Para calcular a classificação geral de estrelas e a análise percentual por estrela, não usamos uma média simples. Em vez disso, nosso sistema considera coisas como se uma avaliação é recente e se o avaliador comprou o item na Amazon. Ele também analisa avaliações para verificar a confiabilidade.
I received a couple of emails about this book and ignored them and then thought I'd take a look. The book is very informative and makes a lot of sense so I went to their web page and spoke with a member of staff via webchat who advised me to start a budget immediately as my husband has had an accident and is on sick pay for approx 3/4 months so our income has dropped by approx 1k per month, which is a lot of money, to us anyway. They also advised me to google them as I'd be able to get 3 months free that way instead of the 34 days they offer, so I did, which has saved me money. They also don't ask for credit card details up front which is very refreshing but I will definitely be subscribing with them when my free trial expires. I have to say it's taking me a while to get my head around their system but they always answer my emails and I've had to watch loads of youtube tutorials but this system has made a massive difference to our family. I've had to have a conversation with our mortgage company incase things got really bad but fortunately they haven't as we are now managing to just pay our bills and feed our family of 4 (2 teenagers) on our reduced income. We also haven't had to borrow any money from my parents to survive on which is what we would have done had I not done this budget. Now that I can see what we can/are actually surviving on I have absolutely no idea where that additional 1k went every month as we have absolutely nothing to show for it. This means as soon as my hubby goes back to work I'm banking on living on last months pay check within 3 months and then concentrating on paying off debt (yep we have a lot) and also a holiday later in the year and also budgeting for 1 family meal out a month as we have never done that before as we were always skint each month. I cannot tell you how relieved I feel, even though we have nothing additional other than food & bills, I know this is only temporary, the fact my mortgage is being paid is enough (oh, and my kids are being fed) and I truly hope somebody in my situation reads this review and it helps them realise there is light at the end of the tunnel
The book itself is well-written, but I wanted to leave a review mainly based on the system itself.
I created a spreadsheet to track my budget, there's no need to sign up to their service as good as it looks. To be honest, it takes a lot of effort to run the system effectively, especially in the UK where we don't have automated bank synchronisation, but if you keep on top of it every few days I find it manageable. You have to be able to commit to track every transaction - cash spending is more difficult to do - and assign it to your budgets. But having spent years wondering where on earth my money was going each month, despite me thinking I was managing my money well, and recently having some large extra financial commitments that could derail me, it's genuinely worth that effort now I'm three months into using it.
At the end of each month I go on a virtual spending spree, assigning ALL of my income to the things I know are going to come out (bills etc), planning for the future, and not forgetting to assign money to fun things to make life worthwhile. I think the psychological effect of having 'spent' every penny at the start of the month changes your spending habits in real life, and gives you confidence in what you can and can't spend. And the comfort in knowing that if something comes up you can flex things in your budgets to cover it.
I've been using YNAB for about three years now and love it. I bought this expecting more of a how-to guide eg how to deal with credit cards (especially how to deal with credit cards, my personal bugbear) but it's more about applying the ideas behind YNAB and working towards personal goals. For me it has acted as a sort of pep talk, a motivator. It's very practical and down to earth.
I've bought it as both a Kindle book and as an Audible download and use both.
Fantastic book, lots of great information but concisely written and straight to the point. The system itself is great as it looks at budgeting money as a positive exercise. You are not restricting your spending but allocating it to what is important to you and what you want to achieve with your money. Also I love the idea about saving throughout the year for ‘unexpected’ expenses such as car repairs or an unexpected event which actually tend to come around pretty often. This book would be great for anyone from low to high income, it’s not a prescriptive book but requires you to decide what you want to do with your money and gives you the tools to achieve it.
Short but sweet. As an existing YNAB user, it was great to get some new pointers and perspectives on budgeting and helped me understand Rule Four (Age your Money) a little more clearly!
If I had any criticism, it was probably a little too short for my liking- it would have been great to have some more real life examples. However, this point does not detract from the quality of the book!
Both my son and I use ynab and find it extremely useful. He wanted to have the book to fully understand the principles and get the most out of the budgeting programming. Ynab is brilliant and my son is really enjoying the help this book provides.