I have a confession to make. Yesterday, when I paid my credit card bill, I realized that my balance on my YNAB spreadsheet didn’t quite make sense. After some quick math, it was clear that I had forgotten to enter a few transactions. I hadn’t been reconciling YNAB with my credit card [...]
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As I am sure you’ve read across the blogosphere, a lot of people who are working their way out of debt or have worked their way out of debt have chosen to not use credit cards at all. Some still use debit cards, others have gone to a cash-only plan (though I assume there [...] I freely admit that I am a gadget geek. I am lost without my iPod, and I’m literally lost without my GPS (I have the world’s worst sense of direction). I have gadgets that I wear when I run and gadgets that I use when I cook. The minute my computer starts [...] My budget is all out of whack this month. I just didn’t do a good job of predicting my spending categories. I’m still using (and still loving) YNAB, and when I budget for the upcoming month, in many categories, I frequently use the same budget numbers without giving real thought to what’s going on that [...] One thing I’ve noticed since getting into the world of personal finance and carefully tracking my expense categories is that I’m much less likely to make impulse purchases. It used to be that I would see something that I wanted and know that I could afford it so I would just buy it without another [...] |
 
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