I'm 61 years old and am financially speaking, I'm an idiot.
Don't get me wrong, I own a really nice house (me & the bank) and I have a respectable amount in my 401K. If I had found YNAB 20 years ago I think I'd be in much better shape, probably would have my house paid off and no debt.
Ynab is budgeting software, stands for "You Need A Budget". A friend of mine suggested I try it out and it has really changed my financial life for the better.
As a person with spreadsheet-itis, I've done budgeting countless times. Here's what's coming in this month, here's whats going out. Done! Except that things change and **** happens and it's not valid for every month.
YNAB's theory is that you only budget the amount of money you have right now and you give every dollar a job. Then when things change its super easy to move money from a less needed category to cover what you just had to spend.
Now I'm never broke, but I can be YNAB broke, which is a much more comfortable broke to be, because I know the important things are covered.
I put all my bills on autopay for the first time in my long and financially stupid life.
Feels SO good. All thanks to YNAB.
Highly recommend it.
Don't get me wrong, I own a really nice house (me & the bank) and I have a respectable amount in my 401K. If I had found YNAB 20 years ago I think I'd be in much better shape, probably would have my house paid off and no debt.
Ynab is budgeting software, stands for "You Need A Budget". A friend of mine suggested I try it out and it has really changed my financial life for the better.
As a person with spreadsheet-itis, I've done budgeting countless times. Here's what's coming in this month, here's whats going out. Done! Except that things change and **** happens and it's not valid for every month.
YNAB's theory is that you only budget the amount of money you have right now and you give every dollar a job. Then when things change its super easy to move money from a less needed category to cover what you just had to spend.
Now I'm never broke, but I can be YNAB broke, which is a much more comfortable broke to be, because I know the important things are covered.
I put all my bills on autopay for the first time in my long and financially stupid life.
Feels SO good. All thanks to YNAB.
Highly recommend it.
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