What we bought: How YNAB gives me peace of mind and keeps my money in check - Best News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aitesonics.com\/what-we-bought-how-ynab-gives-me-peace-of-mind-and-keeps-my-money-in-check-140049410\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What we bought: How YNAB gives me peace of mind and keeps my money in check - Best News\" \/>\n<meta property=\"og:description\" content=\"I\u2019ve always been pretty money-conscious, but I didn\u2019t really get into budgeting until I was in my mid-twenties. \u201cBudgeting\u201d is generous \u2014 I thought I was budgeting, but really I was using a crude Google Sheet system to track my expenses every month. 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{"id":2118,"date":"2024-04-05T07:10:39","date_gmt":"2024-04-05T07:10:39","guid":{"rendered":"https:\/\/aitesonics.com\/what-we-bought-how-ynab-gives-me-peace-of-mind-and-keeps-my-money-in-check-140049410\/"},"modified":"2024-04-05T07:10:39","modified_gmt":"2024-04-05T07:10:39","slug":"what-we-bought-how-ynab-gives-me-peace-of-mind-and-keeps-my-money-in-check-140049410","status":"publish","type":"post","link":"https:\/\/aitesonics.com\/what-we-bought-how-ynab-gives-me-peace-of-mind-and-keeps-my-money-in-check-140049410\/","title":{"rendered":"What we bought: How YNAB gives me peace of mind and keeps my money in check"},"content":{"rendered":"

I\u2019ve always been pretty money-conscious, but I didn\u2019t really get into budgeting until I was in my mid-twenties. \u201cBudgeting\u201d is generous \u2014 I thought<\/em> I was budgeting, but really I was using a crude Google Sheet system to track my expenses every month. I didn\u2019t truly understand the difference between those two things until I started looking into ways to upgrade. It had been working fine for me, but as I got older and wanted to grow my savings, save up for a home down payment and a wedding and generally do more \u201cadult\u201d things with my money, I started to scour the internet for alternatives. I settled on You Need a Budget (YNAB) about four years ago and I\u2019ve enjoyed it so much that I keep using it even after achieving some of those milestones.<\/p>\n

The YNAB Method<\/a> is an approach to budgeting that resonated with me then and still does today. I won\u2019t belabor the basics here, but put simply, you\u2019re to give every dollar a \u201cjob\u201d as soon as you get paid by taking care of immediate needs first and then accounting for the rest of your true expenses. The way YNAB does this is basically by acting like a digital envelope system<\/a> where you can customize all of your envelopes (or \u201ccategories\u201d) and the amount of money you need for each (\u201ctargets\u201d), and dump money into all of them every time you get paid. For example, I know I need $65 each month to pay for internet, so I have an internet category in YNAB with a target of $65 each month that\u2019s due by the 15th, since I\u2019ll need that money to pay the bill on the 20th of every month.<\/p>\n

Follow that example for all of the rest of your expenses like rent or mortgage payments, groceries, electricity, insurance premiums and you\u2019ll have a full YNAB budget in place. You can (and should) also do that for \u201ctrue\u201d expenses, which include things like hair cuts and car maintenance in the YNAB system. You may not need a specific amount of money for things like that every month, but you can plan for them by saving a little every time you get paid \u2014 so by the time you need to get that hair cut ahead of a wedding or unexpectedly need a new set of tires, you have at least some, if not all, of the money necessary to pay it.<\/p>\n

I was already taking stock of my standard expenses and setting aside money for those first and foremost, but YNAB made the process much easier. It\u2019s worth noting that was already part of my routine. I was privileged enough to get a decent financial education from my parents growing up (mantras like \u201cpay yourself first\u201d come to mind, and I see taking care of your most necessary expenses as a way of accomplishing that).<\/p>\n

The game-changer for me was considering my \u201ctrue expenses,\u201d which added up quickly. The inevitable weekly takeout order, veterinary bills for our cat, train and rideshare fees and the like were all things I knew I needed to pay for but didn\u2019t previously deal with until the time came. In YNAB, you can create categories for all true expenses and plan for them each month (or week, depending on how you budget\/get paid) so there\u2019s (hopefully) never a question of how you\u2019re going to pay for any of them.<\/p>\n

If you\u2019re able to do this and get your expenses in order, it\u2019s possible that you\u2019ll find you have money left over each paycheck. Then you can expand your budget to think about other true expenses or sinking funds<\/a> you may want to address. My line between true expenses and sinking funds is blurry at best, but the latter are just allocated monies you set aside for variable expenses that you know are inevitable like home maintenance or insurance premiums.<\/p>\n

Holiday gifts were big for me; every year, I have even more people in my life that I need to buy gifts for during the holiday season and I never planned for that in advance before using YNAB. Now, I have a \u201choliday gifts\u201d category with a generous target that I put money toward every month and set to be \u201cdue\u201d every year in early October. As soon as sales start to kick in during the fall, I have a pool of money with which I can buy all of my loved ones\u2019 gifts.<\/p>\n

I should say that YNAB appeals to my Type-A, \u00fcber-organized personality, but you can\u2019t plan for everything. A few years back, I unexpectedly had to spend about $500 for some car repairs and I didn\u2019t have quite that much in my \u201ccar maintenance\u201d sinking fund. Instead of panicking, I moved some money over from my \u201cclothing\u201d category to cover the remainder of the costs. It was a bit painful psychologically (I love seeing those little green progress bars<\/a> in the YNAB app), but it didn\u2019t impact my finances at all. YNAB accounts only for the money you actually have, regardless of which category it\u2019s in, so I wasn\u2019t spending anything that I couldn\u2019t afford. That\u2019s really important to me, as someone who tries to live within their means \u2014 and as much as possible, below it \u2014 to avoid lifestyle creep<\/a>.<\/p>\n

Getting back to those \u201cadult\u201d priorities I mentioned before: YNAB was one of the key things that helped me and my partner save up a home down payment and the funds we\u2019d need to pay for our wedding simultaneously, without feeling too stretched along the way. We cut down (not cut out<\/em>, mind you) on all unnecessary expenses and aggressively saved during this five-year period, and YNAB made keeping track of it all easy.<\/p>\n

But I would like to stress that the service was just one of the things that helped, and there were other factors that contributed as well. It\u2019s not realistic to suggest budgeting alone is the answer to all of one\u2019s money prayers. But it\u2019s certainly a step in the right direction and a good habit to build over time.<\/p>\n

I consider YNAB up there with 1Password<\/a> as one of the few services I\u2019m happy to pay for every year because of how much it adds to my life. However, it\u2019s worth noting that you don\u2019t have to pay for YNAB to start budgeting using its tenants. The YNAB method, the envelope system and zero-based budgeting<\/a> are all very similar and you can do them all with less expensive tools, and even manually with physical envelopes and cash. There are plenty of online communities with flourishing examples of how you can get started without paying for yet another subscription. I recommend checking out Taylor Budgets<\/a>, Budget Treasures<\/a> and other similar YouTube channels for more inspiration.<\/p>\n

<\/p>\n

You Need a Budget (YNAB)<\/h3>\n
<\/h4>\n
$99\/year at YNAB<\/u><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
I\u2019ve always been pretty money-conscious, but I didn\u2019t really get into budgeting until I was in my mid-twenties. \u201cBudgeting\u201d is generous \u2014 I thought I was budgeting, but really I was using a crude Google Sheet system to track my expenses every month. 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