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Com quatro regras simples e práticas, Jesse Mecham ensina a melhorar a vida financeira de uma maneira fácil e indolor. Primeiro, ao definir quais são as prioridades da sua vida, você poderá dar uma função real ao dinheiro, sem que gastos supérfluos sejam feitos. Após isso, estabelecendo metas, você poderá tratar certas despesas como contas mensais até atingir o montante para pagar por algo que quer. Só que, em vez de parcelar eternamente no cartão de crédito, o pagamento será feito à vista. Depois, ao restabelecer metas sempre que necessário e juntar algum dinheiro, você poderá viver mais tranquilamente e sem preocupações. Por fim, ao seguir essas regras, você atingirá o nirvana do assalariado: vai sobrar dinheiro na sua conta antes de o mês acabar. Após atingir esse estado sonhado por tantos, mas alcançado por tão poucos, o céu é o limite — e, com tempo, os seus sonhos mais loucos estarão apenas a um passo da realidade.
Nunca mais fique sem dinheiro vai ajudá-lo a abandonar hábitos que saem caros demais, se tornar proativo e controlar as suas finanças. Despeça-se do estresse causado pelo dinheiro e diga olá à vida que você sempre quis ter.
Debt, in almost any form, is lame. Nope, “lame” is probably not a strong enough word for it. Debt is a burden. Debt’s a drain. It’s a mood killer. It’s a relationship strainer. It’s a cash flow crusher. Sheesh. It takes the fun out of just about everything.
Sure, you’ll hear fancy-pants people tell you about “good” debt and “bad” debt and the like. They’ll discuss fancy terms like “opportunity cost” or the value of using “OPM” (other people’s money, and if you didn’t know what OPM meant, bless you). They may even use another three-letter acronym like “ROI” when they’re talking about how you can leverage debt and get a better return on your investment.
Well, we’re not talking about capitalization of a multi-conglomerate business. We’re talking about your personal finances. And when it comes to personal finances, debt is a draining, mood-killing, cash flow-crushing burden—and it’s lame.
Heck, debt collectors, big banks, attorneys ... they all make debt personal. So I think it’s safe to say that your debt belongs right square in the middle of what we’d call your personal finance.
Yes, let’s make this very personal. Let’s talk about how you got into this mess of debt, where you want to go, and how you’ll get there. And, true to our 80/20 guide form, I’ll tell you everything you need to know and do as quickly as possible. Unless I see a good opportunity for a joke, where I’ll drag it out just a bit longer.
This book is for you if you want to invest correctly (and enough!), but have zero interest in the complex stuff. This book is also for you if you're ready to take action.
Once you've finished reading this book, you'll know more than most when it comes to investing. Most importantly, you'll know exactly what you need to do to invest successfully.
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....