You read that correctly. In order to use YNAB (and to be in compliance with Rule #1 of YNAB), you will need to save one month’s expenses. The typical response?
How the heck can I do that? I can barely make ends meet as it is!
It may seem that way to start, but I’m going to [...]

The other day I received an email from a guy that was looking for some help with his budget. What he really wanted was to run his family like a business.
While I think it’s a great idea to have the mindset that your family does operate with a bottom-line (that can’t or shouldn’t be masked [...]

I’ve written about the value of a form for your home budget several times. I’ve also written about the value that is derived from writing down your home budget. I want to bring these two principles together:
1. Your home budget form need not be complex.
2. You must write your budget down.
I do a lot of [...]

I recognize that this can be a very, very emotionally-charged issue at times. My writing style is direct (read: blunt). I will be blunt here. But I want all readers to know this:
If you are having financial difficulty, and are possibly contemplating personal bankruptcy, that does not mean in any way you are a bad [...]

Recently I gained an insight into the affluent lifestyle. Having had a baby recently, we’re still on the prowl for a rocker. I guess some people call them gliders. We want to go all out and get one that swivels, reclines, and – of course – glides. With the car having 3,420 miles since its [...]

Most marriage and money problems pop up in almost every marriage – with both newlyweds and veterans – especially when you’re newlyweds though. Money gets complicated when you’re married because you might have a hard time adjusting to the “hers is mine and mine is hers” mentality that is required for a marrige to function [...]