You Need a Budget : : the Proven System for Breaking the Paycheck-To-Paycheck Cycle, Getting out of Debt, and Living the Life you Want

Locations
Call Number: 332.024 Me, Adult Book / Nonfiction / Business & Economics / Personal Finance / Mecham, Jesse
On Shelf At: Downtown Library, Traverwood Branch

Location & Checkout Length	Call Number	Checkout Length	Item Status
Downtown 2nd Floor 4-week checkout	332.024 Me	4-week checkout	On Shelf
Traverwood Adult Books 4-week checkout	Adult Book / Nonfiction / Business & Economics / Personal Finance / Mecham, Jesse	4-week checkout	On Shelf
Malletts Adult Books 4-week checkout	Adult Book / Nonfiction / Business & Economics / Personal Finance / Mecham, Jesse	4-week checkout	Due 04-23-2024
Pittsfield Adult Books 4-week checkout	Adult Book / Nonfiction / Business & Economics / Personal Finance / Mecham, Jesse	4-week checkout	Due 05-19-2024
Westgate Adult Books 4-week checkout	Adult Book / Nonfiction / Business & Economics / Personal Finance / Mecham, Jesse	4-week checkout	Due 04-29-2024

A new way to look at your money -- Rule one. Giver every dollar a job -- Rule two. Embrace your true expenses -- Rule three. Roll with the punches -- Rule four. Age your money -- Budgeting as a couple -- Slaying debt, whatever your situation -- Teaching your kids to budget -- When you feel like quitting -- You've got this.
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.
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. -- ‡c From publisher’s description.

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COMMUNITY REVIEWS

Simple enough submitted by terpsichore17 on July 28, 2021, 11:23am I don't think I'm quite the target audience insofar as I don't have debt to contend with, but the necessity of determining priorities, setting goals, and checking progress remains applicable.

4 rules, just to recap for my own benefit:
1. Give every dollar a job;
2. Embrace your *~true~* expenses;
3. Roll with the punches; and
4. Age your money.

The concept of "true expenses" (those we can anticipate, those whose amounts remain consistent, and those that are inevitable if not yet fixed in time) is a useful inclusion to the system.

"Age your money" doesn't quite get into investment like I'd expected.

I'm not necessarily inspired by the breathless tales of how this or that couple/family attacked their debt and saved ambitiously; "Person X went from a 45k job to a 65k job to a 90k job" packs a LOT of luck/privilege/applications into a very small space.

The sections on budgeting as a couple and teaching children to budget struck me as sound, if unnecessary for my current purposes.