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Publisher's Summary

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 Publishers

What members say

Average Customer Ratings

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Worth the preorder

As a long time fan of the method I purchased a copy on audible, kindle, and two hardcover to give away. It was well worth the read as Jesse continues to effectively extol the flexibility and possibility of the four rules to budgeting. My wife and I enjoyed listening to this on a trip and especially appreciated that it is read by the author who is a fairly well spoken narrator. I strongly recommend this to both long time fans and newbies alike. It gave us new inspiration and even explained an excellent alternative to the traditional emergency fund which my wife and found especially useful.

14 of 14 people found this review helpful

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Beginning Budgeter

Great book and concept. I’ve never budgeted before, but have now started. Amazing how you can quickly change your priorities once you see where you money is currently going and where you want it to go

10 of 10 people found this review helpful

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Awesome advice delivered in a great package

Simple steps to achieve your financial goals in an easy to follow format - just perfect!

3 of 3 people found this review helpful

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Best book about how to tackel your finances

Such a great book about your finances with motivating storey and proven rules.

Its done in such a non scary way too.

Made me so motivated

2 of 2 people found this review helpful

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LOVE YNAB!

What did you learn from You Need a Budget that you would use in your daily life?

I've used YNAB for many years now, but I am _still_ learning new things from this book. I would recommend it to anyone, new to YNAB or an old pro!

2 of 2 people found this review helpful

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You need to read this if your broke all the time

Would you listen to You Need a Budget again? Why?

This book is GREAT! It gives you all the tools needed to get out of debt. The YNAB program is great also

1 of 1 people found this review helpful

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Loved this book.

Lots of the information I already knew. However, this is a different viewpoint. Wonderful and doable.

1 of 1 people found this review helpful

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We ALL Need A Budget!!

This is a great way to look at spending our money. It not only teaches you (& spouse) how to budget... but how to teach your children! Invaluable!!!

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This book is awesome!

If your parents never taught you how to budget your money and/or you are living paycheck to paycheck, you need to read this book. Jesse explains how to set up a budget & what it really means to budget; it's not what you think.

This book should be core curriculum in every school to teach children & young adults how to handle finances, debt, and plan for future expenses and retirement.

I am sharing this book with all my kids and grandkids.

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Wish his reading of the word "a" was more natural

Where does You Need a Budget rank among all the audiobooks you’ve listened to so far?

i've learned something, so i'll give it "ay" 7.

If you’ve listened to books by Jesse Mecham before, how does this one compare?

only one

How did the narrator detract from the book?

always pronouncing a (ay?) long "ay" for regular-old "uh"- so annoying.

Was this a book you wanted to listen to all in one sitting?

yes, and more than once

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  • jennidormer@yahoo.co.uk
  • 01-01-18

Great budgeting book

This is a superb book. Whether you are looking for a starter book to help you manage your money or whether you are a seasoned budgeter this book will help, inspire and guide you. The best thing about Jesse is he is non-judgemental and down to earth. He knows that everyone if different so he doesn’t give you didactic rules but more principles you can adapt to your unique situation. I would thoroughly recommend. I wish this book had been written (and I had read it!) 10 years ago. Goodness knows what my bank balance would look like now if I had!

1 of 1 people found this review helpful

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  • Amir Hussain
  • 01-01-18

Good book and helpful.

It's a good guide and has some general information which is particularly helpful and will change the lives of people that really struggle with budgeting .