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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 Capa dura – Ilustrado, 26 dezembro 2017
|Prazo||Valor Mensal (R$)||Total (R$)|
|3x sem juros||R$ 32,22||R$ 96,64|
|2x sem juros||R$ 48,32||R$ 96,64|
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Descrição do produto
Wall Street Journal Bestseller
Experience a life free of financial stress and transform your relationship to money with this indispensable guide--the first book based on You Need A Budget's proven method that has helped hundreds of thousands of people break the paycheck to paycheck cycle, get out of debt, and live the life they want to live.
No one should tell you what to do with your money--only you know what's most important to you. Always guiding you back to your true priorities, Jesse Mecham will fundamentally change the way you think about your money and what it can do for you. His proven method--four, simple rules--will transform money management from a paralyzing burden to a powerful tool, putting you in total control of your life:
- Give Every Dollar A Job. Be intentional about what you want your money to do before you spend it.
- Embrace Your True Expenses. Break up larger, less frequent expenses into smaller, more manageable amounts. By saving monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.
- Roll With The Punches. When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they're guilt-free, realistic, and sustainable.
- Age Your Money. As you repeat the first three rules, you'll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you'll have finally broken the paycheck to paycheck cycle for good.
This tried-and-true system has changed the lives of hundreds of thousands of people by teaching them how to take charge, adjust money habits, eliminate stress, and build the life they want to live. Don't waste another month counting down the minutes until payday....
Sobre o Autor
Jesse Mecham founded YNAB in 2004 to help him and his new wife, Julie, watch their money. Studying for his master of accountancy at Brigham Young University at the time, he put his numbers wizardry to work to develop a system to track their expenses, and that became YNAB. He lives in Utah with his family.
Detalhes do produto
- Editora : Harper Business; Illustrated edição (26 dezembro 2017)
- Idioma : Inglês
- Capa dura : 224 páginas
- ISBN-10 : 0062567586
- ISBN-13 : 978-0062567581
- Dimensões : 13.97 x 2.06 x 20.96 cm
Ranking dos mais vendidos:
Nº 489,204 em Livros (Conheça o Top 100 na categoria Livros)
- Nº 92 em Importados sobre Orçamento Pessoal
- Nº 126 em Importados sobre Orçamento Financeiro
- Nº 424 em Importados sobre Gerenciamento de Dinheiro Pessoal
- Avaliações dos clientes:
Sobre o autor
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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.
So far, so good. Give it a try.
I've bought it as both a Kindle book and as an Audible download and use both.
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!