Hello, whinabbers. My name is Jesse Meekham and this is podcast number 153 for you need a budget. Where we teach you four rules to help you stop living paycheck to paycheck, get out of

debt and save more money. Happy New Year to you. At this very moment, loads and loads and

loads of people are sitting on Wineab's site, you need a budget.com for

anyone that's new.

And they're reading about our four rules.

They're reading about rule one, where we give every dollar a job.

Rule two where we save for any day for those larger, less frequent expenses.

We break them up into monthly chunks, even out that

cash flow, get better information because we're now staring at our true expenses

and operate accordingly. Rule 3 where we roll with the punches, you change your budget. You make

half-time adjustments if you're a sports person. And number 4, you learn to live on last

month's income. you break the paycheck to

paycheck cycle you start being able to pay your bills by just pan them no

timing paychecks to bills and things like that no stressing when a a bill arrives, setting up lots of bills on

auto pay because why wouldn't you? All of those things combined, all those rules combined,

help you to get out of debt and save the money we always

talk about at the beginning of every show and break that paycheck to paycheck cycle which frankly

is a big drag. So do that, follow those four rules.

Today I just wanted to offer a smidget of insight into Rule 1

and how really the entire WINAB method is just rule one. You think about it, it's just a matter of

prioritizing. And when you take your checking account balance, whatever it has in it and you ask yourself

what does this money need to do before it's paid again you're prioritizing you're

...