You Need a Budget
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
Échec de l'ajout au panier.
Échec de l'ajout à la liste d'envies.
Échec de la suppression de la liste d’envies.
Échec du suivi du balado
Ne plus suivre le balado a échoué
You Need a Budget
Acheter pour 20,97 $
Aucun mode de paiement valide enregistré.
Nous sommes désolés. Nous ne pouvons vendre ce titre avec ce mode de paiement
-
Narrateur(s):
-
Jesse Mecham
-
Auteur(s):
-
Jesse Mecham
À propos de cet audio
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 PublishersVous pourriez aussi aimer...
-
Failing Forward
- Turning Mistakes into Stepping Stones for Success
- Auteur(s): John C. Maxwell
- Narrateur(s): Henry O. Arnold, John C. Maxwell
- Durée: 6 h et 5 min
- Version intégrale
-
Au global4.5 out of 5 stars 38
-
Performance5 out of 5 stars 32
-
Histoire5 out of 5 stars 32
The major difference between achieving people and average people is their perception of and response to failure. John C. Maxwell takes a closer look at failure - and reveals that the secret of moving beyond failure is to use it as a lesson and a stepping-stone. He covers the top reasons people fail and shows how to master fear instead of being mastered by it. Listeners will discover that positive benefits can accompany negative experiences - if you have the right attitude.
-
4 out of 5 stars
-
Learn how to see failure as success
- Écrit par ruben le 2022-01-07
Auteur(s): John C. Maxwell
-
Limitless Mind
- Learn, Lead, and Live Without Barriers
- Auteur(s): Jo Boaler
- Narrateur(s): Jo Boaler
- Durée: 6 h et 22 min
- Version intégrale
-
Au global5 out of 5 stars 26
-
Performance4.5 out of 5 stars 22
-
Histoire4.5 out of 5 stars 23
In this revolutionary book, a professor of education at Stanford University and acclaimed math educator who has spent decades studying the impact of beliefs and bias on education, reveals the six keys to unlocking learning potential, based on the latest scientific findings.
-
5 out of 5 stars
-
Eye opening!
- Écrit par veronik.roger le 2023-01-30
Auteur(s): Jo Boaler
-
Man 2.0 Engineering the Alpha
- A Real World Guide to an Unreal Life: Build More Muscle. Burn More Fat. Have More Sex.
- Auteur(s): John Romaniello, Arnold Schwarzenegger - foreward, Adam Bornstein
- Narrateur(s): John Romaniello, Adam Bornstein
- Durée: 7 h
- Version intégrale
-
Au global4.5 out of 5 stars 33
-
Performance4.5 out of 5 stars 29
-
Histoire4.5 out of 5 stars 29
Are you a guy who's interested in building rock-hard muscle, erasing your belly fat, boosting your testosterone, and having more mind-blowing sex than you thought possible? If so, then
Man 2.0: Engineering the Alpha was written specifically for you.... In his new book, celebrity trainer and
Men's Health expert John 'Roman' Romaniello teams up with expert Adam Bornstein, former editor for both
-
5 out of 5 stars
-
where is pdf?
- Écrit par Jaxon le 2018-06-13
Auteur(s): John Romaniello, Autres
-
The Spender's Guide to Debt-Free Living
- How a Spending Fast Helped Me Get from Broke to Badass in Record Time
- Auteur(s): Anna Newell Jones
- Narrateur(s): Carly Robins
- Durée: 7 h et 34 min
- Version intégrale
-
Au global4.5 out of 5 stars 19
-
Performance4 out of 5 stars 17
-
Histoire4 out of 5 stars 17
Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt free. In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate spender, she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn't take action, but she didn't know where to look for help.
-
4 out of 5 stars
-
Very Motivating
- Écrit par christine colucci le 2023-06-14
Auteur(s): Anna Newell Jones
-
The Toyota Way to Lean Leadership
- Achieving and Sustaining Excellence Through Leadership Development
- Auteur(s): Jeffrey Liker, Gary L. Convis
- Narrateur(s): Jim Meskimen
- Durée: 10 h et 4 min
- Version intégrale
-
Au global4.5 out of 5 stars 45
-
Performance4.5 out of 5 stars 35
-
Histoire4.5 out of 5 stars 35
The missing link to long-term Lean success! Despite the fact that companies worldwide have adopted Lean production, none has sustained the same levels of excellence as Toyota. Why? Leadership. In The Toyota Way to Lean Leadership, Jeffrey Liker and Gary L. Convis, a former executive V.P. and managing officer of Toyota, help executives and senior managers get employees to refocus their efforts - from simply performing their singular function to continuously improving in collaboration across the organization.
-
3 out of 5 stars
-
Use of female
- Écrit par Calvin tai le 2021-02-25
Auteur(s): Jeffrey Liker, Autres
-
We Need to Talk
- How to Have Conversations That Matter
- Auteur(s): Celeste Headlee
- Narrateur(s): Celeste Headlee
- Durée: 5 h et 11 min
- Version intégrale
-
Au global4.5 out of 5 stars 41
-
Performance4.5 out of 5 stars 33
-
Histoire4.5 out of 5 stars 32
Today, most of us communicate from behind electronic screens, and studies show that Americans feel less connected and more divided than ever before. The blame for some of this disconnect can be attributed to our political landscape, but the erosion of our conversational skills as a society lies with us as individuals. And the only way forward, says Headlee, is to start talking to each other. In We Need to Talk, she outlines the strategies that have made her a better conversationalist - and offers simple tools that can improve anyone's communication.
-
5 out of 5 stars
-
Important read for our current times!
- Écrit par jessica_diana le 2018-02-11
Auteur(s): Celeste Headlee
-
Failing Forward
- Turning Mistakes into Stepping Stones for Success
- Auteur(s): John C. Maxwell
- Narrateur(s): Henry O. Arnold, John C. Maxwell
- Durée: 6 h et 5 min
- Version intégrale
-
Au global4.5 out of 5 stars 38
-
Performance5 out of 5 stars 32
-
Histoire5 out of 5 stars 32
The major difference between achieving people and average people is their perception of and response to failure. John C. Maxwell takes a closer look at failure - and reveals that the secret of moving beyond failure is to use it as a lesson and a stepping-stone. He covers the top reasons people fail and shows how to master fear instead of being mastered by it. Listeners will discover that positive benefits can accompany negative experiences - if you have the right attitude.
-
4 out of 5 stars
-
Learn how to see failure as success
- Écrit par ruben le 2022-01-07
Auteur(s): John C. Maxwell
-
Limitless Mind
- Learn, Lead, and Live Without Barriers
- Auteur(s): Jo Boaler
- Narrateur(s): Jo Boaler
- Durée: 6 h et 22 min
- Version intégrale
-
Au global5 out of 5 stars 26
-
Performance4.5 out of 5 stars 22
-
Histoire4.5 out of 5 stars 23
In this revolutionary book, a professor of education at Stanford University and acclaimed math educator who has spent decades studying the impact of beliefs and bias on education, reveals the six keys to unlocking learning potential, based on the latest scientific findings.
-
5 out of 5 stars
-
Eye opening!
- Écrit par veronik.roger le 2023-01-30
Auteur(s): Jo Boaler
-
Man 2.0 Engineering the Alpha
- A Real World Guide to an Unreal Life: Build More Muscle. Burn More Fat. Have More Sex.
- Auteur(s): John Romaniello, Arnold Schwarzenegger - foreward, Adam Bornstein
- Narrateur(s): John Romaniello, Adam Bornstein
- Durée: 7 h
- Version intégrale
-
Au global4.5 out of 5 stars 33
-
Performance4.5 out of 5 stars 29
-
Histoire4.5 out of 5 stars 29
Are you a guy who's interested in building rock-hard muscle, erasing your belly fat, boosting your testosterone, and having more mind-blowing sex than you thought possible? If so, then
Man 2.0: Engineering the Alpha was written specifically for you.... In his new book, celebrity trainer and
Men's Health expert John 'Roman' Romaniello teams up with expert Adam Bornstein, former editor for both
-
5 out of 5 stars
-
where is pdf?
- Écrit par Jaxon le 2018-06-13
Auteur(s): John Romaniello, Autres
-
The Spender's Guide to Debt-Free Living
- How a Spending Fast Helped Me Get from Broke to Badass in Record Time
- Auteur(s): Anna Newell Jones
- Narrateur(s): Carly Robins
- Durée: 7 h et 34 min
- Version intégrale
-
Au global4.5 out of 5 stars 19
-
Performance4 out of 5 stars 17
-
Histoire4 out of 5 stars 17
Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt free. In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate spender, she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn't take action, but she didn't know where to look for help.
-
4 out of 5 stars
-
Very Motivating
- Écrit par christine colucci le 2023-06-14
Auteur(s): Anna Newell Jones
-
The Toyota Way to Lean Leadership
- Achieving and Sustaining Excellence Through Leadership Development
- Auteur(s): Jeffrey Liker, Gary L. Convis
- Narrateur(s): Jim Meskimen
- Durée: 10 h et 4 min
- Version intégrale
-
Au global4.5 out of 5 stars 45
-
Performance4.5 out of 5 stars 35
-
Histoire4.5 out of 5 stars 35
The missing link to long-term Lean success! Despite the fact that companies worldwide have adopted Lean production, none has sustained the same levels of excellence as Toyota. Why? Leadership. In The Toyota Way to Lean Leadership, Jeffrey Liker and Gary L. Convis, a former executive V.P. and managing officer of Toyota, help executives and senior managers get employees to refocus their efforts - from simply performing their singular function to continuously improving in collaboration across the organization.
-
3 out of 5 stars
-
Use of female
- Écrit par Calvin tai le 2021-02-25
Auteur(s): Jeffrey Liker, Autres
-
We Need to Talk
- How to Have Conversations That Matter
- Auteur(s): Celeste Headlee
- Narrateur(s): Celeste Headlee
- Durée: 5 h et 11 min
- Version intégrale
-
Au global4.5 out of 5 stars 41
-
Performance4.5 out of 5 stars 33
-
Histoire4.5 out of 5 stars 32
Today, most of us communicate from behind electronic screens, and studies show that Americans feel less connected and more divided than ever before. The blame for some of this disconnect can be attributed to our political landscape, but the erosion of our conversational skills as a society lies with us as individuals. And the only way forward, says Headlee, is to start talking to each other. In We Need to Talk, she outlines the strategies that have made her a better conversationalist - and offers simple tools that can improve anyone's communication.
-
5 out of 5 stars
-
Important read for our current times!
- Écrit par jessica_diana le 2018-02-11
Auteur(s): Celeste Headlee
Ce que les auditeurs disent de You Need a Budget
Moyenne des évaluations de clientsÉvaluations – Cliquez sur les onglets pour changer la source des évaluations.
-
Au global5 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire5 out of 5 stars
- Filippo Bonadonna
- 2024-10-17
All aboard
All aboard on the YNAB train!!!! This is the only budget tool I've been able to stick with. If you apply it as it should, you will eventually see your checking account grow and other areas too like investing. This audiobook simply gives you a good explanation on how to budget with the YNAB program. Useful if there are some elements you don't understand.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
-
Au global5 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire5 out of 5 stars
- Misty Hola
- 2023-05-13
Give every dollar a purpose - zero based budgeting.
I started the book because I have no debt but constantly wonder where did my money go. My bills are always paid, overall I’m handling my finances well, but I struggle with the spending. Throughout the book I was wondering when is he going to talk about envelopes or the practical how-to of implementing the concept. Turns out it’s all done in your chequing account and with a spreadsheet. I was a little worried at first because I feel like money in the bank IS the problem. With a couple examples I realized, understanding the concept and changing your behaviour accordingly is key. I don’t want envelopes of money all over, I want a lot of money in the bank that has a purpose. If it has a purpose I won’t spend it so willy-nilly. So overall excellent book and concept for getting people started for the first time or back on track for the 100th time.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global5 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire5 out of 5 stars
- M. B. O.
- 2022-10-16
More like a therapy on budgeting & consumer spending
At first, I questioned why this book isn’t free, as it would be an awesome advertising for the app. Then, as I listened to the author, I realized that this was precisely what I was looking for — an informative piece on how to have a healthier perspective on spending $ budgeting.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global5 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire5 out of 5 stars
- Caitlen Coates
- 2018-12-07
Amazing!
I started using the budgeting software and it really is way better then anything else I have used in the past. working towards financial freedom! Thank you.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
2 les gens ont trouvé cela utile
-
Au global1 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire1 out of 5 stars
- Renee Bonas
- 2019-04-15
Bad
I want my money back , struggle to finish it. don't buy this book. waste of time
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
1 personne a trouvé cela utile
-
Au global3 out of 5 stars
-
Performance5 out of 5 stars
-
Histoire3 out of 5 stars
- Ae
- 2018-01-04
just stories and the 4 rules
after the intro chapter, only 3 chapters are original. others are just the four rules.
Un problème est survenu. Veuillez réessayer dans quelques minutes.
Vous avez donné votre avis sur cette évaluation.
Vous avez donné votre avis sur cette évaluation.
5 les gens ont trouvé cela utile