How Much Time Do You Have?
On average, new budgeters save $600 by month two and more than $6,000 the first year! Pretty solid return on investment.
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I turned 34 yesterday.
Because we’re focused on building our buffer, I told Kate we weren’t going to budget anything for a birthday present. I’m not one that cares much about gifts, so it wasn’t going to feel like I missed out on much.
Around mid-morning, I got an Instagram notification on my phone:
“Happy birthday sweetie! Cleaned out the garage so you don’t have to. It’s the perfect gift when there’s no money budgeted for a gift. Love you!”
Aren’t you proud of my wife’s hard-core YNAB-ness? She didn’t say “when you don’t have any money.” She said “when there’s no money budgeted.” Big difference. Trust the budget, and make it your reality.
In sticking to the budget, Kate also verified one of the world’s oldest cliches: it really is the thought that counts.
Clutter and mess was all over the garage (including the boxed-up fake Christmas tree I hadn’t put back up on the shelves for, oh, three months). I knew I was going to have to clean it all up. I didn’t want to. Kate gave me a clean garage and two hours of my life back.
Is that better than the $50 or $100 (or $200) gift she might have bought me? Yes, and yes. It made my week. I can’t remember a birthday gift meaning more to me.
All because consumption was off the table…and because I have a thoughtful wife. 🙂
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.)
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