You Need a Budget

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

By: Jesse Mecham

Narrated by: Jesse Mecham

Wall Street Journal Bestseller

“Jesse Mecham has achieved the impossible: a book on budgeting that is fascinating, entertaining, and practical. Read this book, follow his advice, then watch your bank account grow and your financial worries fade.” —Josh Kaufman, bestselling author of The Personal MBA and The First 20 Hours

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.

Supplemental enhancement PDF accompanies the audiobook.

Best budget system ever

I have used every budget app followed all the Budget advice from those who seemed to know about money and never could get MY MONEY to do what I wanted it to do. Until I came across YNAB now I had it seen before and just shrugged it off as just another system. Fast forward some years and three kids later I found myself drowning in debt living paycheck to paycheck (barely) and just looking for a miracle from God. So I started doing my research watching different YouTube video reviews and again YNAB came up. So I said what can I lose I checked it out and haven’t looked back since. I’m no where near where I wanna be and to be honest was ready to quit but after reading this book it gave me such a better insight on the overall philosophy I am actually excited about budgeting now and don’t look at it as a chore. I’m such a competitive person so this allows me to see how far will go to hit my financial goals. This system has blessed me in a way far beyond budgeting just my overall thought on finances and quality of life will be forever changed. I plan on buying the actual book to keep as a reference.

Seems like a good plan.

The book was inspirational. I look forward to putting this to action. The website is pretty critical to making this work, it seems.

Great System

This is a great budgeting system, and a good intro to the YNAB software. If you use the software, you should read this book. If you don't use the software, but want to be a better at budgeting, you should read this book.

Great book for anyone instersted in budgeting philosophy.

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AWESOME LISTEN!

This book should be in everyone's library! Jesse has developed a superb budget program that's not only easy to follow but fun to do. He also explains how to get your kids onboard which is amazing in itself. I highly recommend this book.

Very Engaging!

This book was great to listen too. It provided great advice. Great advice that is easy to follow without getting overwhelmed about your debt.