![]() ![]() YNAB has its own budgeting paradigm and language that take some getting used to. This is what creates surplus and has gotten countless people out of debt). as much as one can, of course) 4) Age your money (that is, discipline your spending so that you have a much money as possible to fund the next month BEFORE it arrives. When an unexpected expense occurs, pull from other budget items to cover for it, rather than increase debt, etc. YNAB works amazing if you follow the Four Rules: 1) Give every dollar a job (this eliminates casual and unconscious spending habits) 2) Embrace your true expenses (this sets the user up to always meet the essential needs, short- and long-term e.g., no more expenses for which the money isn't available) 3) Roll with the punches (Life happens. YNAB, as it's called, provides a strong, clear structure to support the user in being budget conscious, practical and effective. ![]() YNAB has helped me so much that I have applied to take the YNAB coach training to share the joy and empowerment with others. There are also bloggers/vloggers with good content. YNAB offers excellent, detailed help on its web site and in its YouTube channel. It's the price we pay to keep ne'er-do-wells out of our financial accounts.Ĭommenti: It is literally life changing, and you can find remarkable, uplifting stories at their web site, in Facebook groups, YouTube and elsewhere. The downside is my accounts don't always sync right, or I have to verify (over and over) that I am who I say I am, or I have to delete the account completely from my YNAB and add it back in. The upside is that it is less likely cybercriminals get into my accounts. I know this isn't all YNAB's fault.financial institutions have a lot of reasons to be conscious about the security measures they have in place, and rightly so. Syncing my bank and credit card accounts does not always work the way I expect. It complex enough and with enough features that it can basically do everything that I want it to do, while also being simple enough that I will actually use it. I have used it to manage my personal finances and stay on budget. Long enough that I don't remember precisely when I started, but probably around 10 years. I've been using YNAB for a long time now. It might be different if I were running a larger company, but at my current level YNAB is the better option. It seems like Quickbooks is feature-rich, and can do a lot of things that accountants like. I currently use Quickbooks to keep things organized for my CPA when tax time arrives, but I find YNAB so much more intuitive and easily customizable. After using YNAB for around a decade for my personal finances, I've also started using it for my business finances as a solopreneur. I never know with 100% certainty how much I'll spend in a given month, but the YNAB framework helps me roll with the punches. YNAB helped to give me the right system/mental framework to be successful. The problem was I had the wrong system in place. I would set spending goals and limits, and when I didn't stay in my budget I cursed myself for not being disciplined enough. My success with budgets prior to YNAB was pretty abysmal because I didn't have the right mindset in place. Commenti: YNAB has a simple philosophy around money that says to give every dollar a job (whether that is to pay your mortgage, groceries, save for a rainy day, or buy something fun), live on last month's income, and roll with the punches. ![]()
0 Comments
Leave a Reply. |
AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |