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The YOLO Budget

Cover of The YOLO Budget

The YOLO Budget

The Ultimate Guide to Saving More, Spending Less, and Living a Wealthy and Purposeful Life
Get your finances in order with smart budgeting and money mindfulness

You Only Live Once is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about why. Where do you see yourself financially in ten years? Five years? This time next year? What does money do for you? Once you know your destination, you can begin charting your course. Step-by-step guidance walks you through the budgeting process, and shows you how to plan your financial path to point toward your goals. You'll learn how to prioritize spending, how to save efficiently, and how to take advantage of simple tools you didn't know you had. Next comes the most important part: taking control. You need to really look at how you perceive and use money day-to-day. Chances are, changing a few habits could give you some breathing room and help you reach your goals sooner. 

You work hard for your money, yet there never seems to be enough. You don't need to live like a pauper, but you need to be truly aware of just where your money is going, and why. Financial awareness is the key to a financially secure future, and this book unpacks it all to help you get where you want to go.

  • Accept past decisions and articulate your financial goals
  • Align your lifestyle with your budget
  • Explore your relationship with money
  • Re-evaluate financial habits and behaviors
  • You know you need a budget, but you never seem to get around to doing it. Or maybe you did, but you can never seem to stick to it. Smart planning is a major factor in financial security, and it involves just as much introspection as math. You Only Live Once is more than a budgeting guide—it's a guide to revamping your financial behaviors to achieve the life you want.

    Get your finances in order with smart budgeting and money mindfulness

    You Only Live Once is the guide to achieving your best life through smart money moves. Before you even begin making a budget, you need to think about why. Where do you see yourself financially in ten years? Five years? This time next year? What does money do for you? Once you know your destination, you can begin charting your course. Step-by-step guidance walks you through the budgeting process, and shows you how to plan your financial path to point toward your goals. You'll learn how to prioritize spending, how to save efficiently, and how to take advantage of simple tools you didn't know you had. Next comes the most important part: taking control. You need to really look at how you perceive and use money day-to-day. Chances are, changing a few habits could give you some breathing room and help you reach your goals sooner. 

    You work hard for your money, yet there never seems to be enough. You don't need to live like a pauper, but you need to be truly aware of just where your money is going, and why. Financial awareness is the key to a financially secure future, and this book unpacks it all to help you get where you want to go.

  • Accept past decisions and articulate your financial goals
  • Align your lifestyle with your budget
  • Explore your relationship with money
  • Re-evaluate financial habits and behaviors
  • You know you need a budget, but you never seem to get around to doing it. Or maybe you did, but you can never seem to stick to it. Smart planning is a major factor in financial security, and it involves just as much introspection as math. You Only Live Once is more than a budgeting guide—it's a guide to revamping your financial behaviors to achieve the life you want.

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    About the Author-
    • JASON VITUG is the founder of Phroogal, a financial education start-up and lifestyle brand empowering millennials to live their dream lifestyles through financial knowledge. He is the promoter of the Smile Lifestyle movement, based on a belief that experiential and purposeful living can be achieved through informed financial decision making.

    Table of Contents-
    • Preface ix

      Acknowledgments xv

      About the Author xix

      Introduction 1

      Part I On the Road to Financial Wellness 5

      Chapter 1 Are You Living YOLO? 7

      The Millennial Experience 7

      The YOLO Mindset 8

      Chapter 2 Financial Education and Living Your Dream Lifestyle 11

      What Is Financial Education? 13

      The ACT Process 14

      Part II Awareness 15

      Chapter 3 Know Where You're Starting From 17

      Your Money Mindset 18

      What Is Your Relationship with Money? 19

      How Is Your Spending Contributing to Your Life? 20

      How Are You Using Your Time? 22

      Cultivate a Wealthy Money Mindset 23

      Chapter 4 Know Where You Want to Go 31

      Clarify Your Values 32

      Have a Vision for Your Life 35

      Follow a Money Philosophy 38

      Chapter 5 Getting What You Want 41

      Change Your Financial Behaviors and Habits 41

      The Habit of Spending 42

      The Habit of Saving 43

      Get in the Know 45

      Part III Creating a Plan 63

      Chapter 6 Building a Lifestyle Budget and Spending Plan 67

      Dealing with Your Fear of Lifestyle Change 70

      Living the YOLO Lifestyle 74

      The YOLO Budget 77

      Chapter 7 Using the Purposeful Money Strategy to Spend and Save 97

      Dual Checking Accounts Method 98

      The Purposeful Savings Method 101

      Chapter 8 Improving Credit Use and Eliminating Debt Forever 111

      Credit Card Debt 115

      Using the Debt Avalanche Method 117

      Using the Debt Snowball Method 118

      Part IV Taking Control 121

      Chapter 9 Creating a Purposeful Life 123

      Finding Happiness 124

      Increasing Your Awareness 126

      Organizing Your Finances 128

      Managing Your Time 130

      Having Better Conversations 132

      Improving Financial Relationships 134

      Chapter 10 Spending Rules 137

      Spending Mindfully 138

      Spend Less Than You Earn 139

      Pay Less for Every Purchase 139

      Spend on Loves, Not Likes 140

      Use Credit Purposefully 142

      Chapter 11 Living Mindfully 145

      Building Your Freedom Fund 146

      Don't Quit Your Job 148

      Traveling the World 151

      Lending Money to Family and Friends 152

      Making Money with Money: Investing 153

      Protecting Your Legacy: Insurance 155

      Finding an Expert 156

      Conclusion 159

      Index 161

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      Wiley
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    The Ultimate Guide to Saving More, Spending Less, and Living a Wealthy and Purposeful Life
    Jason Vitug
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