YNAB You Need A Budget

[robmcd]

...It's Saturday night and I can't sleep from excitement of what morning will bring (I do my YNABing every Sunday morning)!

[TLBauer]

You know you are a YNABer when you tell complete strangers about YNAB while standing in the ATM line at the bank.

You know you are a YNABer when the end of the month brings excitement as you know you will be working on a new budget!

Bill

I recognize the feeling!

[TLBauer]

You know you are a YNABer when you are going on vacation for a week and realize you can't leave YNAB behind for fear it will be lonely! So your wife suggests you bring the MacBook along so I can update our vacation spending throughout the week.

Hi...my name is Bill...and I have a problem...I am addicted to YNAB. I blame Jesse and Taylor!

Bill

YNAB has been to San Francisco with me twice. All expenses entered each day.

I took YNAB with me to Australia last fall ... kept me on budget for vacation spending ... actually, I had $32.50 left in the vacation budget when I got home!

"YNAB ... don't leave home without it!" (sounds familiar somehow )

[macduncan]

You know you are a YNABer when...you go to the bank to replace your lost debit card and your proceed to tell the bank employee all about Dave Ramsey, YNAB and this magic thing called a buffer! And she looks at you with envy!!

You know you are a YNABer when....you keep sending people you work with a link to www.youneedabudget.com!

Bill

[blarg]

You know you're a YNABer when you've been using YNAB yourself for a month and you already have 2 of your friends using YNAB and talking with you about budgeting.

[YYC27]

You know you're a YNABer when you find a nickel, and immediately budget it into your Emergency Fund.

[J.Mann]

You know you're a YNABer when you find a nickel, and immediately budget it into your Emergency Fund.

or a quarter... dime... nickel... or even a penny!

[Patzer]

You know you're a YNABer when you find a nickel, and immediately budget it into your Emergency Fund.

You're hard core. When I count my cash, any difference between what I have and what the YNAB register shows gets entered with a Fun Money category. That gives me such a good incentive to track my cash accurately that the nickel I find is going to end up as Fun Money, not e-fund.

. . . and you know you're a YNABer if your first thought when someone says that they immediately budget loose change they find is about whether that's a good place to budget it.

Patzer

[MALMomma]

You know you're a YNABer when any loose change you find becomes income available for the month. (I'm also a Grocery Gamer and I know the value of a quarter, especially at CVS!!)

You know you're a YNABer when you open the program and look longingly at it with nothing to enter.

You know you're a YNABer if you are on a smooth road to debt reduction.

You know you're a YNABer when you talk about Jesse very lovingly & your husband doesn't get jealous or assume you're having an affair.

Side note - Bill, did your wife ever contest the ticket? Ridiculous that she should have gotten one!!

[YYC27]

You're hard core.

Actually, I make a point to almost never use cash. I pull out a roll of loonies from time-to-time so I can do my laundry, and that's about the extent. If I have other change in my cash pile, I generally know exactly where it came from.

Just think, once I've finished bulking up my e-fund, those nickels will be going toward my mortgage.

[macduncan]

Hey Karen...no unfortunately we didn't contest it. Happened to me 15 years or so ago and when I did contest they basically said "well you must have been drivig to fast foe the conditions as others didn't have an accident. Crazy!

You know you are a YNABer when....you look forward to gettin up in the morning knowing more bank transactions oro ably posted and you can add them to YNAB or mark them cleared!

Seriously...Jesse needs to print up YNAB business cards and send some out to us as I can't tell you the number of folks I tell about YNAB and about the URL for the site. Would be so much better if I could hand them a card! Kind of like Dave Ramsey's FPU cards. Heck I would buy them because YNAB has helped me so much and I want to spread the word!

Bill

[que107]

Two ways...
1) Your kids ask you for a couple of bucks and you say, no problem - I just need a receipt - and they groan because you're "always" doing that!!
and
2) You read the other posts on this thread and you can relate to them all - seriously!!

[macduncan]

You know you are a YNABer when...you get a new DROID phone for work and the first thing you do is bookmark the YNAB Forum!

Bill

[rollercoaster]

Your DH's co-workers believe you sit at home all day 'checking up on him' via the checking account online.

Copy and paste from my journal:

My short term is memory is completely shot. Completely. I'm always walking in to a room and forgetting why I went there. Some blame this on old age...I blame it on pregnancy and child birth. I have a theory re: brain cells and placenta - but that's for a whole different type of forum.

DH and I went out for supper for our anniversary this past week. After that, we stopped at a couple different stores and shopped around...without children! (so romantic, I know ). Anyway, we made a few small purchases then came home. The next day, I was updating the budget and register. I opened the checking account online and was completely stumped by one of the transactions...so I phoned DH. "Hey, did we stop somewhere else and spend $13.66?, there's a transaction in the account but it doesn't have store name, just a store number." I totally thought we bought something that I was just blanking on. It so happens that DH had JUST left Subway with a co-worker. Amount of transaction: $13.66. He had swiped his card about 2 minutes before I called him.

DH's co-worker just about had a coronary that I was 'checking up on him'. "You JUST spent that money, does she sit at home and refresh the account all day?!?" DH told him "we're budgeting" which started a whole new conversation between them, but I got a kick out of it. DH's co-workers probably think he lives with some control-freak shrew, now.

[macduncan]

You know you are a YNABer when....you get up on Sunday morning and look forward to putting together your proposed May budget!

Bill