YNAB is my preferred budget method. I've talked about it plenty of times, and I hope some of you have checked it out. I've been using YNAB since it was an Excel spreadsheet. Now that it's a full application, with a mobile app to go along with it, I love it even more. But it's not about the program. It's about the method. YNAB has four rules that you are supposed to live by. 1. Give Every Dollar a Job 2. Save for a Rainy … [Read more...]
Budget Update
I've been pretty open about the fact that my budgeting has gone off the rails. I'm overspending. There's no question about that. And it's easy to blame it on the big things, like the triathlon bike I just purchased and all the accoutrements that go along with it. But that wasn't the problem. I had the money set aside in my savings for that bike. The problem is in all of the other categories. I'm making it a goal in August to not eat out … [Read more...]
New Month, New Budget
Ahh, new budget day. The day when all of my budget categories are empty and all the money is just sitting there, waiting to be put to use. It's a beautiful day. Okay, so maybe it's not that beautiful. All these years later, I'm still using the YNAB method of budgeting. Give every dollar a job and only spend last month's income. It's a great way to budget and always ensures that I have the money in my accounts when bills come due. Do I … [Read more...]
Vacation Planning with YNAB
You've heard me talk about YNAB plenty of times. YNAB is also known as You Need A Budget, an awesome budgeting program. While I use the YNAB application, the important thing is the method. Give Every Dollar a Job Save for a Rainy Day Roll With the Punches Live on Last Month's Income Seems easy, right? Well, I'll admit, step 4 scares people. But trust me, you'll get there. Over the next few months, I'm going to talk about how … [Read more...]
YNAB 4 – What I Love but BETTER
I've been playing with the new version of YNAB, YNAB 4. For those of you who don't know, YNAB is You Need a Budget, my favorite budgeting program. I started out using it in spreadsheet form, now I use their program. I love it. Love love love. The basics behind YNAB are simple - live off of last month's income and give each dollar a job. By living off of last month's income, you're never sitting and waiting for a payment to clear so you … [Read more...]