You're Counting the Days to Payday
There’s barely enough money to get you between this payday and next. You’re running on fumes until the next paycheck arrives. Living like this? It’s exhausting.
We’ll teach you how to live on last month’s money so you never feel that razor-thin financial edge again. You can stop worrying about maxing out your credit cards, collectors will stop calling, and those once-frequent overdraft fees will vanish into thin air.
We're Here to Help
We want to help you build more margin into your budget, your bank account, and in your life.
1. Start Your Trial
Try YNAB for free. Poke around a bit. Decide if this is the tool for you!
2. Make Your Budget
Create a buffer with your money and track your progress with a budget.
3. Get Ahead
Watch your money stretch to payday and beyond and build a financial security blanket.
Break the Cycle for Good
When Dana Kay saw that the woman in front of her at the grocery store had her card declined at the register, she immediately swept in to cover the woman’s costs. That’s when she realized how far she had come from living paycheck to paycheck. Hear how she turned it all around.
What’s Your Money Pain Point? We Can Help!
Help! I Don’t Know Where to StartWhen no one ever taught you what the heck to do with money, it’s no wonder you’re a little lost! First things first, let’s get going with a budget to light your way.
Help! I Don’t Make Enough Money to BudgetAre you stuck thinking that because you’re broke you can’t have a budget? Nothing could be further from the truth. Here’s how to thrive no matter how much you have in the bank.
Help! I Don’t Have Time to Learn How to BudgetSurely you’ve got five minutes! Or a lunch break? We can work with your limited time table: here are the essentials you need to know.
Practical Tools For Getting Ahead
Read the Full Guide
This guide will take you through how to break out of the paycheck to paycheck cycle forever in an easy-to-follow format.Read More
How to Get Ahead
Learn how to live on last month’s income so you have more space between when you’re paid and when you get paid again.Watch Now
Learn the Four Rules
Learn about YNAB’s Method for money management in this approachable, bite-sized video course.Watch Video Course
Ask Your Questions
Our always-friendly teachers run live Q&A sessions to answer your questions about how to budget successfully.Get Answers
Read Real Money Stories
We Had Missed 31 Mortgage Payments in a RowAfter years of financial chaos, missed mortgage payments, and thousands of dollars in overdraft fees, Sarah and Kevin knew something needed to change.
We Lost Our HomeNatalie and Larry went from living paycheck to paycheck to saving enough money to reach their dream of adopting a child (a big win!) and their savings account earning a penny of interest…for the first time ever.
How to Get a Month Ahead With Your Budget
How do you get a month ahead in your budget and start living on last month’s income? We’re so glad you asked! As you get going with your budget, getting a month ahead is key if you’re someone who is trying to break the paycheck to paycheck cycle. And it might take time, but you’ll …Read Blog Located in: Learn to Budget / Blog
10 Ways to Get a Month Ahead on Bills
Learn how to get a month ahead with your bills and budget for less stress, and you’ll never have to worry about late fees or overdrafting. We’ve got some ideas to get you started. Picture this: ten bills with the same due dates and instead of wallowing in despair, you just pay them—without panicking over …Read Blog Located in: Learn to Budget / Blog
How to Stop Living Paycheck to Paycheck
Living paycheck to paycheck is just plain exhausting. Do you feel this way? You’re certainly not alone. Most Americans are living just one paycheck away from financial disaster. The constant stress of worrying about your financial situation has a not-so-fun ripple effect. Finding more margin in your money is nice not just for your bank …Read Blog Located in: Learn to Budget / Blog
How I Went from Paycheck to Paycheck to Near Perfect Credit
We were a family of six barely surviving from paycheck to paycheck. It seemed emergencies were always popping up—a car that needed new brakes, a roof that needed repairing. We were in a desperate position of choosing between how to pay for the unexpected expense and still put food on the table. At the time, …Read Blog Located in: Learn to Budget / Blog
Are Payday Advances Bad?
App companies are making it easier for employees to get pay advances—but are pay advances bad? Here’s the TL:DR: Beware! It’s very likely pay advances will land you deeper into the debt cycle you’re trying to avoid. Jesse uses episode 393 and episode 394 to explain the recent rise in pay advance apps and what …Read Blog Located in: Learn to Budget / Blog
How To Break The Paycheck To Paycheck Cycle
If you are living paycheck to paycheck, you know it. You feel it nearly every day, in one way or another, and it’s awful. You are always scrambling and stressed. You are frustrated and tired. And let’s not even talk about overdraft charges. Because just, no. That is the bad news. The good news is …Read Blog Located in: Learn to Budget / Blog