“Linked” or “Unlinked”, but if you’re paying for this app,
Set up, you can do most everything through the YNAB App (I don’t use theĭesktop for months at a time, the app is really THAT powerful). You can set your budget up on the Mobile App, but I find it far easier (and quicker) to do this on the desktop currently.
You to budget money that you don’t have, and is a “Zero-Based”īudgeting system that is built to assign every dollar to a category. It is a VERY well organize budgeting system, that works the Here’s an overview of the features and how they allĪnd soul of YNAB. The budgeting system that most closely mirrors how your transactions and moneyĪCTUALLY work in real life. YNAB Featuresīudgeting software, and allows you to customize almost anything you want. Money” in the upper right corner of the web app (or “Reports” TIME., as the first taste of Financial Freedom comes when you no longer live Paycheck to Paycheck, and can get ahead of yourįeature into the software, and you can see your current “Age of Line: No budget is perfect, you can’t predict the future, so roll with it,Īdjust, and move on! Rule #4 – Age Your MoneyĪ bit abstract, but it simply means you want to live on last month’s money. Makes this SUPER simple, simply allowing you move money from one budget to We’ll cover this in more detail later, but YNAB In any category, you can simply adjust your budget, and grab the funds from When the expense arrives, simply pay for it (the money is already there)Ībout how I fund Savings Buckets HERE Rule # 3 – Roll With The Punchesįind YNAB is the MOST useful.Pick an irregular expense (like Christmas) and figure out how much you need monthly to save for it.Vacations, Car Maintenance and other non-monthly expenses can be real budgetīusters, but if you save for them ahead of time, the money is always there when Idea of budgeting ahead for infrequent expenses. Savings Buckets… Rule # 2 – Embrace Your True Expenses Means to create a “Zero-Based Budget”, since your “To Beīudgeted” amount should equal ZERO after giving all dollars a job. And it isīuilt on the principle of “living on last month’s income”, which isĮxactly what I teach others to do in my Personal Finance 101 Guide.įollow the Four Rules Of Budgeting Rule # 1 – Give Every Dollar A Jobīe toward your expenses (bills, spending, debt, etc.). ONLY budget money you actually have, and to give every dollar a job. Zero-based budgeting software that gives you (almost) complete control of yourīudget, and is probably my favorite budgeting software on the market today. Thousands of people take back control of their money. Partnered with a developer and created the first stand-alone software versionĪnd based on their 4 Rules of Budgeting, has helped thousands and Brain-child of Jesse Mecham, a spreadsheet nerd (like myself) who built hisīudgeting spreadsheet in 2003, and started selling it.
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