Our free template is both printable as a budget worksheet and digitally like a spreadsheet that will auto calculate for you. You can customize and use it for any financial situation! All opinions are my own.We created our FREE simple budget template to be as straightforward and easy to use as possible. I think there are so many complicated budgeting ideas out there it can often feel like you need to be an economist to understand them, but Mecham’s approach makes sense to even the most mathematically challenged like me!Īs part of the TLC Book Tour for this book, I was provided an advanced copy of the book in exchange for my honest review. I appreciate that Mecham and the book isn’t a big advertisement for his software ( which has a free trial period, but after there is a usage fee), and that he uses the book as an opportunity to educate about the principles of budgeting in an easy to understand and useable way. I’d definitely recommend this book if you’re trying to move forward with financial goals and figuring out a system that works well for you and your family. I think this is something I’ll try with us, though we’re pretty open about money and spending after 5 years together. Mecham suggests monthly budget dates to go over spending and priorities. It’s taken us awhile to get our act together as a couple financially and to find a system that works for us. Q and I have very different methods for managing our money, especially since Q is almost entirely a cash only guy. I really appreciated Mecham’s chapter on budgeting as a couple. For example, I looked through my spending after reading the book and realized that 2017 had way too much shopping in it. ![]() I want to have enough dollars to cover my expenses so that I can live a meaningful life doing work that is fulfilling and challenging, without having to worry about my bottom line and bills every month. This book made me realize I need to be more on top of where the actual dollars are going and pay attention to that. ![]() Essentially, we should all ask ourselves: what do I want my money to do for me?įor me, I want to live debt-free. But what I like about Mecham’s system is that he sees money not just as a numbers system to be conquered, but that the money has to reflect priorities for life. I keep a pretty tight system- I bring lunch everyday, I contribute to my 401k, but some in savings, have eliminated credit card debt. I am a saver and planner by nature and I think my budget reflects that. ![]() I liked this book because it goes in-depth with real life examples of the 4 tenets of the YNAB system:Ī lot of these things I already do, especially #1 and #3. I’ve seen the You Need a Budget system (YNAB) on various financial blogs before, but I’m a classic paper and pen gal when it comes to organizing life, and that includes budget, so I’ve never looked into the software that Jesse Mecham developed. It can certainly help you! Whether you’re looking to right an apparently sinking ship, or you just want to implement a system that will require less time “managing” your money, YNAB will most definitely work for you Discover four simple rules to help you stop living paycheck to paycheck, get out of debt, and save more money faster! The You Need A Budget (YNAB) Method has helped tens of thousands of people to turn their financial lives around.
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