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How To Choose A Budgeting Strategy
2023-08-17 11:00
After years of living in Los Angeles—land of opportunity and sticker shock—my budgeting strategy of hiding from my bank account wasn’t working. I over-prioritized my love f… Read More
What Is A Fixed Expense?
2023-07-13 11:00
 Ah, fixed expenses. They’re like old friends. They’re reliable, predictable—you can always count on them to be there. Expensive friends, a lot of the time. Friends yo… Read More
How To Budget For Periodic Expenses
2023-06-28 11:00
When you’re filled with the optimism of a shiny new plan—the thing that’s surely going to help you get your life together once and for all—budgeting seems like a fair… Read More
How To Use YNAB Focused Views
2023-06-26 11:00
Your budget is a beautiful thing—all of your passions and priorities lined up in front of you, prepared to do exactly what you tell them to do in support of the life you want to live… Read More
How To Manage Money Wisely
2023-06-22 11:00
Sometimes it can seem like certain people just understand money. They have good credit. They have retirement savings. They (appear to) make smart decisions about spending and investing witho… Read More
How Family Histories Strained Our Finances
2023-06-19 16:46
In the late-1920s, Lithuania was an increasingly difficult place to live for Jewish families like my wife’s great-grandparents. They had built a stable life near the border of Germany… Read More
2023-06-07 16:36
School’s out, and the hunt for the perfect summer job is on for teens! As a parent, you want your pride and joy to not only make some extra money, but also gain valuable life skills. T… Read More
2023-05-08 07:00
I think the tears started when I asked “Ok, how many dollars a month is travel important to you?”. I was sitting on my living room couch next to my mom helping her get he… Read More
2023-05-04 07:00
Moms have a lot of rules: Don’t run with scissors, eat dinner before dessert, no screaming at your brother, be home before curfew. There is a seemingly endless list of mom-enforced… Read More
What Is A Sinking Fund & How To Set One Up
2023-04-11 19:50
What is a Sinking Fund? A sinking fund is a fixed amount of money you save each month to prepare for a non-monthly expense like car repairs, home maintenance, or a twice-a-year insurance… Read More
2023-03-27 22:19
Looking for tips about how to save money on Amazon? The answer may surprise you (but probably not.) Over the summer, I stumbled into my fiancé’s Amazon Prime account to watc… Read More
How To Pay Off Debt Fast: 12 Ideas
2023-03-15 16:30
Trying to figure out how to pay off debt fast? Good for you. Once you commit—like, really commit—to tackling your debt, you might find that you get a little bit obsessed (in the… Read More
2023-02-08 22:01
Article preview: Most people want to relax on vacation but spending stress tends to dampen the moodUsing the the Four Rules to plan your vacation budget results in less money stress … Read More
2023-01-25 15:52
If you’re trying to figure out how to budget with irregular income, we’ve got the solution for you. We can’t change the fact that you don’t know exactly when or ho… Read More
2023-01-06 11:00
I always think that I won’t like a daily routine. Don’t hold me back, Routine! Stop trying to tie me down, Routine! I’m sorry, Routine, I just want to keep my options op… Read More
10 Ways To Get A Month Ahead On Bills
2023-01-04 17:38
Learn how to get a month ahead with your bills and budget for less stress, and you’ll never have to worry about late fees or overdrafting. We’ve got some ideas to get you started… Read More
2022-12-27 14:18
Everyone deals with excess spending a little differently: some of us opt for an intense all-out sprint approach to financial health while others plod on with slow, steady consistency like hi… Read More
Best Budgeting App For Couples
2022-12-26 14:56
Healthy relationships are built upon a foundation of good communication, mutual respect, and a shared desire to achieve life’s goals together.  (And other important stuff, like… Read More
2022-12-15 04:27
This fall, my wife and I dropped our only child off at college. I knew it was going to be a tough adjustment for me. So I did what any gadget- and music-obsessed dad would do: I bought a pia… Read More
2022-12-13 11:00
Have you ever been in the middle of making a purchase that you knew you could only kind of afford? Like those maternity jeans that would be so comfortable for work. Or those last minute airl… Read More
Hiding Gifts When Sharing A Budget
2022-12-06 17:00
You finally found the perfect gift for your partner. You’ve snuck it through the door under your jacket and tucked it away safely in your underwear drawer. They’ll never find it… Read More
YNAB: The Best Mvelopes Alternative
2022-12-05 17:39
Almost anyone with an established budgeting habit would tell you that their budget is more than an app or an Excel spreadsheet. Budgeting is a routine, a practice, a plan for the future, a r… Read More
2022-11-29 16:54
Ah, this is 30, where my goals for the foreseeable future are 1) start wearing my retainers again and 2) find ways to make my money last so I can finally start saving up to buy a home. When… Read More
My Top 3 Personal Budgeting Challenges
2022-11-03 11:00
Personal budgeting challenges? Yeah, I’ve had a few–quite a few. I actually wonder if many people “succeed” with budgeting on their first attempt. It took years from… Read More
Managing Your Retirement Budget With YNAB
2022-10-20 13:19
So, you’re living the dream. Through hard work, diligent saving, and solid financial planning, you’ve reached the long term financial goal that so many strive to achieve: the gol… Read More
2022-10-18 11:00
What does it mean to live within your means? Living within your means is when you are making more money than you are spending. Creating a monthly budget and sticking to a spending plan can h… Read More
How To Buy What You Want
2022-09-27 11:00
“Good things come to those who wait.” Ugh. Yeah. No one wants to hear it. So cliché. So annoying. And, unfortunately (because waiting is boring!), so true.  When i… Read More
2022-09-13 11:00
As a person who needs a clear written-out plan, *raised hand emoji* I love using YNAB to track my personal finance and investing goals. Every year on my birthday in July, I sit down and writ… Read More
2022-09-08 11:10
Ernie, a teacher here at YNAB, and his wife Christy, a post-adoption coordinator, live in Eau Claire, WI. While they’ve never felt overly burdened by the amount of their debts, they&rs&hell…Read More
2022-09-07 11:00
Here at YNAB, we believe all budgets are beautiful. Because of course we do—we’re all about budgeting. However, objectively speaking, there’s a reason budgets aren’t… Read More
7 Lessons From 10 Years Of YNAB
2022-09-05 11:00
I’m coming up on my 10th anniversary of using YNAB and wanted to sum up a few things I’ve learned and what YNAB has done for me over the past decade. YNAB has helped me achiev… Read More
Academic New Year Resolutions
2022-09-01 11:00
Oh, you didn’t know academic new year resolutions were a thing?  Well…they might be? They should be. New Year’s resolutions were kind of a bust this go-around, if… Read More
2022-08-25 15:15
Do you find yourself asking, “why can’t I save money?” Or looking for some simple ways to do it? You’re not alone. Saving money—by its very nature—is a… Read More
2022-08-22 13:12
A friend recently forwarded me a post that appeared on Toss Your Budget – Why a pillar of personal finance isn’t nearly as essential as we think. The essence of the… Read More
The Best Back To School Tips And Advice
2022-08-11 11:00
By the time August rolls around, parents are divided into two clear camps: Team Send ‘Em Back Already! and Team I Wish Summer Was Forever.  There’s also an overlap of par… Read More
Learn To Earn With Printable Chore Chart
2022-07-27 14:12
Download our free printable chore chart and budget workbook for kids below! Having your kids do chores can be a lot like hiring Amelia Bedelia but with a bad attitude—at best, it ca… Read More
2022-07-25 11:00
A zero-based budget is a method of budgeting where you assign all of your money to budget categories that cover expenses, debt payments, and savings. Rule One of the YNAB method, Give Every… Read More
2022-07-20 11:00
If you’re trying to decide which side to take in the 401k vs Roth IRA investment vehicle battle, we’ve got some advice. Take your ringside seats and LET’S GET READY TO RUMB… Read More
7 Tips For Road Tripping On A Budget
2022-07-12 11:00
Summer spells freedom! Drop tops. Flip flops. Board shorts. Most importantly, road trips!  International travel restrictions and flight mishaps have brought one reality to the su… Read More
2022-07-11 11:00
There are three basic questions when it comes to credit: What is a good credit score? Why do I need one? And how do I get one? It’s no secret that we don’t love debt here at YNAB… Read More
2022-07-04 11:00
It’s 4th of July and you know what that means! A long weekend, family barbecues, patriotic color palettes for clothing, and everyone’s (except for dogs) favorite: fireworks… Read More
How Many YNAB Categories Should I Have?
2022-06-27 07:00
How many YNAB categories should I have? 12, 24, 158? This is a question we’ve been getting since the dawn of time—err, well, since the dawn of You Need a Budget in 2004. … Read More
2022-06-23 11:52
AfterPay, Apple Pay Later, Sezzle, Zip, Klarna, Affirm, Paypal’s Pay in 4…the list of companies advertising four easy, no-interest payments continues to grow. But how does After… Read More
2022-06-21 11:32
Although a lot of people think of budgeting as restrictive, those of us “in the know” (that makes us sound so much cooler, don’t you think?) understand that keeping a budge… Read More
Introducing Financial Wellness By YNAB
2022-06-21 06:57
You’ve probably heard of “The Great Resignation.” For you, it might not just be a buzzword. Maybe you’re a business owner struggling to find talent, an HR professiona… Read More
10 Creative Ways To Save Money
2022-06-15 11:00
With the price of—well, seemingly everything—rising these days, it’s a great time to hone your creative saving skills. While it’s easy to make a half-hearted decision… Read More
How To Save For A Vacation
2022-06-14 07:00
So you’re dreaming of your next vacation: a cozy cabin getaway, or a wide-open sandy beach: something to just get you away from your current grind. The location is almost set, now you… Read More
Organize Your Budget, Organize Your Life
2022-06-08 11:00
Organizing your budget is a bit like organizing your whole life. Your budget is a reflection of your family meals, your kids’ milestones, your aspirations, and that big vacation you wa… Read More
How To Create A Bare-Bones Budget In YNAB
2022-06-06 11:00
Hey, it’s uncertain out there. Wondering how to future-proof your finances? Build a bare-bones budget. You might be asking, what is a bare-bones budget? Sounds morbid. Hear me out&m&hell…Read More
6 Thrifting Tips For Shopping On A Budget
2022-06-02 11:00
Budget confession: I used to have a bad Nordstrom habit. Needless to say, I had no interest in thrifting tips back in those days. Although I had a solid income in my 20’s, the money se… Read More
2022-05-31 12:46
Want to spend less, shop less, and have more fun in the kitchen by cooking on a budget? We’ve got you covered. Ah, cooking. It’s easy on the grocery budget, but sometimes it c… Read More
20 Easy, Budget-Friendly Meals
2022-05-23 11:00
Budget friendly meals—yes, even the ones cooked by you—can be delicious and easy, in addition to being cost-effective. And here are twenty cheap dinner ideas from real people as… Read More
2022-05-17 16:23
As members of the YNAB Support Team, we’ve noticed some…let’s say mistruths…about our good friend Reconciliation, who has a serious PR problem.  Here’… Read More
How Car Insurance Works
2022-05-10 11:00
Wondering how car insurance works, which insurance company to choose, and how to make sense of deductibles? At first glance, it can feel pretty confusing but knowing a few important things a… Read More

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