You Need a Budget
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
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Narrado por:
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Jesse Mecham
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De:
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Jesse Mecham
Acerca de esta escucha
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 PublishersLos oyentes también disfrutaron...
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Featured Article: 10 "Finfluencers" You Should Know
There’s no shortage of personal finance advice through social media these days. "Finfluencers," or personal finance influencers, are taking over our feeds. Here, we’ve rounded up 10 of the most popular and trusted names in personal finance on Audible, along with their podcasts and audiobooks. While most of these finfluencers are millennials, their listens offer advice for everyone, regardless of your age, income level, or financial acumen. Whether you're struggling to stick to a budget or seeking to make your first million, here are the top influential figures in personal finance worth a listen.
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Narración:
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Debt-related fear, anxiety, and stress can take a toll on your physical and mental health, which can affect your relationships, your career, and your future. But you don’t have to live like this for the rest of your life. You can take small steps today toward fixing your finances and finally closer to a life without financial burdens.
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Great listen
- De Jade Robertson en 01-11-21
De: Michael Steven
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The One Week Budget
- Learn to Create Your Money Management System in 7 Days or Less!
- De: Tiffany the Budgetnista Aliche
- Narrado por: Tiffany the Budgetnista Aliche
- Duración: 3 h y 20 m
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Hate paying bills? So do I, and that’s why I stopped! What if I told you that I haven’t paid a bill in more than a decade and that my credit score is higher than 800? Would you call me a liar, or would you want to know how I did it? In this audiobook, I will teach you what took me years to learn. The One Week Budget is for anyone who wants to manage his or her day-to-day money without the day-to-day hassle. Does this sound like you? What are you waiting for? Listen to the audiobook already!
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Missed the Mark
- De Arcilicia T. Oliver en 01-01-21
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Get Good with Money
- Ten Simple Steps to Becoming Financially Whole
- De: Tiffany the Budgetnista Aliche
- Narrado por: Tiffany the Budgetnista Aliche
- Duración: 12 h y 23 m
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Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.
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Goodbye SWEET 16. Hello ROTH IRA!
- De Will Smith en 04-12-21
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Get the Hell Out of Debt
- The Proven 3-Phase Method That Will Radically Shift Your Relationship to Money
- De: Erin Skye Kelly
- Narrado por: Erin Skye Kelly
- Duración: 7 h y 19 m
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Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free. She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management - and started achieving massive results- other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives.
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This was painful
- De Anonymous User en 12-06-22
De: Erin Skye Kelly
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Promoted with Tenure
- De: KB Fisher
- Narrado por: Isaac Vega
- Duración: 10 h y 41 m
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The University of New Orleans is a modest, tight-knit community of diligent academics. When the chair of the biology department is violently murdered, assistant forensic pathologist Hunter Romero has her own rather unique suspicions about the crime scene. Hunter's intuition is tested when evidence is leaked to a prominent national magazine, releasing privileged information that could hinder the investigation, putting her trust in those nearest to her on shaky ground.
De: KB Fisher
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SuperLife
- The 5 Forces That Will Make You Healthy, Fit, and Eternally Awesome
- De: Darin Olien
- Narrado por: Darin Olien, Matt Burns
- Duración: 7 h y 29 m
- Versión completa
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In this groundbreaking health-and-lifestyle guide, nutritionist and superfoods expert Darin Olien provides the keys to understanding and utilizing five life forces - quality nutrition, hydration, detoxification, oxygenation, and alkalization - the factors that determine whether we will be healthy, fit, and free of illness.
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The theory of everything nutritional- for Dummies
- De Leslie en 08-01-15
De: Darin Olien
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How to Stop Living Paycheck to Paycheck, Second Edition
- A Proven Path to Money Mastery in Only 15 Minutes a Week! (Simple Personal Finance Books) (Smart Money Blueprint)
- De: Avery Breyer
- Narrado por: Tiana Hanson
- Duración: 3 h y 5 m
- Versión completa
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In this timeless best seller, you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that'll ruin your financial plans if you let them!). Find out the most important things you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners and takes only 15 minutes per week to maintain.
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Not impressed
- De Sara Kaylor en 06-13-24
De: Avery Breyer
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Budgeting for Dummies
- De: Athena Valentine Lent
- Narrado por: Diana Blue
- Duración: 10 h y 31 m
- Versión completa
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Ask any financially successful person how they achieved their goals, and chances are they'll tell you it all started with a budget. And that's exactly where you should start. Budgeting For Dummies shows you how to create a plan that fits your lifestyle, manages everyday needs, and builds your savings. Author Athena Valentine, founder of the Money Smart Latina blog, offers step-by-step details for creating and following a budget without feeling like you're depriving yourself of all the things that make life worth living.
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Poppies Grow in Normandy
- Secret Diaries of a CIC Agent in WW II
- De: Gerald Condon
- Narrado por: Jerry Lyden, Irene Dennis, Padraic Harrison, y otros
- Duración: 15 h y 23 m
- Versión completa
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In 1918, Gerald Condon was a 20 year old American Private training as a Signalman before serving in France. By World War 2 he was a 20 year veteran of the Buffalo, NY Police Department when he re-enlisted to "finish what we started 25 years ago". When he shipped out for England in 1944 he was engaged to Ann Lyden the widowed Grandmother of Jerry Lyden. Excerpts from his letters home are included and are read in the voice of Ann Lyden. This role is voiced by Irene Dennis. The young Gerald is voiced by Padraic Harrison. Jerry Lyden reads the words of his grandfather, Gerald Condon.
De: Gerald Condon
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The Science of Self-Discipline
- The Willpower, Mental Toughness, and Self-Control to Resist Temptation and Achieve Your Goals
- De: Peter Hollins
- Narrado por: Peter Hollins
- Duración: 3 h y 18 m
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Your best intentions are not enough. Learn how to scientifically engineer a disciplined existence, become relentless, and never give up. Whatever you want in your life, self-discipline is the missing piece. Goals will remain dreams if you make the mistake of relying on motivation and your best drawn plans. The Science of Self-Discipline is a deep look into what allows us to resist our worst impulses and simply execute, achieve, produce, and focus. Every principle is scientifically-driven and dissected to as be actionable and helpful as possible. You'll learn how top performers consistently exercise self-discipline, as well as what drives us on an instinctual, psychological level to act.
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Same old tired rehash of studies and common sense
- De A. Molnar en 07-12-18
De: Peter Hollins
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The Total Money Makeover Updated and Expanded
- A Proven Plan for Financial Peace
- De: Dave Ramsey
- Narrado por: Dave Ramsey
- Duración: 7 h y 50 m
- Versión completa
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By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.
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Easy to Understand Plan
- De Melinda E. en 06-06-24
De: Dave Ramsey
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I Know What to Do, So Why Don't I Do It?
- The New Science of Self-Discipline
- De: Nick Hall
- Narrado por: Nick Hall
- Duración: 10 h y 5 m
- Grabación Original
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You might think laziness, lack of willpower, and/or low motivation are to blame for the fact that you aren't achieving your goals. But fascinating research in the field of psychoneuroimmunology has revealed another, far more likely possibility. One with the potential to transform your life in a dramatic way.
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Big Disappointment!
- De TP en 01-29-15
De: Nick Hall
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Budgets Don't Work (But This Does)
- De: Melissa Browne
- Narrado por: Melissa Browne
- Duración: 6 h y 49 m
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When it comes to saving and spending money, we’re not all the same. Yet for too long, the financial advice world has treated us as if we are. This audiobook will give you the tools you need to make that long-awaited financial breakthrough, allowing you to discover your ‘Financial Phenotype’: the unique combination comprising your money story, your money environment, your money type and, just as importantly, the habits, triggers and tricks that are right for you.
De: Melissa Browne
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The Simple Path to Wealth
- Your Road Map to Financial Independence and a Rich, Free Life
- De: JL Collins
- Narrado por: JL Collins, Peter Adeney
- Duración: 6 h y 38 m
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This book grew out of a series of letters to my daughter concerning various things - mostly about money and investing - she was not yet quite ready to hear. Since money is the single most powerful tool we have for navigating this complex world we've created, understanding it is critical.
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Misleading, heavily biased
- De Cody Peralta en 07-19-19
De: JL Collins
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What You Do Is Who You Are
- How to Create Your Business Culture
- De: Ben Horowitz
- Narrado por: Kevin Kenerly
- Duración: 6 h y 12 m
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Ben Horowitz, a leading venture capitalist, modern management expert, and New York Times best-selling author, combines lessons both from history and from modern organizational practice with practical and often surprising advice to help executives build cultures that can weather both good and bad times. What You Do Is Who You Are explains how to make your culture purposeful by spotlighting four models of leadership and culture-building.
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Life changing book!
- De Jurell Tanksley en 10-30-19
De: Ben Horowitz
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The SaaS Playbook
- Build a Multimillion-Dollar Startup Without Venture Capital
- De: Rob Walling
- Narrado por: Rob Walling
- Duración: 4 h y 14 m
- Versión completa
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Learn how to compete against large competitors and structure your pricing for maximum growth. Discover the four SaaS Cheat Codes that can dramatically accelerate your business's success. Learn how to avoid common mistakes that SaaS founders make and identify the right marketing approaches for your business.
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Solid
- De Phil Williams en 12-14-23
De: Rob Walling
Lo que los oyentes dicen sobre You Need a Budget
Calificaciones medias de los clientesReseñas - Selecciona las pestañas a continuación para cambiar el origen de las reseñas.
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- Tanisha Evans
- 05-30-19
Best budget system ever
I have used every budget app followed all the Budget advice from those who seemed to know about money and never could get MY MONEY to do what I wanted it to do. Until I came across YNAB now I had it seen before and just shrugged it off as just another system. Fast forward some years and three kids later I found myself drowning in debt living paycheck to paycheck (barely) and just looking for a miracle from God. So I started doing my research watching different YouTube video reviews and again YNAB came up. So I said what can I lose I checked it out and haven’t looked back since. I’m no where near where I wanna be and to be honest was ready to quit but after reading this book it gave me such a better insight on the overall philosophy I am actually excited about budgeting now and don’t look at it as a chore. I’m such a competitive person so this allows me to see how far will go to hit my financial goals. This system has blessed me in a way far beyond budgeting just my overall thought on finances and quality of life will be forever changed. I plan on buying the actual book to keep as a reference.
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- Troy
- 06-14-18
Seems like a good plan.
The book was inspirational. I look forward to putting this to action. The website is pretty critical to making this work, it seems.
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- BKS540
- 11-12-18
Great System
This is a great budgeting system, and a good intro to the YNAB software. If you use the software, you should read this book. If you don't use the software, but want to be a better at budgeting, you should read this book.
Great book for anyone instersted in budgeting philosophy.
#budget #money #advice #tagsgiving #sweepstakes
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- Anderia
- 07-18-18
Very Engaging!
This book was great to listen too. It provided great advice. Great advice that is easy to follow without getting overwhelmed about your debt.
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- KSQueen
- 11-24-18
Common Sense Rules to Change Your Life
I cannot wait to put these principles into action in my real life. Easy listening, everyday common sense rules to get you on track. And I even got the book for a super great sale price. Bonus! Don’t miss this one, it’ll be worth every penny even if you miss the sale!
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- Eublepharis
- 09-18-18
motivating
this made budgeting feel much more manageable. it's a motivating read for saving on any budget.
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- Anonymous User
- 09-01-20
Worth the listen.
Very good knowledge in this book.
It's worth a re-listen.
Go ahead. Study it. Enjoy
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- Rebecca Drumbor
- 03-02-20
Good methodology
Easy to follow on audio. I’ve implemented some of the steps and already ( after weakly following for 2 months) am seeing improvement in my ability to stick to my new budget, and much less anxiety over it.
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- SaritaKJ
- 06-19-19
Excellent and Essential
Outstanding book--the best there is on budgeting. Read by the author and creator of YNAB himself. Well written, well read. Highly recommended.
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- Anonymous User
- 01-26-20
AWESOME LISTEN!
This book should be in everyone's library! Jesse has developed a superb budget program that's not only easy to follow but fun to do. He also explains how to get your kids onboard which is amazing in itself. I highly recommend this book.
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