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!

6 Jan 2016

The Problem With Deferring Decisions

Below Read More
by Jesse Mecham

We launched the new YNAB exactly one week ago. It’s been a little bit crazy, mostly the good kind.

Now that many of you have gotten in there and tried the new product, you are starting to realize there are some fundamental differences from YNAB 4.

It’s true. We made some philosophical reinforcements to the YNAB method in the new YNAB. One we’ve been hearing a lot about centers around how you deal with reimbursement expenses, or—at the 3,000 foot view—Rule Three: Roll With The Punches.

This is a workflow that we completely revamped in the new YNAB and we know it is an adjustment if you are used to doing it a certain way. I am one of those people who is affected. I’ve carried negative balances forward since as long as I’ve used YNAB. And I had to ask myself, “Wait, how will I do this now?”

But here is the key point, there is money you have spent and that spending needs to be addressed. As you address that spending, you will find Rule One: Give Every Dollar A Job, is strengthened.

And I don’t just mean this in light of reimbursements, I mean many of us (myself, included) would employ Rule Three in such a way that we could defer decisions because of overspending. I could look, overspend a little bit on vacation like this last month, and say, I will handle that later.

Deferring the decision is the core problem. With the new workflow you are making decisions now, based on now. And your category balances are accurate.

(Watch the video. It really helps to understand where we are coming from.)


If you can’t wait until next week for more whiteboard wisdom, you can subscribe to our YouTube channel here. If you have a question or an idea you’d like us to address in a future Whiteboard Wednesday episode—we’d love to hear from you—at [email protected]

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