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'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.
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!
An excellent and very accessible book that covers four basic rules for consideration when you are budgeting. I won't summarize what those are as they are contained in the book and are easy to find on the internet either way.
The book is clear, concise, and easy to read (1 day of off and on reading for me). The author offers several suggestions around additional budgeting questions such as couple's budgeting, teaching your children how to budget, and debt recovery. Finally there is a chapter on how to cope when you feel like quitting (which sounds common in *ALL* systems based programming!)
This is a rules based system rather than a practical or practice based content. You won't be finding out if, for instance, you should deduct this or that expense. Rather this is more of a financial philosophy of approaching your view of and categorization of your money.
I discovered YNAB late last year. We had tried other tools, envelopes, spreadsheets, Mint, Quicken, MS Money, etc.; none worked. This takes methodologies, like Dave Ramsey's and add to it the much-needed flexibility to make it actually work. No budgeting system works unless you stick to it. YNAB is such a system.
In the book, Jesse does a great job of talking about the methodology behind the software, and not about the software itself. While I'm a happy user of the software, this methodology could be used on a spreadsheet if needed. Jesse really hits home on the "WHY" of budgeting, as well as the "HOW." He also conveys quite well the benefits of doing each, and it's not about having more money, it's about having more control, and less worry. Which actually leads to more money!!
If you're worried when you swipe your debit card if you get stressed checking your account balance if you have more bills than money, this book is for you. Since using this methodology I have so little money stress it allows me to think more rationally about where my money goes, and where it needs to go. If you never used or intend to use this software, the book is still a worthy read.