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You Need a Budget
Cover of 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

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....

    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....

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    About the Author-
    • Jesse Mecham founded YNAB in 2004 to help him and his new wife, Julie, watch their money. Studying for his master of accountancy at Brigham Young University at the time, he put his numbers wizardry to work to develop a system to track their expenses, and that became YNAB. He lives in Utah with his family.

    Reviews-
    • Publisher's Weekly

      October 30, 2017
      Acknowledging how stressful the question “Can I afford this?” can be, Mecham, a software developer, explains that’s precisely why he wrote this helpful book and invented his four-rule system for budgeting. The primary question, Mecham says, is “What do I want my money to do for me?” To that end, the titular “YNAB” plan is comprised of the dictums “Give Every Dollar a Job,” “Embrace Your True Expenses,” “Roll with the Punches,” and “Age Your Money.” Mecham conveniently addresses readers of all ages (kids included) and family situations (single, childless couples, and couples with kids), taking care to include readers with variable incomes. Cheat-sheet reminders at the close of every chapter are especially helpful. Mecham includes illustrative stories from clients, providing an especially helpful example of one couple’s customized YNAB plan, including their spending before and after “budget detox,” and divides into four sections: bills, everyday spending, goals, and true expenses. One of the keys to success, Mecham points out, is flexibility. But the primary attitude adjustment described here is to stop asking, “Can I afford this?” and start asking, “Does this move me closer to my goals?” Mecham makes it seem simple and his tone is encouraging; even readers who’ve never budgeted before will believe Mecham when he tells them, “You’ve got this.”

    • Library Journal

      November 15, 2017

      Fans of "You Need a Budget" (or "YNABbers") will be happy that creator Mecham has authored a companion guide to expand on the doctrines of the popular online financial platform and app. The takeaways are Mecham's four simple rules for effective money management: giving every dollar a job, embracing your "true" expenses, rolling with the punches, and "aging" your money. Mecham rounds out the book with specific advice regarding relational budgeting, tackling debt, staying focused, and even includes a simplified adaptation of his rules for teaching youth to budget. Readers won't find excruciating worksheets, or heavy-handed shaming advice, just relational and realistic anecdotes and encouragement, as well as actionable ideas at the end of each chapter. Mecham doesn't promote shady money tricks. The debt-averse principals are similar to those in Dave Ramsey's perennial best seller, The Total Money Makeover. While the book might appeal to existing YNABbers, a subscription is not required to benefit from this book. VERDICT Readers seeking tips for financial resolutions will appreciate Mecham's fresh and proven approach to budgeting.--Jennifer Clifton, Indiana State Lib., Indianapolis

      Copyright 2017 Library Journal, LLC Used with permission.

    • Booklist

      December 1, 2017
      Mecham, founder of the popular personal-expense-tracking app YNAB (i.e., You Need a Budget), writes a series of advice and instructions for managing one's personal finances, from removing debt to teaching children about budgeting. Mecham shares his YNAB rules throughout and provides key takeaways for managing the present and planning for the future. There are plenty of current books on budgeting, but Mecham's work goes beyond an individual's concerns by discussing personal finances for couples and families. Readers can benefit from a quick or leisurely read-through but may require a second or third go to fully retain and recall Mecham's advice. The book can serve as a financial planning manual for those who are completely new to budgeting as well as for those who are seasoned and still need these helpful reminders. Mecham's book is a handy guide for readers looking to increase their financial literacy and manage their money carefully and successfully.(Reprinted with permission of Booklist, copyright 2017, American Library Association.)

    • VICKI ROBIN, coauthor of Your Money or Your Life "When your financial planner sternly says you need a budget,it's like a door slamming shut on a happy future. When Jesse Mecham says it, it's like a door swinging open to a free life. He nderstands how financial stress feels. His principles and tools come right out of his own life experience, but also from his CPA training. His system is psychologically and financially sound.You're going to love this book."
    • PETER ADENEY, personal finance blogger at MrMoneyMustache.com "In You Need a Budget, Jesse Mecham gets personal with you, because, as it turns out, 'budget' just means making sure you spend your money on your favorite priorities. If you're ready for a disarmingly casual yet deceptively persuasive ride into a new perspective that has changed hundreds of thousands of lives, read on."
    • ERIN LOWRY, author of Broke Millennial "Jesse Mecham finally gives budgeting a much-needed rebranding with You Need a Budget. You will learn that the true secret of using a budget is to get more out of life, not to feel restricted."
    • JOSH KAUFMAN, bestselling author of The Personal MBA and The First 20 Hours "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. Managing your money doesn't have to be stressful. Jesse Mecham's simple rules make it easy to get what you want most by forgoing things you won't miss."
    • Publishers Weekly "[You Need a Budget] conveniently addresses readers of all ages (kids included) and family situations (single, childless couples, and couples with kids), taking care to include readers with variable incomes. Cheat-sheet reminders at the close of every chapter are especially helpful. Mecham makes it seem simple and his tone is encouraging."
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    The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want
    Jesse Mecham
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