Jesse Mecham - You Need a Budget.pdf

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Dedication
For Julie . . . and the six other small people
who live in our house.
Contents
Cover
Title Page
Dedication
INTRODUCTION
CHAPTER 1: A New Way to Look at Your Money
CHAPTER 2: Rule One—Give Every Dollar a Job
CHAPTER 3: Rule Two—Embrace Your True Expenses
CHAPTER 4: Rule Three—Roll with the Punches
CHAPTER 5: Rule Four—Age Your Money
CHAPTER 6: Budgeting as a Couple
CHAPTER 7: Slaying Debt, Whatever Your Situation
CHAPTER 8: Teaching Your Kids to Budget
CHAPTER 9: When You Feel Like Quitting
PARTING WORDS: You’ve Got This
Acknowledgments
Appendix: Where to Read, Watch, and Listen to All Things YNAB
Index
About the Author
Credits
Copyright
About the Publisher
Introduction
I
f you’re reading this book, money stresses you out in some way. For some
of you it might be pull-your-hair-out stress. For others, maybe you just
know your money situation isn’t as good as it could be. Whether we’re
panicking or just feeling uneasy, money thoughts interrupt our peace of
mind all the time, on so many levels. We usually don’t even notice it
happening.
You grab a $6 turkey sandwich at work, and while standing at the
register you think of the stack of cold cuts in your fridge at home. “Should
have gotten up earlier to pack lunch,” you think. You read an article about
how your generation isn’t saving enough for retirement and wonder if you
should up your 401(k) contribution. You save to remodel the bathroom and
still worry it’s the wrong move because your laptop is about to croak, the
dog has a funny limp, and the growing rate of college tuition has us all
thinking we should be eating beans between now and the time our
kindergartners go to college. That tight feeling hits your chest, your
breathing gets a little shallow, and you just chalk the stress up to your busy
schedule.
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