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Amazon.ca

You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle (Kindle Edition)

  • Last Updated:
  • Dec 12th, 2020 10:23 pm
Newbie
Nov 13, 2019
34 posts
79 upvotes
Ottawa

[Amazon.ca] You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle (Kindle Edition)

Not worth the purchase if you use YNAB already or are familiar with their method. Definitely worth it if you're interested in the program but don't want to commit to their monthly subscription model right off the bat.
133 replies
Deal Expert
Feb 24, 2018
27006 posts
36893 upvotes
Unfortunately this book breaks my budget.

The cycle continues....

Jokes aside, read into Zero-Based Budgeting, there's plenty of online resources.

https://www.investopedia.com/terms/z/zb ... nd%20costs.
I aim to be inclusive and considerate of others in my posts. If I fall short of that mark, feel free to let me know in good faith, and where appropriate, I'll edit my posts. Thank you.
Deal Addict
User avatar
Mar 17, 2018
2688 posts
5329 upvotes
Winterpeg
Any books on how to find a rich wife?
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Member
Apr 28, 2010
478 posts
572 upvotes
Terrace
The book is missing the most important rule haha!
"Stop browsing RFD"
Deal Fanatic
Feb 22, 2009
6014 posts
7059 upvotes
Whitby
Rdfr. What more do you want from me? LoL
Member
Aug 20, 2018
339 posts
1574 upvotes
Totally agree with @redflagdealsguy - all joking aside, I really hope some people looking at this thread find a budget solution - be it “zero based” or just creating and working with a budget.

Good luck.

And, of course, ask for help and advice (even on here) if you think you need it.

It’s a tough world.
Sr. Member
Nov 13, 2018
905 posts
1998 upvotes
I've been using YNAB for like 5 years. Great program / philosophy.
Newbie
Sep 4, 2015
99 posts
95 upvotes
Madden, AB
I'm a convert. I had no clue what I was doing until I discovered it.
Sr. Member
User avatar
Mar 6, 2019
607 posts
945 upvotes
Toronto
Cannot comment on the book, but I used the YNAB service, found it insanely overpriced for what it does. An Excel/Google Sheet does the same thing minus banking integration (which I would avoid), and costs $0.00 as opposed to $120/year.
Newbie
Oct 2, 2019
17 posts
9 upvotes
Has done wonders for me in the past 6 months. Would recommend it to anyone looking to pay off loans or build up savings.
Member
Oct 30, 2012
432 posts
795 upvotes
Started using the YNAB service about 4 years ago and can't recommend it enough.

I was insanely bad with my finances prior to using it and since then I've multiplied my net worth by 30!
Deal Addict
Oct 7, 2008
2665 posts
1714 upvotes
Home
mrkdwd wrote: Started using the YNAB service about 4 years ago and can't recommend it enough.

I was insanely bad with my finances prior to using it and since then I've multiplied my net worth by 30!
The first $30 are the hardest they say.
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Deal Addict
User avatar
Oct 2, 2005
1789 posts
1429 upvotes
Montreal
Don't do it. RFD needs you to keep buying stuff.

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Jr. Member
Jun 21, 2011
147 posts
51 upvotes
VANCOUVER
Thanks. Bought 1. I bought the app but was t able to figure it out.
Deal Guru
User avatar
Jul 7, 2007
10969 posts
2897 upvotes
I will give you 2 tips for free (yes, please upvote instead of paying me)

2 different methods to break paycheck-by-paycheck

1.... quit your job... can't be living paycheck by paycheck if you don't get paycheck in the first place.

2... marrying rich. although that highly depending on what you look like..... or your gender.... sorry ugly guys!
Deal Expert
User avatar
Feb 8, 2014
32046 posts
15306 upvotes
Socially Distanced
My budget is insufficient to cover the cost of this e-book.
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Sr. Member
Apr 29, 2013
617 posts
1001 upvotes
Candiac
I've been using YNAB for a couple of years now and can honestly say it has completely changed my financial situation. I have no surprises ever when a bill comes up and have the funds to roll with the punches if an emergency does come up. It takes some getting used to but after a month or two you'll wonder how you've ever did without. I've recommended it to my parents who also love it. I sill use the old version which doesn't require a subscription, but if it stopped working for some reason, I would not hesitate for a second pay for a subscription. Could you build an excel spreadsheet that does the same thing ? I guess so, but it would never be as easy to use as the app and I don't have days to lose trying to figure out how to program anything remotely like this in Excel. Anyways I have no idea if the book is worh it, but their service definitely is.
Member
Aug 26, 2019
419 posts
518 upvotes
Guelph-Kitchener-Wat…
#1 tip on how to save money: have no friends.

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