Menu Back

Learn All Things YNAB

How Much Time Do You Have?

Free For 34-Days, Then $6.99 a Month*

On average, new budgeters save $600 by month two and more than $6,000 the first year! Pretty solid return on investment.

  • 1

    Try YNAB FREE 
for 34 days

  • 2

    Start taking control 
of your money

  • 3

    After your trial, continue for $4.17/month, billed annually at $50

  • Bank Syncing Easily connect all your bank accounts in one place.
  • On the Go Easily budget together, across devices, in real-time!
  • Personal Support Personal support and teaching, 7 days a week.
  • Debt Paydown The tools you need to get debt-free & stay that way.
  • Reporting Bliss Measuring tangible progress leads to more progress.
  • Goal Tracking Set, track, and reach your goals—faster!

Sign up for a free trial today!

No credit card required.


The legal stuff

Agree to the Terms of Service and Privacy Policy to continue.

Start taking control 
of your money today!

15 Dec 2017

But What If You Just Love Spending Money?

Below Read More
by Lindsey Burgess

We first published Holly Mackenzie’s story in 2016. It’s a story that many of us can relate to—the struggle to say ‘no’ to smaller things today so that we can fully say ‘yes’ to a better life tomorrow. If you want to read more about Holly, you’ll find her in Jesse’s new book, You Need a BudgetPreorder your copy before December 26th, to be qualified to enter our raffle for an all-expenses-paid trip to New York City to have lunch with Jesse! You could even score yourself a YNAB t-shirt. Full details here.

Now, Let’s Meet Holly.

If you have ever thought you could never stick to a budget because you just “love to spend money so much”—we’ve got a success story for you.

Meet Holly MacKenzie, a 32-year-old engineer by day and fitness coach by night. She’s spunky, adventurous, and up for anything—which can get expensive.

Up until a few years ago, she assumed she’d live paycheck to paycheck all the days of her life because, well, she just loved spending money. She couldn’t even fathom another way.

But life just kept happening—as it does—and she was forced to face her finances like never before.

Fast forward to today, Holly understands and respects the power of her money. Every. Single. Dollar. She is in complete control of her money and as a result, her entire life (which didn’t surprise anyone more than Holly herself).

Maybe her journey can inspire your own financial revelation:

Fear The Status Quo

Despite knowing that she never had the money for any remotely big expense (car registration, insurance, Christmas), she was accustomed to the stress and the scramble of it all. She would use her credit card when she had to, and she figured someday when she sold her house or got a windfall of some kind, she’d be able to pay it off. This was her normal.

The Breaking Point—June 2015

But after a broken engagement, she had to assume the household bills on her own. Yikes—big adjustment—and after a tenant, renting a room in her house, decided to move out, Holly knew she was at risk of not making her mortgage. Suddenly, the stress was no longer something she could tolerate in the background.

Friends Don’t Let Friends Stress About Money

Before she ever tried YNAB, she could see it working: “My co-worker started using YNAB and I literally watched her lifestyle, finances and attitude changing. She was saving for Christmas in February!? She said, “No,” to things she wanted? (Who does that?!)” It seemed crazy, but it also seemed to be working. And Holly knew that if she committed to this YNAB thing it would work.

Learning A New Normal

As with everything else in her life, once Holly jumped on the YNAB train, it was full-steam ahead. Suddenly she was seeing things with entirely new eyes: “YNAB showed me that even though I had money in my bank account, it was already “spent” on something else. I could see that if I bought another travel mug or more workout clothes at Target, I was making the conscious decision that Target items were more important than the cable bill, paying off my credit card, or food.” This ridiculously simple concept was completely changing her entire life. Go figure.

The Many Faces Of Success

Remember the $9,000 credit card balance she thought she’d have to sell her house to pay off? Seven months of budgeting and it was done. And five months later, she paid off the last of her student loans. She recently purchased her dream car—a 2016 Toyota 4Runner—and she’s well on her way to a six-month emergency fund.

But even more than the direct financial success, budgeting has changed Holly’s whole life for the better: “YNAB just takes the stress out of money. It makes financial decisions black and white—you either have the money or you don’t. I don’t really even feel like I live on a budget, I just feel like I’m in control of my money. I know where it is going, what it needs to do, and how I’m moving toward my goals.”

It’s true that budgeting means you will sometimes have to say, “No,” to something you want, unless you want to be in total control of your money, in which case, you’ll be set.

Don’t forget!

Preorder You Need A Budget (the book), today, and enter to win lunch with Jesse! You could even score yourself a highly coveted YNAB t-shirt. Full details here.

Related Articles

YNAB, the Book: The Gift That Keeps on Giving

December 7, 2017 | by Shannon Marie

When One Parent Wants To Stay Home

December 8, 2017 | by Lindsey Burgess

Why Should You Buy You Need A Budget, the Book?

December 6, 2017 | by Jesse Mecham

Your Next Step

Remember, budgeting is not restrictive. You won’t be spending less, you’ll be spending right. You can do this! Today. Right now. What do you have to lose? Except all that debt and stress. (Ok, so kind of a lot.)


We send one email a week summarizing all the best budgeting reads.

No thanks


Follow YNAB to get support and lots of great ideas on budgeting