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Such an excellent, thought provoking book, you can feel Jesse cheering you on! Although he mentions the YNAB software, in no way does he try and talk you into signing up, and this book is stand alone. The four rules are clearly (and sometimes humorously!) explained in a way that just makes you want to dive right in and sort everything out! Highly recommended.
Diesem Booklet ist anzumerken, dass Jesse Mecham schon einige Jahre Erfahrung im Budgetieren hat. Er ist ja der Erfinder der genialen Buchhaltungs- und Budgetierungssoftware YNAB, die hier allerdings eine untergeordnete Rolle spielt. Hier lässt er die Leserin/den Leser zunächst die persönlichen Wertigkeiten reflektieren und erkennen, wie individuelle Schulden entstanden sind. Dann rät er fundiert von Umschuldungen und beliebten Standardratschlägen ab. Schließlich umreißt er die Prinzipien des Budgetierens und des flexiblen Umgangs mit einen Budget. Damit verzichtet er darauf, dem Leser/der Leserin eine neue Patentmethode der Schuldentilgung reinzudrücken, sondern befähigt sie/ihn sich eine eigene Strategie maßzuschneidern. Ein grundvernünftiger Ansatz.
Estaba buscando algún libro para hacer un presupuesto y compré este por error (1-click). Aún así me gustó, es una introducción al método You Need A Budget, y me dio un poco de motivación para pagar mis deudas. No explica a detalle cómo hacerlo, es muy general.
First, full disclosure: this book is by the founder of YNAB ("You Need a Budget"), and to a small extent it's a bit of a commercial for YNAB. But not overwhelmingly so-- in that portion of the book, it presents methodology rather than the hard sell, and lets the methodology speak for itself. And (here's the full disclosure) I'm a YNAB customer and it is a LIFE CHANGER. So I'm a bit biased here, but I wouldn't be writing this review if I didn't think this really low-cost ebook isn't completely worth it! Especially if you're struggling with debt and haven't figured out a plan of attack.
This book can be read in an hour, and discusses exactly what it purports to do: explain why "debt consolidation" (as a concept, and as a service) is a scam that doesn't help you in the long run. In the latter part of it, it discusses the YNAB methodology. However, it doesn't just offer it as a teaser to direct you to the service... it discusses the ins and outs of it thoroughly. There's nothing in that section that is missing or would require you to go elsewhere for more info, it's all there. Everything you need to know to formulate your plan.
WHO THIS BOOK IS FOR: anyone out there who has debt and is trying to figure out how to make it go away. Particularly if you're not familiar with YNAB. I will say that this book doesn't contain anything that you can't find on the YNAB website, in the help contents and blogs... but to have it distilled into one place, especially for the low price, is great. And especially if you're new to it... then this book is for you. YNAB does an amazing amount of good in the world, so definitely support it (and its founder) by spending a mere dollar!
WHO MAY NOT WANT THIS BOOK: anyone who is already deeply familiar with YNAB or is actively practicing its methodology. If that's the case, this book will be familiar territory and you may not glean anything new from it.
SUGGESTION TO THE AUTHOR: include a discussion about those even more sinister variants of debt consolidation companies, those who pressure you into charge-offs where they act like they're doing you a favor by wiping out half your debt... then your credit gets destroyed in the process.
tl;dr: 99 cents will get you going on a path to save you hundreds or thousands. So worth it.
52- pages of worth of life transforming and gold advise from the Author. In order to address debts, I had learned (the hard way) that we need to change from within first. Otherwise, we'd just be going round in circles and eventually, sink deeper. Had I picked up this book much earlier in my life, I would have avoided much pitfalls. But "all gold are refined by fire". Don't be like me, learning the hard way. Pick this book up and let Jesse Mecham share these life transforming and wealth accumulating secrets with you. He is also the author of YNAB (You need a budget), but there never has been an element of hard sell or push-sales by him. Respect! Instead, you get quality, genuine and sincere step-by-step guidance, setting upon you the hard truth of debts but also, how to destroy it once and for all by taking those golden steps. Highly recommended for anyone who seeks financial wisdom.
It's basically the same as the ynab book. Even goes over the four rules. So it isn't a necessary read. Only difference is it focuses on debt, but even the tips it gives to pay off debt are mentioned in other areas of ynab. Still, I read the whole thing and it isn't necessarily a bad book, especially for how cheap it was.