Just a short list I threw together based on applicants to my Small Business Initiative:

IT consultant
graphic designer
personal trainer
CAD drafting
musician
internet marketer
psychic
cosmetologist
financial adviser
web developer
petsitting
search engine optimization consultant
attorney
educational therapy
web hosting
avon representative (or any other similar situation such as Nuskin, Noni, Amway…)
physical therapist
security consultant
database administrator
photographer
business coaching
software developer
realtor
patent consultant
bookkeeper
voice coach
life coach
jewelry distributor
piano teacher
electrician
acupuncturist
pilates/yoga instructor

This list is by no means exhaustive. Could you implement YNAB’s powerful principles into your business? Do you find 90% of your current bookkeeping software’s functionality lying dormant because you just need “something simple?”

Today we discuss a new initiative I’ll be working on over the next 4-6 weeks. YNAB for Your Small Business.

Please watch the Whiteboard Wednesday and then, if you’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.

You may be selected as one of six participants. I’ll work with you individually to help you implement YNAB into your small business. This is completely free. I’m doing it for very selfish reasons — I want to learn how I can help people implement YNAB’s principles into a small business setting. The best way to learn how to help is to start helping!

YNAB transforms personal finances.

It can transform business finances.

Click here to apply!

UPDATE: Thanks to those who have already applied. Just from reading through the applications I’m getting very excited! We will be able to do some great things for your respective ventures! To those who haven’t yet applied, go ahead! It shouldn’t take more than a few minutes :)

Hey everyone! Today I wanted to discuss why we focus less on reports and more on the workflow that’s built around the present and planning for the near future.

Our iPhone app update (1.1) was just approved by Apple, and will be available on your phone within the next 24 hours. This is good news for a few reasons. First of all, it fixes a bug that was caused by the new iPhone OS that I mentioned in an earlier post. So, definitely get this app update as soon as possible so that your iPhone app continues to work well when iOS 4 is released by Apple on Monday.

Most importantly however, it adds a number of new features that I think you’ll really enjoy:

• An unlock code to prevent anyone from accessing the app on your phone unless they know your code. (It’s optional if you don’t want it)
• Streamlined syncing: The sync passcode stays the same between runs, and the next version of YNAB for desktop remembers your passcode between runs as well. This means that 95% of the time, nothing has to change, and you can just hit “Sync now”. The app also lays some groundwork to make it discoverable by a new version of YNAB so you don’t have to type the IP address. I have the prototype for that code running on my machine, but it will be a while before it’s released since it relies on AIR 2.0, and we still need to figure out our AIR 2 upgrade story.
• Transfers – you can now create transfers on the iPhone
• Flags – You can flag transactions as you enter them now

Enjoy!

UPDATE (Sat, Jun 19, 2010, 12:30pm CT): Our iPhone app update was just approved! This post is now out of date. The update will be available within the next 24 hours, so you can update to iOS 4 as whenever you want! :)

If you are using the YNAB iPhone app, please do not update your iPhone’s OS to the new OS: iOS 4. (It is available to early adopters now, and will be released officially by Apple on Monday, June 21, 2010.) This OS update breaks the YNAB iPhone app. We submitted a fixed version of the iPhone app to Apple earlier this week, but it won’t be available until Apple approves it, and that could take them a few more minutes or a few more days. (They are notoriously difficult to predict with things like this).

If you do update to iOS 4 before the app update is approved, all of your categories and transactions will be out of order. This means that some categories will be listed under the wrong master categories, making the data appear broken. (This happened because iOS 4 changes the way the phone returns sorted data to our app.)

We will post updates here, in the forums, on Taylor’s Twitter, and on Jesse’s Twitter. Hopefully soon I’ll be able to give you the good news that Apple has approved our app update! In the meantime, please resist updating your iPhone’s OS!

Today we talk about the balance between guilty spending and stuff you want. The Budget helps you navigate those tricky waters!

Taylor doesn’t pour his whole soul out everyday on the dev blog–writing about all the things over which he’s banging his head against a wall and throwing maté at his monitor (edge cases with transfers on the iPhone…) but he does give some nice updates.

Head over there for a preview of a new build for both YNAB and YNAB for iPhone.

Neal Frankle, over at Wealth Pilgrim has written up a great review of YNAB — check it out! :)

I’m working on a page where people will be able to find resources to help us spread the YNAB Word.

Our forums are, what I would call, the friendliest on the World Wide Web (we really need to bring that term phrase back — there’s my effort for the day).

I love the passion that YNAB users have for their newfound knowledge. Money is such a pervasive “thing” in our life, it’s easy for The YNAB Way to not really be much about software at all. It feels, in a lot of ways, more like a movement.

When you find something that’s really changing your life for the better, it’s natural to want to talk about it. I hope people keep talking about YNAB — screaming it from the rooftops even.

Let’s just make sure we don’t trade in our poor money management skills for a new set of awesome skills that come bundled with a pile of good ol’ hubris. And then, of course, begin judging our closest friends and family with an elitism saved only for the naming of roses (White Rose of York, Comte de Chambourd, and Madame Hardy anyone?).

I know I’ve done this before. Are you occasionally guilty of the same?

For the one week I eat healthy: Suddenly everyone around me isn’t so…shame on them.

My kids happened to be quieter in church yesterday (than normal) so…suddenly I’m the WunderParent and everyone around me can’t get a handle on their kids?

I discover this (fantastic! unbelievable!) software and accompanying Methodology that’s (no hubris here as I write this…) transformed the way I think about money…now everyone around me is just a bit inferior…not quite as informed…not as special. And they certainly can’t afford that new [ ___________ ] (which they must’ve financed).

Bleh.

JD (from GetRichSlowly) wrote about a sweet Alaskan trip he went on a bit ago — and how he felt he was being judged:

Throughout the trip, I felt like I was under pressure to, well, be more frugal, to make the same choices John would make. And you know what? That pressure sucked. It felt awful. I didn’t like the feeling of being judged, especially by somebody I look up to.

How lame is that?

Ramit (from IWillTeachYouToBeRich — which is very hard to type, but an insightful read most every time) recently wrote about how we’re all hypocrites when it comes to spending. He’s right.

This is just something to think about. Now let me sign off–there’s something in my eye.

Hey everyone! This is just a different way of conceptually explaining the buffer concept. If you “get it” already, you may use this to explain it to your neighbor (who thinks you’re weird, by the way). If you don’t quite get it yet, perhaps this will help clear the waters a bit!

Here’s a still shot of the whiteboard for reference:

(Sorry for the background-noise audio — I didn’t have my mic with me — will next time!)