![]() ![]() This is the part dedicated to teaching the four rules of YNAB. If you know and use YNAB, about half the book won’t be groundbreaking new material. I don’t get tired of talking (or reading) about all things budgeting. Budgeting (especially YNAB-style budgeting) is my jam. The thing is, I’m probably not the best person to ask. If you already use the YNAB method or the YNAB software, you might wonder if the YNAB book adds anything useful. I know some of you have been using YNAB for years, many at my personal recommendation. While a one-size-fits-all budgeting template won’t work for most people, YNAB’s Four Rules teach you to design and use a budget that will work for you no matter your financial situation! What if I already use YNAB software, do I need this book? Unlike other traditional budgeting advice that recommends specific percentages for various spending categories, Jesse is adamant about not telling you what to do with your money. Using your priorities as the driving force behind all of your money decisions, you will learn how to use the money you actually have to help make the life you want. I know I do.Ī budget is the way you can tell your money what matters most to you, and make sure it’s working to help you accomplish those priorities. When the way we’re using our money doesn’t support our highest priorities, we feel financial stress and general unhappiness. Of course, money itself isn’t enough, but if we have some, we should be using it in a way that aligns with our values and helps us realize our priorities. Money is a tool, a resource we can use to help us get to the life we want. The thing I like most about You Need a Budget(the book) is that it focuses not just on how, but on why. So here’s my take on the YNAB book, with a little FAQ thrown in. ![]() It’s like saying, “Stephanie I know you love chocolate and peanut butter, well I made this new dessert that combines chocolate and peanut butter… try it and let me know what you think!” Plus, Jesse has always had a way of making budgeting, a potentially dull topic, fun and entertaining. The YNAB methodology is the smartest, most effective way we’ve found to manage our money, and I’ve heard the same from many others. ![]() To be completely honest, I was pretty sure I would like the book before I even opened it. I know that sounds dramatic, but it’s true.Īs someone who has used, loved, and written about YNAB for years, I was planning to get the new book You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want , written by YNAB’s creator, Jesse Mecham, and review it for you.Īpparently someone at YNAB was reading my mind, because before I bought my copy, they contacted me and asked if I would accept a free copy in exchange for writing a review on my blog! Umm yes! We have for years! Learning the You Need a Budget methodology revolutionized the way we think of and handle our money. If you’ve been around Six Figures Under for any length of time, you know that we budget with YNAB.
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