Get Your Free Audiobook

You Need a Budget

The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
Narrated by: Jesse Mecham
Length: 4 hrs and 54 mins
4.5 out of 5 stars (41 ratings)

Non-member price: $28.59

After 30 days, Audible is $16.45/mo. Cancel anytime.

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

Overall

  • 4.5 out of 5 stars
  • 5 Stars
    26
  • 4 Stars
    14
  • 3 Stars
    1
  • 2 Stars
    0
  • 1 Stars
    0

Performance

  • 4.5 out of 5 stars
  • 5 Stars
    23
  • 4 Stars
    8
  • 3 Stars
    2
  • 2 Stars
    0
  • 1 Stars
    0

Story

  • 4.5 out of 5 stars
  • 5 Stars
    24
  • 4 Stars
    8
  • 3 Stars
    2
  • 2 Stars
    0
  • 1 Stars
    0

Reviews - Please select the tabs below to change the source of reviews.

Sort by:
Filter by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Proper Review... Please read

Easy to follow and by no means a "this is what you have to do" book.. purely based on recommendations and examples of how thjngs can work better, things that catch you by suprise in life, and over all explaining financial freedom. Definately a great book for in particular you struggle with credit debt and live paycheck to paycheck, or just need a bit of SELF discipline in your finances... this book gives you the opportunity to make up YOUR OWN MIND about how to sort your finances. Listened to it 4 times in a row and it's given me a perspective for a lot more value toward my dollars. Highly recommend

2 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Best Budgeting book

So glad I came across this book. I have never budgeted before and this book has made budgeting so easy that I’m actually enjoying do so. Should have done this ages ago. I love using the app on my computer and my phone. I mainly budget each pay on my computer but then use my phone to enter transactions on the go and the two sync up automatically! So Easy !!

  • Overall
    4 out of 5 stars
  • Performance
    4 out of 5 stars
  • Story
    4 out of 5 stars

Definitely worth a read

Better than a few personal finance books I’ve read lately. I liked a few of his concepts that I think I will actually utilize. He was very easy to listen to as well.

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Brilliant advice delivered very simply

a great book I wish that I had read in my youth. He simply lays out rules for a budget that are clear concise and easy for a budget rookie to follow. Read by the author too and he did a great job of it.

  • Overall
    5 out of 5 stars
  • Performance
    4 out of 5 stars
  • Story
    4 out of 5 stars

Great book and philosophy

Great lessons, book, philosophy however a little dry at times when listening. We are already YNAB fans so this just reaffirmed where we are heading

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Amazing

loved it's easy language and practical application. I can't wait to budget. life-changing reframes budgeting

Sort by:
Filter by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for jennidormer@yahoo.co.uk
  • jennidormer@yahoo.co.uk
  • 01-01-2018

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!

8 people found this helpful

  • Overall
    3 out of 5 stars
  • Performance
    3 out of 5 stars
  • Story
    3 out of 5 stars
Profile Image for Amir Hussain
  • Amir Hussain
  • 01-01-2018

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 .

5 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Kindle Customer
  • Kindle Customer
  • 14-09-2018

Great book!

This book will change your life and your finances. YNAB is an amazing budgeting system but it's also so much more. You won't regret buying it!

2 people found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Kelly
  • Kelly
  • 28-05-2019

Fantastic

This audible book is great. I have learnt a lot and actually using the app. Can’t recommend enough.

1 person found this helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Amazon Customer
  • Amazon Customer
  • 15-07-2018

I love the simplicity of this method <br />

I have been listening and watching Jesse on YouTube (whiteboard Wednesdays) and recently the podcasts I did the free trial a couple of years ago and I was sold but when it came time to buy it I didn't press the trigger not until a year later (last October) I live in the UK and I think it is fantastic and you would think that after listening and watching all his other free resources there would be nothing else to learn/gain from the audio book but you would be wrong. I am going to get the book version of this as soon as it is available in the UK for my 15 year old. I am a total budget convert and a YNABer. Thank you Jesse for the tools to get back in control of my money. Keep up the good work.

1 person found this helpful

  • Overall
    4 out of 5 stars
  • Performance
    4 out of 5 stars
  • Story
    4 out of 5 stars
Profile Image for Phin
  • Phin
  • 02-02-2020

an easy listen during chores

nothing major was revealed really - one or two good tips... apparently there is a PDF that goes with the book but it's not explained were to get it from - maybe I just missed it...

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
Profile Image for Ian Innocent
  • Ian Innocent
  • 15-03-2019

practically phenomenal

A great eye opener that remains relevant by staying realistic and crushing the utopian standards often carried when trying to budget.

A much needed breath of fresh air

  • Overall
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Story
    1 out of 5 stars
Profile Image for Kimster
  • Kimster
  • 30-10-2018

No PDF available, just the audiobook.

This audiobook contains valuable advice as to budgeting etc. But it is a big disappointment that there is no available PDF book. What you get is just a four pages with simple illustrations. I know that the author has written a full version of the audiobook and I wrongly assumed that this would be available. Completely lost my taste for YNAB.

1 person found this helpful