
You Need a Budget
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
Échec de l'ajout au panier.
Échec de l'ajout à la liste d'envies.
Échec de la suppression de la liste d’envies.
Échec du suivi du balado
Ne plus suivre le balado a échoué
3 mois gratuits
Acheter pour 20,97 $
Aucun mode de paiement valide enregistré.
Nous sommes désolés. Nous ne pouvons vendre ce titre avec ce mode de paiement
-
Narrateur(s):
-
Jesse Mecham
-
Auteur(s):
-
Jesse Mecham
À propos de cet audio
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 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.
PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio.
©2017 YNAB Licensing LLC (P)2017 HarperCollins PublishersCe que les auditeurs disent de You Need a Budget
Moyenne des évaluations de clientsÉvaluations – Cliquez sur les onglets pour changer la source des évaluations.
-
Au global
-
Performance
-
Histoire
- Filippo Bonadonna
- 2024-10-17
All aboard
All aboard on the YNAB train!!!! This is the only budget tool I've been able to stick with. If you apply it as it should, you will eventually see your checking account grow and other areas too like investing. This audiobook simply gives you a good explanation on how to budget with the YNAB program. Useful if there are some elements you don't understand.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
-
Au global
-
Performance
-
Histoire
- Misty Hola
- 2023-05-13
Give every dollar a purpose - zero based budgeting.
I started the book because I have no debt but constantly wonder where did my money go. My bills are always paid, overall I’m handling my finances well, but I struggle with the spending. Throughout the book I was wondering when is he going to talk about envelopes or the practical how-to of implementing the concept. Turns out it’s all done in your chequing account and with a spreadsheet. I was a little worried at first because I feel like money in the bank IS the problem. With a couple examples I realized, understanding the concept and changing your behaviour accordingly is key. I don’t want envelopes of money all over, I want a lot of money in the bank that has a purpose. If it has a purpose I won’t spend it so willy-nilly. So overall excellent book and concept for getting people started for the first time or back on track for the 100th time.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global
-
Performance
-
Histoire
- M. B. O.
- 2022-10-16
More like a therapy on budgeting & consumer spending
At first, I questioned why this book isn’t free, as it would be an awesome advertising for the app. Then, as I listened to the author, I realized that this was precisely what I was looking for — an informative piece on how to have a healthier perspective on spending $ budgeting.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global
-
Performance
-
Histoire
- Caitlen Coates
- 2018-12-07
Amazing!
I started using the budgeting software and it really is way better then anything else I have used in the past. working towards financial freedom! Thank you.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
2 les gens ont trouvé cela utile
-
Au global
-
Performance
-
Histoire
- Renee Bonas
- 2019-04-15
Bad
I want my money back , struggle to finish it. don't buy this book. waste of time
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global
-
Performance
-
Histoire
- Ae
- 2018-01-04
just stories and the 4 rules
after the intro chapter, only 3 chapters are original. others are just the four rules.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
5 les gens ont trouvé cela utile