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	<title>YNAB &#187; Whiteboard Wednesday</title>
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	<link>http://www.youneedabudget.com/blog</link>
	<description>You haven&#039;t budgeted like this.</description>
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		<title>The Gratitude Board (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/the-gratitude-board-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/the-gratitude-board-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 18 Aug 2010 17:06:01 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=4160</guid>
		<description><![CDATA[Took some time off last week and am back in action this week&#8230;taking time off next week as well&#8230; I&#8217;m thankful for time off. And that&#8217;s what we&#8217;ll be talking about today. Being aware of all the things you have &#8230; <a href="http://www.youneedabudget.com/blog/2010/the-gratitude-board-whiteboard-wednesday/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Took some time off last week and am back in action this week&#8230;taking time off next week as well&#8230;</p>
<p>I&#8217;m thankful for time off.</p>
<p>And that&#8217;s what we&#8217;ll be talking about today.  Being aware of all the things you <em>have</em> helps you keep your wants in check.  It&#8217;s not just about building awareness of your spending, but also building awareness of your Haves.  My guess is that you have a lot to be grateful for.</p>
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			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/the-gratitude-board-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Sometimes You Need Unsustainable Effort to Move the Effort Needle (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/sometimes-you-need-unsustainable-effort-to-move-the-effort-needle-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/sometimes-you-need-unsustainable-effort-to-move-the-effort-needle-whiteboard-wednesday/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 19:07:03 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=4125</guid>
		<description><![CDATA[When you&#8217;re wanting to change behavior, establish a new habit, etc&#8230;sometimes you need to give some unsustainable effort in order to move the effort needle from inaction to sustainable action.]]></description>
			<content:encoded><![CDATA[<p>When you&#8217;re wanting to change behavior, establish a new habit, etc&#8230;sometimes you need to give some unsustainable effort in order to move the effort needle from inaction to sustainable action.</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/uA8sWqCJQg4&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/uA8sWqCJQg4&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/sometimes-you-need-unsustainable-effort-to-move-the-effort-needle-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Maintaining Balance Between the Bank and Budget (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/maintaining-balance-between-the-bank-and-budget-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/maintaining-balance-between-the-bank-and-budget-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 20:30:24 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=4006</guid>
		<description><![CDATA[Today we discuss how to maintain balance between your bank account balance, and your budget balance. It&#8217;s a monthly thing you should look at! (Yes, eventually we&#8217;ll make the software smart enough to kind of &#8220;watch out&#8221; for you.)]]></description>
			<content:encoded><![CDATA[<p>Today we discuss how to maintain balance between your bank account balance, and your budget balance.  It&#8217;s a monthly thing you should look at!</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/Kw6tXgclnJ4&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/Kw6tXgclnJ4&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p>(Yes, eventually we&#8217;ll make the software smart enough to kind of &#8220;watch out&#8221; for you.)</p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/maintaining-balance-between-the-bank-and-budget-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>YNAB&#039;s Backstory (the long version) and Tips for Small Business Owners (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/ynabs-backstory-the-long-version-and-tips-for-small-business-owners-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/ynabs-backstory-the-long-version-and-tips-for-small-business-owners-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 21:33:05 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3910</guid>
		<description><![CDATA[Today&#8217;s Whiteboard Wednesday set a record for the longest ever in the history of earth. I&#8217;ve broken it up into four parts. Today&#8217;s WW is largely the backstory of YNAB. How it came to be&#8230; how it has evolved. Mistakes &#8230; <a href="http://www.youneedabudget.com/blog/2010/ynabs-backstory-the-long-version-and-tips-for-small-business-owners-whiteboard-wednesday/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Today&#8217;s Whiteboard Wednesday set a record for the longest ever in the history of earth.  I&#8217;ve broken it up into four parts.</p>
<p>Today&#8217;s WW is largely the backstory of YNAB.  How it came to be&#8230; how it has evolved.  Mistakes I&#8217;ve made in the past.  This has been requested for a bit and I thought I&#8217;d give the brief version.  It turned into a 30-minute endeavor :)</p>
<p>After relating the YNAB story I focus on a few key principles for small business owners (and esp. for those aspiring to get something started! Key word there being &#8216;<strong>start</strong>ed&#8217;).</p>
<p>Enjoy.  I promise brevity going forward.  Right.</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/96gOAkBvzes&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/96gOAkBvzes&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/-qn-MFW9n58&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/-qn-MFW9n58&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/LrRhBLqkaoA&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/LrRhBLqkaoA&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/yG0cx7PxGGg&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/yG0cx7PxGGg&amp;hl=en_US&amp;fs=1?rel=0&amp;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/ynabs-backstory-the-long-version-and-tips-for-small-business-owners-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Can I Help You One-on-One with Your Small Business Finances &#8212; for free? (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/can-i-help-you-one-on-one-with-your-small-business-finances-for-free-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/can-i-help-you-one-on-one-with-your-small-business-finances-for-free-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 23:22:42 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3894</guid>
		<description><![CDATA[Today we discuss a new initiative I&#8217;ll be working on over the next 4-6 weeks. YNAB for Your Small Business. Please watch the Whiteboard Wednesday and then, if you&#8217;re a small business owner (even the smallest of small businesses, full- &#8230; <a href="http://www.youneedabudget.com/blog/2010/can-i-help-you-one-on-one-with-your-small-business-finances-for-free-whiteboard-wednesday/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Today we discuss a new initiative I&#8217;ll be working on over the next 4-6 weeks.  YNAB for Your Small Business.</p>
<p>Please watch the Whiteboard Wednesday and then, if you&#8217;re a small business owner (even the smallest of small businesses, full- or part-time! Consultant, freelancer, designer, programmer, realtor, loan officer, etc.), fill out the survey below.</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/rjXm0SK-YkA&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/rjXm0SK-YkA&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p>You may be selected as one of six participants.   I&#8217;ll work with you individually to help you implement YNAB into your small business.  This is completely free.  I&#8217;m doing it for very selfish reasons &#8212; I want to learn how I can help people implement YNAB&#8217;s principles into a small business setting.  The best way to learn how to help is to start helping!</p>
<p>YNAB transforms personal finances.</p>
<p>It can transform business finances.</p>
<p><a href="http://www.surveymonkey.com/s/6LBQND6">Click here to apply!</a></p>
<p><strong>UPDATE:</strong> Thanks to those who have already applied.  Just from reading through the applications I&#8217;m getting <em>very</em> excited!  We will be able to do some great things for your respective ventures!  To those who haven&#8217;t yet applied, go ahead!  It shouldn&#8217;t take more than a few minutes :)</p>
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			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/can-i-help-you-one-on-one-with-your-small-business-finances-for-free-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>16</slash:comments>
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		<item>
		<title>Reporting the Past vs. Planning for the Future (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/reporting-the-past-vs-planning-for-the-future-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/reporting-the-past-vs-planning-for-the-future-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 17:53:20 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3814</guid>
		<description><![CDATA[Hey everyone! Today I wanted to discuss why we focus less on reports and more on the workflow that&#8217;s built around the present and planning for the near future.]]></description>
			<content:encoded><![CDATA[<p>Hey everyone!  Today I wanted to discuss why we focus less on reports and more on the workflow that&#8217;s built around the <em>present</em> and planning for the near future.</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/kJDcaByl9TM&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/kJDcaByl9TM&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/reporting-the-past-vs-planning-for-the-future-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
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		<item>
		<title>Guilt vs. Desire (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/guilt-vs-desire-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/guilt-vs-desire-whiteboard-wednesday/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 18:52:11 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3787</guid>
		<description><![CDATA[Today we talk about the balance between guilty spending and stuff you want. The Budget helps you navigate those tricky waters!]]></description>
			<content:encoded><![CDATA[<p>Today we talk about the balance between guilty spending and stuff you <em>want</em>.  The Budget helps you navigate those tricky waters!</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/0GjM2pVfMYU&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/0GjM2pVfMYU&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/guilt-vs-desire-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>The Buffer Explained (differently) for Whiteboard Wednesday</title>
		<link>http://www.youneedabudget.com/blog/2010/the-buffer-explained-differently-for-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/the-buffer-explained-differently-for-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 09 Jun 2010 19:19:47 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3737</guid>
		<description><![CDATA[Hey everyone! This is just a different way of conceptually explaining the buffer concept. If you &#8220;get it&#8221; already, you may use this to explain it to your neighbor (who thinks you&#8217;re weird, by the way). If you don&#8217;t quite &#8230; <a href="http://www.youneedabudget.com/blog/2010/the-buffer-explained-differently-for-whiteboard-wednesday/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>Hey everyone!  This is just a different way of conceptually explaining the buffer concept.  If you &#8220;get it&#8221; already, you may use this to explain it to your neighbor (who thinks you&#8217;re weird, by the way).  If you don&#8217;t quite get it yet, perhaps this will help clear the waters a bit!</p>
<p><object width="640" height="385"><param name="movie" value="http://www.youtube.com/v/X5u2qyp9kgI&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/X5u2qyp9kgI&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;hd=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="640" height="385"></embed></object></p>
<p>Here&#8217;s a still shot of the whiteboard for reference:</p>
<p><a href="http://www.youneedabudget.com/wp-content/uploads/2010/06/photo-2.jpg" rel="shadowbox"><img src="http://www.youneedabudget.com/wp-content/uploads/2010/06/photo-2-300x225.jpg" alt="Still Shot of Whiteboard Explaining Buffer Concept" title="The Buffer Explained (differently)" width="300" height="225" class="alignnone size-medium wp-image-3738" /></a></p>
<p>(Sorry for the background-noise audio &#8212; I didn&#8217;t have my mic with me &#8212; will next time!)</p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/the-buffer-explained-differently-for-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>YNAB for iPhone (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/ynab-for-iphone-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/ynab-for-iphone-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 19 May 2010 21:16:56 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3566</guid>
		<description><![CDATA[This isn&#8217;t really a Whiteboard Wednesday today, but I thought I&#8217;d show the iPhone promo video we put together for our pending, eventual, sometime-in-the-near-future (Apple, can you hear us?) iPhone app that will be available in the App Store. There &#8230; <a href="http://www.youneedabudget.com/blog/2010/ynab-for-iphone-whiteboard-wednesday/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>This isn&#8217;t really a Whiteboard Wednesday today, but I thought I&#8217;d show the iPhone promo video we put together for our pending, eventual, sometime-in-the-near-future (Apple, can you hear us?) <a href="http://www.youneedabudget.com/iphone/">iPhone app</a> that will be available in the App Store.</p>
<p><object width="500" height="405"><param name="movie" value="http://www.youtube.com/v/pu8oSKqFkg0&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;color1=0x3a3a3a&#038;color2=0x999999&#038;hd=1&#038;border=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/pu8oSKqFkg0&#038;hl=en_US&#038;fs=1&#038;rel=0&#038;color1=0x3a3a3a&#038;color2=0x999999&#038;hd=1&#038;border=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="500" height="405"></embed></object></p>
<p>There won&#8217;t be a Whiteboard Wednesday next week because I&#8217;ll be out of the office for the week.  But two weeks from today?  Oh you just wait!</p>
]]></content:encoded>
			<wfw:commentRss>http://www.youneedabudget.com/blog/2010/ynab-for-iphone-whiteboard-wednesday/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<item>
		<title>All About the Scheduler (Whiteboard Wednesday)</title>
		<link>http://www.youneedabudget.com/blog/2010/all-about-the-scheduler-whiteboard-wednesday/</link>
		<comments>http://www.youneedabudget.com/blog/2010/all-about-the-scheduler-whiteboard-wednesday/#comments</comments>
		<pubDate>Wed, 12 May 2010 19:39:00 +0000</pubDate>
		<dc:creator>jesse</dc:creator>
				<category><![CDATA[Whiteboard Wednesday]]></category>

		<guid isPermaLink="false">http://www.youneedabudget.com/?p=3524</guid>
		<description><![CDATA[Hey everyone! We&#8217;re fairly busy with the pending iPhone app launch, but not busy enough to skip a Whiteboard Wednesday :) Today we cover the Scheduler (darn useful, often overlooked).]]></description>
			<content:encoded><![CDATA[<p>Hey everyone!</p>
<p>We&#8217;re fairly busy with the <a href="http://www.youneedabudget.com/2010/ynab-for-iphone-in-apples-hands-awaiting-approval/">pending iPhone app launch</a>, but not busy enough to skip a Whiteboard Wednesday :)  Today we cover the Scheduler (darn useful, often overlooked).</p>
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