YNAB You Need A Budget

[macduncan]

Awesome!

[mrsbrightside]

You know you're a YNABer when you...

...become annoyed because you don't have to even open YNAB because you didn't buy anything.

...are aware of your payday because you can't wait to budget it instead of because you're running out of money.

These two really resonate with me - thanks for sharing!

[Evelyn]

Your idea of an impulsive financial decision is sending an extra $100 to debt repayment, not spending $100 on shoes.

You calculate how much you're allowed to spend on dinner daily, now that you no longer have that $100 to augment the grocery budget. And then you carefully plan meals such that you'll come in under the already-frugal budget.

(If you read my journal you've seen this already, but in light of my financial past it seemed noteworthy.)

[Evelyn]

And another: You want a job mostly because you can't wait to have real income to budget as available this month (and better yet, available next month). After all, with your budget, you could bum around for three more months living off savings before really having a problem.

[KrisD42]

...when having $2.02 Available to Budget makes you want to assign it NOW
...you know what whack-a-mole is
...you talk IRL about "throwing money over the wall' and "lumpy expenses" : people look at you like you've lost your mind
...you leave YNAB open all the time, just to be able to gaze upon your budget whenever you like.

[supenguin]

KrisD,
What? People close YNAB? The only time I close it is for updates and reboots - which are pretty rare since I'm on a Mac laptop and tend to put it to sleep rather than shut down.

[all_smiles]

Ha! YNAB keeps asking if the date is correct on my computer because I leave it open too long lol. I am away from computer for most of the day... Honest! I wonder how much power I'm draining now.. pooh. Let's see if the power bill goes down if I close my beautiful YNAB and shutdown the 'puter.

[litterbug]

My iMac is terrifically energy efficient, but I shut it down nightly to save the few cents on my electric bill, which is otherwise out of control these days.

[WairereRose]

The other benefit from closing down is to take advantage of the auto-save feature, which if you are not remembering to regularly save your file will save you losing much work in the event of a power outage or similar.

[brodes]

...you experience a flash of depression when you think that all your money is totally gone after budgeting on payday, then feeling awesome when you realise it's all still there, just working hard.... (my experience anyway!)

[ccaspers]

You know you are a YNABer when ...

You can't wait to get paid so you can victoriusly assign it as, "Money Available NEXT Month!"

[merlin1279]

...you experience a flash of depression when you think that all your money is totally gone after budgeting on payday, then feeling awesome when you realise it's all still there, just working hard.... (my experience anyway!)

Love it! Can't wait for the next payday for just this reason =)

[PhilJ]

You know you are a YNABer when you're male and you read in someone else's journal

......I don't need chocolates, teddy bears, or roses... give me a husband who is just into the budget as I am and I feel incredibly romantic....

and think to yourself, now that's my type of woman.

P.S. I'm happily married.

You know you are a YNABer when you have to add a "P.S. I'm happily married" to avoid getting dozens of PMs from all those female YNABers who find budgeting sexy! LOL!

To all those single female YNABers out there, PM me

[macduncan]

You know you are a YNABer when...you are off by $1.50 in your accounts, track it down relentlessly, balance it and feel the universe is back in balance again!

[Maggie Magpie]

Your husband walks into the room at month-end and sees you hugging your laptop murmuring, "I love you YNAB....", and doesn't even raise an eyebrow but keeps on about his business.