is to get more out of life, not to feel restricted.” -ERIN LOWRY, author of Broke Millennial “Jesse Mecham finally gives budgeting a much-needed rebranding with You Need a Budget. Jesse Mecham’s simple rules make it easy to get what you want most by forgoing things you won’t miss.” -JOSH KAUFMAN, bestselling author of The Personal MBA and The First 20 Hours Managing your money doesn’t have to be stressful. Read this book, follow his advice, then watch your bank account grow and your financial worries fade. “Jesse Mecham has achieved the impossible: a book on budgeting that is fascinating, entertaining, and practical. Don’t waste another month counting down the minutes until payday.
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.
When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. 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. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable.
By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job. Break up larger, less frequent expenses into smaller, more manageable amounts. Be intentional about what you want your money to do before you spend it. 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: 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. No one should tell you what to do with your money-only you know what’s most important to you.
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.” (Dec.)Ĭorrection: An earlier version of this review incorrectly identified the book's author as a software developer.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. One of the keys to success, Mecham points out, is flexibility. 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. 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. Acknowledging how stressful the question “Can I afford this?” can be, Mecham explains that’s precisely why he wrote this helpful book and invented his four-rule system for budgeting.