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A $13,000 Turn-Around in 16 Months
“16 months after starting YNAB, I am debt free (since the 7 month mark). I have no credit cards and am just shy of $7,000 in the bank.” |
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Reaching Financial Goals
“We stopped floundering and being stressed and now feel like our goals are achievable.” |
Read what others are saying or this ridiculously long list of testimonials.
Rule One: Give Every Dollar a JobEach month you assign your Available dollars to spending/savings categories. This process takes 20 minutes and revolutionizes the way you think about your money. Result: Dollars are told what to do. Your awareness will increase tremendously and you’ll find contentment as your spending aligns itself with your core values. Communication between spouses is restored. |
Rule Two: Save for a Rainy DayYou’ll anticipate larger, less-frequent expenses and will be ready for them. Insurance premium due in six months for $600? Save $100 each month and watch the Car Insurance balance grow. Result: Eliminate the crazy ups and downs in your life. Gain a true picture of your discretionary income. Enjoy opening the mail again (the money will be there waiting to pay that bill). |
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Rule Three: Roll with the PunchesThe key is to keep moving even when you fail (you will). YNAB will make small adjustments when you overspend, ensuring that you fix those mistakes before you go to the next month. Result: It keeps you on your budgeting feet, so when you fail, you don’t quit. You start each month with a clean slate–a huge psychological boost. |
Rule Four: Stop Living Paycheck to PaycheckWe want you to work toward living on last month’s income. Both the software and methodology will help you do just that. Result: You’ll find breathing room. You’ll stop wasting time by timing paychecks with bills, and if you’re on a variable income, your budgeting “problem” will be eliminated. |
