You Need A Budget

You Need A Budget

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

Book - 2017
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A guide based on the tenets of the "You Need a Budget" financial platform argues that a well-planned budget can help to prioritize financial goals, reduce stress through strategic cash flow allocations, and meet the challenges of unplanned expenses.
Publisher: New York, NY : HarperBusiness, an imprint of HarperCollinsPublishers, [2017]
Edition: First edition.
Copyright Date: ©2017
ISBN: 9780062567581
Branch Call Number: 332.024 Mec
Characteristics: 207 pages : illustrations ; 22 cm


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Non-fiction Spotlight: You Need a Budget

YNAB You Need a Budget It's late March, and Tax Season is winding down. This year, I am highlighting one of my favorite pieces of financial literature: You Need A Budget. Have you read this book? You Need A Budget originated as a personal-finance software program developed by Jesse Mecham. His program, which is currently available commercially for smartphones, is mainly budgeting software… (more)

Financial Literature: Some Starting Points

Finances can be a scary topic to contemplate any time of year. During Tax Season, finances may become an even hairier topic with the burden of April's deadlines quickly approaching. How can you overcome these life hurdles? What can you do to improve your own fortune in the months and years to come? The St. Tammany Parish Library has a large collection of books on finance including works by… (more)

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Apr 28, 2020

This is an amazing book! Jesse gently guides you through budgeting with four rules without militantly telling you exactly what to do. It's a loose guide that lets you choose your own priorities. I also highly recommend the YNAB blog and YNAB podcast which are free resources.

Rule 2: Embrace Your True Expenses. Another term for this is sinking funds. They will change your life. Instead of stressing about your (surprise!) car insurance premium being due every 6 months, you save for it every month so the money is sitting there waiting to be spent on the bill.

Apr 07, 2020

This book literally changed my life. I cannot overstate how amazing this book is! If you are worried about the book pushing a product on you, fear not; while there IS a service you can subscribe to, every time the author mentions the service, he also reminds you that you do not have to subscribe as there are countless other ways to use the methods outlined in the book. I'm a fan of Excel myself but your mileage may vary.

Apr 20, 2018

You Need a Budget is life-changing! The philosophy has really opened my eyes and made me aware of spending habits.

Apr 13, 2018

One of the best financial books on budgeting I have ever read. I understand how each of the four rules applies to every aspect of our lives. It also explains that we shouldn't be upset if we make a mistake on our budget and that in every situation that arises it is a unique learning experience in making changes to making adjustments in financial aspects of our lives.

Fantastic book that really makes you feel about how you spend your money, and what you want your money to do for you. No investing or scams involved, just straight common sense. I also like that it's not very preachy, and while there are anecdotes, they are very pertinent to the topic at hand and do not distract readers. The author covers all aspects of budgeting, including in a relationship and for children. Everyone can benefit from good budgeting.

Feb 23, 2018

A good summary (and fast read) of YNAB's four rules with additional chapters on budgeting as a couple, teaching your kids about money, dealing with debt, and a few other things. The tone is easy-going, assuming the reader is an adult who can make their own decisions, and there are lots of anecdotes from real people's lives. It's great at breaking down the anxiety for people who are starting out budgeting. While it does address some problems you can encounter later, it would have been nice to see more detailed advice on some of those things (e.g. avoiding perfectionism, resolving conflicts as a couple, dealing with decision fatigue). The book is a solid pep talk about budgeting that lays out good general principles; it is not a detailed manual to use as an ongoing reference.


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