YNAB You Need A Budget

[HelenA]

The subject line says it all.

I have regular payments which will happen on Monday and will enable me to top-up one or two cells that, as of right now, do not have the full quota, & I'll have heaps left over - roughly £400.00!!!!!!! Enough to buy a new cooker and possibly a new TV with a tiny dip into my savings.

YAYYYYYYYY!!!!

[jessiebird]

Congratulations! I will, if all goes according to plan, be right there with you at the end of August. I am really looking forward to having subsequent extra income freed up for other things.

Enjoy your new purchase(s).

[HelenA]

I have even budgeted for the cashing of a 250-quid cheque written in early May but hasnt been presented yet!

[OneDollarBeer]

Assuming I tighten on my budget, and I don't have any unforeseen expenses, I have enough money in my checking to cover all my expenses for the month of June.
I had no idea it would feel this good.

I've always know I can afford to make higher payments on my mortgage, but I just never knew how much higher. With a full buffer, and knowing exactly how much I am spending each month, I will easily figure this out next month.

Funny, in the beginning I hated having to manually enter my transactions. But having done that, I know exactly what my money is doing. The software has paid back for itself already.

[Turf_Hacker]

Assuming I tighten on my budget, and I don't have any unforeseen expenses, I have enough money in my checking to cover all my expenses for the month of June.
I had no idea it would feel this good.

I've always know I can afford to make higher payments on my mortgage, but I just never knew how much higher. With a full buffer, and knowing exactly how much I am spending each month, I will easily figure this out next month.

Funny, in the beginning I hated having to manually enter my transactions. But having done that, I know exactly what my money is doing. The software has paid back for itself already.

Awesome, great progress!! Can I quote you in my Introduction to YNAB classes?

[HelenA]

It is funny-wierd knowing i have a full buffer beginning this coming month. Like OneDollarBeer, I too know - and understand - what my money does for the first time in my life! Thank you, YNAB!

[litterbug]

HelenA, I can't say how pleased I am to hear about your success! I know how much dedication it took for you to get where you are, and it will be fun to watch your progress. You're going to be a great inspiration for those who are starting in a very difficult place.

[HelenA]

I just got on with it, litterbug! That and bone-headed obstancy. Plus I needed to do it.

[litterbug]

"Obstinate" in this context is just another word for strength.

[HelenA]

I cheated by making a Fresh Start, see post112235.html. I know I have a full buffer capability but things were beginning (had got) chaotic and I needed a clean slate. Oh well.......

[HelenA]

I know what you mean, kellysmith, they are a pain in the neck!

[m2011]

Congratulations Helen. It must feel great