You Need a Budget

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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

You Need a Budget is the ultimate guide to completely revolutionize the way you manage your money. It provides an enabling, liberating, and empowering budget that will actually make you feel more free, rather restricted. It introduces the YNAB philosophy, an idea containing four rules that serve as the pillars of a time-tested system that gets you to engage with your money every single day. This book will help you change your practices so that you are more proactive and in control of your finances. No more 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.

“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.”

Vicki Robin, coauthor of Your Money or Your Life

“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.”

— Peter Adeney, personal finance blogger at 

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.”

— Erin Lowry, author of Broke Millennial

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.”

— Josh Kaufman, bestselling author of The Personal MBA and The First 20 Hours

“A handy guide for readers looking to increase their financial literacy and manage their money carefully and successfully.”

— Booklist

“[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.”

— Publishers Weekly