Free PDF You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
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You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
Free PDF You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
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Audible Audiobook
Listening Length: 4 hours and 54 minutes
Program Type: Audiobook
Version: Unabridged
Publisher: HarperAudio
Audible.com Release Date: December 26, 2017
Whispersync for Voice: Ready
Language: English, English
ASIN: B0773WMGR1
Amazon Best Sellers Rank:
This book is about the YNAB system of budgeting, rather than the YNAB budgeting application. You could implement everything in this book with a spreadsheet or pencil and paper if you like.Whenever I used the YNAB application, I always felt that it was "budgeting lite." No complex forecasts, no detailed reports and (until recently) no automatic feeds pulled down from the bank. It also always seemed to be fighting me... that I could never get it to do what I wanted.I decided to dump YNAB. I already had years of experience with Quicken. I decided to try Mint and Personal Capital. Those applications had many of the features missing from YNAB. However, after switching to each of them, I felt lost. There was freedom to set things up however I wanted, but that didn't add up to better information or tangible goals.I could now tell you, to the penny, how much I spent on coffee two months ago... I could tell you how much I planned to spend on coffee six months from now. So what? How does any of that help me now? Somehow having all these new features and freedom resulted in less actionable information, and less peace of mind, than I had with YNAB.I eventually figured out that YNAB is not lite on features. It is opinionated.YNAB believes that there is a correct way to budget, and the application enforces those opinions with ruthless efficiency. It only makes you collect the information it believes to be useful, and it only presents information that helps you now. If you try to go outside its process, it will make your life difficult.That is not to say that it tells you where to spend your money. Precisely the opposite. Go ahead and budget $1000/month for iced lattes if you want. YNAB doesn't judge. But it does insist that you have the money.This book is about the YNAB opinions which are baked into the software. I have come to view those opinions as wisdom. Rather than saying "here's a bunch of features, do with them what you want", YNAB says "here is a proven process that has worked for thousands of people, follow it."This book is about explaining that process, why it is the way it is, and why it leads to better decisions and progress towards achieving goals. I already knew the basics from videos and podcasts, but this book does a great job of putting all of the information in one place and presenting it in a systematic manner. Now that some of the gaps in my understanding have been filled in, I'm sold on the process. I already learned via trial and error that I like what YNAB does. This book filled in the gaps of why it works.Highly recommended!
I see a number of reviews here by people who received the book for free. I guess that makes sense, so that it could have reviews less than 9 hours after publication.I bought my book. With my own (budgeted) money. I've been following the YNAB for a number of years now, and can attest via personal experience how well this system works. It saw me through debt payoff that I never believed I would dig myself out from under, a year of unemployment with minimal worry, and now it's leading me by the hand toward my debt-free retirement.One of the scariest things I ever did was add up all the money I owed to see just exactly how deeply in debt I was. Wow. I actually had a negative net worth -- a big one. But this system gave me a clear, time-limited, well-lighted path to being debt-free. It gave me peace through hard times, and it kept me on track when things got better.I can wax evangelical till the cows come home about this system. I am living proof that, whatever your goal, it will get you there. Whatever deep hole you are in, it can lead you out. All I can say is, give it a try. It will change your life.
I was disappointed in the book. All of Jesse examples are from millennials who are making a ton of money that with a little redirection are out of debt. He does not touch on people making $11.50 hr and struggling just to covers the basics nor empty nesters that finally have a little extra money. Most of the examples you can read in his email news letters. I am a firm believer in YNAB but the book does not offer any thing fresh. If you read his news letter emails then you don’t need the book. I gave it 3 stars because it’s an easy read and the principles are sound.
I am still reading this but we have been using the YNAB program for several years now. I don't think we will ever NOT use it. My husband and I were always "responsible spenders" in our opinion, but never seemed to get ahead. Within ONE year of using YNAB, we were able to save up enough money for a downpayment on our New Construction house, pay off debts and have stress free holidays and birthdays. Life Changer
In the interest of transparency, I bought this book out of a desire to help me use the YNAB online software and take my budgeting to the next level. Unfortunately, this book misses the mark entirely as both a practical guide to budgeting or to assist with implementing the software. Now, to be fair, the book barely mentions the YNAB software and the author does not try to sell it as a solution, but unfortunately the book also fails to provide a practical set of instructions on how to implement the YNAB approach to budgeting - despite the author claiming this could be done with a spreadsheet. Every chapter is filled with anecdotes about why you should budget and the general principles behind the “Four Rulesâ€, but there is very little in the way of practical exercises or prompts to help a person begin the process of understanding their financial picture and gathering all the info necessary to start and maintain a budget. The only chapter that I thought was valuable and different from other books was that involving how to structure the financial budgeting discussion with significant others.
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