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- #YNAB BUDGETING SAME AMOUT EVERY MOTH HOW TO#
- #YNAB BUDGETING SAME AMOUT EVERY MOTH TRIAL#
- #YNAB BUDGETING SAME AMOUT EVERY MOTH DOWNLOAD#
You can link right to your bank and it will automatically import OR you can download a QFX file from your bank and drag it right into YNAB and import. When your transactions are imported, they match up right in the app so you can make sure you don’t miss a thing and you aren’t recording duplicates. These transactions import once they clear in your bank, however, you should still record your spending in the app. Direct Importĭirect import will help you make sure that you can track all of your transactions using YNAB. Keep in mind there are a lot of other features they offer as well, these are just the ones I use the most! 1. 6 of My Favorite YNAB Featuresįor this YNAB review, I want to tell you about my favorite features that YNAB offers.
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That means that everything you earn THIS MONTH will be used to pay your expenses the following month! Sounds awesome, doesn’t it? YNAB will not only help you work toward being a month ahead of your expenses, but it will also help you with your savings goals. What this means is that eventually, you’ll get to the point where your money is “30 days old”.
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(More on that below) Rule 4: Age your money Using YNAB you can easily move money to where you need it by making your budget more flexible. If this ever occurs, just change it! Don’t hold on to guilt or feel bad about the fact that you overspent in a category, but adjust to make your budget work. This might sound like an odd rule, but what it means is that you may need to change your budget down the road. You can create goals (more on that below) and YNAB will tell you how much you need to budget each month in order to reach your goal. While you want to focus on the expenses that require your immediate attention such as bills, gas, and groceries, Rule 2 helps you focus on saving for those non-monthly bills… like Christmas, vacation, annual insurance premium, and so on. In YNAB, you’ll be able to see how much money you have to budget and assign them to a specific category. In order to be intentional with your money, and where you want it to go, you have to determine what you want to do with the money you get. Rule 1 focuses on the concept of only budgeting the money you have.
#YNAB BUDGETING SAME AMOUT EVERY MOTH HOW TO#
Here is a brief overview of the four rules (they have a free workshop you can attend online to go into more depth and learn how to do this within YNAB). YNAB is built on the premise of four rules and using it will help you follow these rules and break poor spending habits. Setting up the budget is easy too… simply enter in your income for the month, create your budget based on what you want to spend or save, and then let YNAB help you with the rest! YNAB is based on the premise of zero-based budgeting… just like Dave Ramsey says, “ If you don’t tell your money where to go, it will leave.” So in YNAB, you give EVERY DOLLAR a job! When each dollar has a place to go, you won’t spend more than what you have.
#YNAB BUDGETING SAME AMOUT EVERY MOTH TRIAL#
PS: I have a special link that will get you a FREE 34 day trial for YNAB. To me, it’s like the cash envelope system… in digital form! Today in my YNAB review I’ll share WHY it works, HOW it works, and I’ll highlight some of my favorite features! However, when I discovered YNAB, I immediately fell in love. I’ve also tried Mint but didn’t like the budgeting feature and their interface is clunky in my opinion. Years ago I used Quicken, but found that all it did was track my money… budgeting with Quicken was NOT effective. Now before we get started, yes, I realize there are hundreds of different kinds of budgeting apps and spreadsheets available for cheap or free, but you’ll be hard pressed to find a budgeting app that does more than just create a budget.
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Are you tired of living paycheck to paycheck? Are you READY to finally get out of debt? OR maybe you are committed to really start saving more money? If you answered YES! – I’m excited to share my You Need a Budget review with you to show you how it can help you accomplish all of the goals above (and more)! I’ve been using it since 2010 and LOVE IT!