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When You’re Just Getting By

You work hard, but there’s never much left over. You’re trying to work with what you’ve got—even if it’s not a lot. Sometimes it’s alright, but sometimes it’s stressful.

You Want More Margin with Money

A roof over your head, food on the table: you’re keeping things running. Sure, it might not be fancy, but you don’t need much.

There’s always another bill to pay, or an unexpected expense that drains your account. You feel like sometimes you’re teetering on the financial edge.

You Need a Budget—We All Do!

While we can’t change your income, we can help you manage the money you DO have now with confidence and direction. Best of all, a budget can help make your dollars go further.

We Started Keeping Money in Savings

Before using YNAB, Natalie and Larry were like many other couples—they were doing well enough to get by, but the stress of debt loomed. They had 13 credit cards and two personal loans without the extra money to pay them off quickly.   “We always somehow managed to get the money we needed, but it’s never stayed in our account long enough to earn any interest,” Natalie said. Until it all changed when they started budgeting.

  • From Paycheck to Paycheck to Earning Interest

    I don’t mean to brag, but I made money in my savings account! One whole penny! I have never earned interest in my accounts before!! Pretty darn proud of myself!”

    -Natalie

Here’s How It Works

  • 1. Sign Up For a Free Trial

    We have free workshops and resources to get you budgeting in no time.

  • 2. Prioritize Your Money

    Follow your spending plan, and change as needed.

  • 3. Create a Buffer

    Watch as you start to have money waiting for bills instead of bills waiting for money.

Try YNAB Free for 34 Days. No Credit Card Required

You can move from just getting by to getting ahead. What are you waiting for? Start your budget today!

Recommended Articles

  • How to Budget in YNAB When Things are Tight

    It can be tough to build a budget when things are tight. Let’s walk through what you can do—right out of the gate—even if you’re short on cash.
  • 6 Steps to Make Your Money Go Further

    You want your current stash of cash to last as long as it can. Here’s how to take your pile of money and make it build a bridge as far as it’ll take you over the murky bog of the future.
  • How to Get a Month Ahead With Your Budget

    If you are trying to break the paycheck to paycheck cycle, getting a month ahead is like taking a giant step away from that pit. Here’s how to get ahead.

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