What are criterias of the best budgeting audiobook? It is not easy to find the answer. We spent many hours to analyst top 8 budgeting audiobook and find the best one for you. Let’s find more detail below.
Best budgeting audiobook
![La Trinidad Divina De Las Finanzas Personales Presupuestar, Ahorrar E Invertir Vol.2 [The Divine Trinity of Personal Finance Budgeting, Saving, and Investing Vol. 2]](https://images-na.ssl-images-amazon.com/images/I/51lBb%2BSvExL.jpg)
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Best budgeting audiobook reviews
1. You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
Description
For most people, budgeting conjures up the same feelings as, say, prison and dieting. But your initial instinct couldn't be further from the truth. You just haven't budgeted the right way.
You Need a Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. A liberating, enabling, empowering budget will actually make you feel more free, not more restricted. The YNAB philosophy is centered around these four rules:
- Give every dollar a job. Take your cash, checking, and saving accounts and assign jobs to that money. Begin now with what you have on hand. Then follow your plan. Pick your priorities, and make sure your dollars are helping you move closer to the things you care about most.
- Embrace your true expenses. Look ahead and identify the larger, less frequent expenses that tend to sneak up on you. Break those expenses into manageable monthly amounts. Consider insurance premiums, birthdays, holidays, charitable giving, car repairs, etc. This practice evens out your cash outflows, decreases your stress, and helps you make better decisions.
- Roll with the punches. Accept the fact that life always changes and you'll likely always go over budget somewhere. If an unexpected expense comes up and you need to change your budget, just change it. The YNAB philosophy not only tolerates changing your budget but encourages it.
- Age your money. The goal of this rule is to increase the time between the moment you earn money and the moment you spend that money. In other words, if you're going to break the paycheck-to-paycheck cycle, you need to learn to live on money you earned a month or two months or even three months ago.
YNAB's four rules are the pillars of a tried-and-true system that gets you to engage with your money every day. It helps you change your behavior so that you're proactive and in control of your finances. It's not about stressing over last month's statement; instead, you're looking ahead and actively deciding how you want and need to build a life of meaning, not stress.
2. Money Management & Financial Budgeting: 2 Books in 1: A Beginners Guide on Managing Bad Credit, Debt, Savings and Personal Finance
Description
Money Management: Turn Bad Credit into Good Credit:
It seems that everywhere you turn, someone wants to know your credit score. It doesn't matter if this is you or someone from your bank. Many landlords will even run a potential renter's credit as this will usually give them insight as to whether the person will pay their rent. The landlords will also have guidelines to use in order to tell you if you are approved or not approved based on your credit score. While some may allow you to have a cosigner if you are not approved, they will also want to run your co-signer's credit report.
This is often frustrating to many people, especially when you are trying to repair your credit. It can make you feel that you are never given a break or that your identity is now your bad credit.
It doesn't have to be this way. In fact, the more you learn about the details of what bad credit is and how there are federal laws to help you overcome bad credit, the faster you will find yourself in financial freedom.
Your credit score is vital to your life. It is something that helps you to enjoy life as you have added access to financial services and various investments. You must understand how your score can directly influence what you can purchase so that you can enjoy your life.
The problems you have with your credit score can be very dramatic, and you might not be fully aware of what affects your credit score or how valuable it is to you.
Those people who pay off their debts and lines of credit with on-time payments will be more likely to have better credit ratings. There are many things relating to your credit score that should be explored that go well beyond just your payment history.
Financial Budgeting:
Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again. Refrain and continue saving and investing your money.
Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next year's principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.
Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment.
Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that's how we often find ourselves overspending.
To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10 percent of your income. A safety net is essential for your peace of mind.
Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don't view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.
3. La Trinidad Divina De Las Finanzas Personales Presupuestar, Ahorrar E Invertir Vol.2 [The Divine Trinity of Personal Finance Budgeting, Saving, and Investing Vol. 2]
Description
Este libro es la segunda parte del exitoso libro La Trinidad Divina de las Finanzas Personales, sigue leyendo esta espectacular libro y sigue aprendiendo nueva informacin sobre Finanzas Personales, no lo dudes ms y aprende a emprender.
Please note: This audiobook is in Spanish.
4. Retire Early - 2 in 1: Learn How to Generate Multiple Streams of Income Using Side Hustles While Budgeting and Investing
Description
Take the guesswork out of creating multiple streams of passive income and discover powerful ways to safeguard your wealth and escape the 9-5.
Having one stream of income in the past tied to a single job was the norm in the past, but in our volatile, fast-moving world of today, it's actually a terrible idea.
If you want to learn how to augment your main income with a side hustle that may end up replacing your job, but don't know where to begin, then this guide is for you.
In the Retire Early bundle, you're going to discover everything you need to get started making a full-time living with side hustles. It contains the following books:
- Side Hustle: Retire Early with Multiple Streams Of Passive Income - Make Money With Dropshipping, Amazon FBA, Shopify, Affiliate Marketing, Laundromat, Youtube, Airbnb, Blogging, Etc.
- Budget and Invest to Financial Freedom: A Guide to Budgeting, Credit Card Churning, Risk-Free Investment, Low-Risk Investment, Being a Minimalist, Stocks, Bonds and Real Estate
Here's what you're going to discover in this special bundle:
- Everything you need to set up a profitable side hustle in as little time as possible
- 19 of the profit-churning business models that are perfect as a side hustle
- How to choose the perfect side hustle for your unique situation and needs
- 10 tips to help you plan your way to financial freedom
- 9 powerful ways to invest your savings for maximum returns
- Step-by-step instructions to draft a budget plan and minimize surprise spending
- ...and tons more!
Even if you've tried in the past to boost your income and take control of your finances without much success, this bundle will get you started on your journey to a life of abundance and financial freedom.
Scroll up and click the "add to cart" button to buy now!
5. The 21-Day Budgeting Challenge: Learn Key Strategies to Set Up a Budget, Make the Most of Your Money
Description
Are you tired of having your money seemingly disappear from your pocket? Of fighting debt? Of having the feeling that no matter how much you work, you'll never have enough money to buy what you really want?
Are you ready to take action, to take responsibility over your earnings and expenses with a simple, yet smart and efficient budget plan and finally accomplish your financial goals?
Maybe you're thinking that the only thing worse than budgeting is listening to a book about budgeting. And you may be right. But with this book, my hope is that I can change your mind. My hope is that by following this challenge, you will feel more in control of your spending habits, have clearer and more meaningful financial goals and, most importantly, have a little fun while doing it!
In this book, we'll look at ways to uncover your own personal psychology behind money, as well as practical methods to make and reach finance goals. From saving pennies here and there by cutting out mindless spending to rethinking your approach to saving entirely, we'll tackle your money issues the simple way: day by day. We'll consider realistic ways to save money, but also look in-depth at what it really means to live a minimalist life and what the true value of the items in our lives actually is.
The 21-Day Budgeting Challenge will help you to:
- Identify your "money personality"
- Set up a realistic budget that works for you
- Get out of debt
- Understand minimalism and how it compares to consumerism
- Incorporate practical and fun tips to save money you might not have thought of before
- And much more!
6. The Budgeting Habit: How to Make a Budget and Stick to It!: Develop Good Habits, Book 2
Description
Struggling with your finances? Buried in credit card debt? Want a simple way to make a budget and stick with it?
Imagine what it would feel like to master your budget and not be in debt. All the money you currently pay to credit card companies can now be spent fixing up the house, taking a vacation, or investing in your retirement fund. You celebrate the holidays without dreading the credit card bill that is sure to arrive in January. The truth is all of this is possible when you master the budgeting habit.
The problem? Most people struggle with their budget because they think things like:
- Budgets are restrictive
- You can't have any fun if you're on a budget
- I'm not about to give up my freedom
- It's so hard to be on a budget
The solution is to reframe your thinking by implementing a simple, step-by-step process that will help you master budgeting. And that's what you'll learn in The Budgeting Habit: How to Make a Budget and Stick to It!.
You will discover:
- The first steps to creating a realistic budget and what to do if you have more expenses than income
- Five budgeting approaches and how to determine which one is right for you
- How to stay motivated and stick with your budget when you'd rather quit
- Simple (and realistic) financial goals that will help you acheive your financial dreams
- The trick for turning financial goals into simple daily habits
- How to create an "budgeting success environment" to overcome any obstacle that you might encounter
- Three accountability methods to keep you on track with your budget
- How to speed up the process of getting out of debt, saving for a home, or investing more in your retirement fund.
Financial freedom isn't just for rich people. It's for ordinary people like me - and you. And it all starts, with a simple tool known as a budget.
Would you like to know more? Download The Budgeting Habit today to start climbing out your financial hole and walk in the light of financial freedom.
7. Financial Budgeting: Learn How to Manage Your Money, Spending, Savings, Credit Card Debt and Strategies to Increase Your Wealth
Description
Everyone has an opportunity to grow their money and get out of debt, but you must start to make this a reality. Be warned, though, when your income starts to grow, it is easy to fall into temptation and start spending more than you are earning again.
Refrain and continue saving and investing your money.
Every small step counts. Every coin kept and invested counts. If you use the profit you make, you will be unable to grow your wealth. Instead, allow your investment to grow by using the profits as part of the next years principal. With time, you will have a venture that can not only buy you whatever you want but one that will continue to grow over the years.
Taking advice from experts in the field you wish to invest is critical to your investment. Would you go to a farmer when you are sick, or would you seek out a doctor? The same way, take your investment knowledge from those who understand the market dynamics and can offer you advice to help grow your investment.
Manage your credit cards with responsibility, or they will sink you into a hole. The easiest way to get into debt is to spend more than you earn. You need to keep your expenses lower than your income at all times. Watch your credit card spending because that's how we often find ourselves overspending.
To get out of debt is to pay. The longer it takes you to pay, the higher the interest rate you will be required to pay. Either consolidate your debt or tackle one debt at a time. You might want to reduce your expenses, so you have more money to spread around. Always start by saving 10 percent of your income. A safety net is essential for your peace of mind.
Budgeting does not have to be complicated. The more you simplify it, the better. As long as you track your expenses and stick to your budget, it will work for you. Ensure that you don't view it as a task but as a necessary tool to help you stay ahead, get a real financial picture, and manage your money correctly.
Each section in this audiobook holds nuggets that will be valuable to you and those around you. Listen to this audiobook and re-listen to it. Practice the tips outlined and stay focused and disciplined. Write your financial goal and stick it where you can see it every day, and it will motivate you to keep working on your plan and to achieve your goal.
8. Company-Wide Agility with Beyond Budgeting, Open Space & Sociocracy: Survive & Thrive on Disruption
Description
Today, companies are expected to be flexible and both rapidly responsive and resilient to change, which basically asks them to be agile. Lack of an overarching theory about how to expand the "Agile Manifesto" has led to many fragmented attempts to apply Agile company-wide. Enjoy insights in the book shared by Jez Humble, Diana Larsen, James Shore, Johanna Rothman, and Bjarte Bogsnes. Find out what Spotify, ING, Ericsson, and Walmart say in the book. Notice, how they emphasize that doing Agile (the mechanics) is different from being agile (the mindset). The mindset lets you apply flexible Agile patterns not only for software development teams but for the whole company.
Many experts are looking into implementing company-wide Agility. Yet, they work from one perspective. For example:
- A Beyond Budgeting expert might say, "Stop fixing the budget annually, because otherwise, you won't have the flexibility to react to frequent market changes."
- An Open Space expert might say, "You need to make space for what you don't know and can't control, for totally new things to emerge. If people can follow their passion, you will be able to implement company-wide Agility, otherwise people will just do what they are asked."
- A Sociocracy expert might say, "You first need to resolve the power structure, because as long as you have a hierarchy defined as top-down you will not become agile."
- An Agile expert might say, "You need to start inspecting and adapting by using regular retrospectives in order to react flexibly, otherwise you will neither be able to learn from the market nor from within your company."
All of these perspectives are true, but the perspective is always from within the discipline. Our new perspective synthesizes these approaches and invites you to take a new, overview perspective that can truly address the challenges of doing business in a volatile, uncertain, complex, and ambiguous world.
