The police officer, school teacher, engineer, firefighter, attorney, doctor, professor, designer, manager and rocket scientist all have one thing in common: they’re killing it financially with YNAB.
I sell walk-in tubs to the elderly and those with physical challenges. I am a single father of one son. I moved into a cheaper apartment that actually offered more amenities and was closer to school. A penny saved ...
I could never keep accurate track of my money coming and going--mostly going, going, gone! I can only approximate my numbers, however, I would say that I easily wasted about 35% - 40% of my income on junk like fast food, movies, et al. My epiphany happened after I started to keep track of every penny I owned and how I spent those pennies. I was able to see just how wasteful I'd been and could immediately see what unbudgeted money I was spending.
My brother told me about YNAB and the great success he was having with finally seeing his own budget become managable. I am so grateful that he shared this with me. It allowed me to admit that I needed help with my own budgeting problems.
The YNAB philosophy came to me almost effortlessly. It just made sense. I am amazed at how quickly I was able to create the habit of asking for receipts and not discarding them until I had entered them into YNAB. I used to live in fear of not knowing what to do or where to put my money. Can I afford to buy this or not? I am no longer afraid of my money! That is huge for me. Wonderful--how do you put a price on peace of mind? I am slowly stepping toward being debt free. It will take me quite some time to get there, but I am not incurring more debt and slowly paying off my accounts. That is a first in many, many years.
I am now able to see that there are always solutions to other areas of my weakness or ignorance and that looking for help is a huge step. I have to admit that I need help and that I don't know as much as I think I do. This program is a huge answer to prayer for me. I can honestly say that whenever I am around anyone talking about finances or budgeting, I tell them about YNAB and how I now track all my spending. Almost everyone has written down YNAB's website!
I am no longer afraid of my money! That is huge for me.