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1 Jan 2018

This Year, Put an End to Your Money Worries

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by Shannon Marie

If you think about money in terms of feast or famine, think again. There’s a sweet spot in the middle, and you’re invited!

You know that euphoric feeling of cruising through your favorite store (in real life or online), plucking up something that catches your eye, and deciding “Hm. Yeah, I’ll take it!”

Or perhaps you’re more prone to put your cash down for experiences, like plane tickets to a winter getaway. Or maybe you just like the freedom of eating out whenever, and wherever, you like: “I’ll take a triple, venti, half-sweet, non-fat, caramel macchiato and, what the heck, a blueberry muffin! Dinner’s not for another two hours.”

… but deep down, if you’re really honest about it, underneath the fleeting excitement of spending that cash, your heart sinks. Your “fun” purchase just added another layer of stress to your already stressful money situation.

You’re Stuck in the Worst Kind of Catch-22

We hear about it from new budgeters all the time: you’re chronically stressed about money, and—the cruelest of ironies—only find relief when you’re spending it. In those fleeting moments of spending, you feel in control and happy.

But then reality catches up. It’s going to be tight until payday (and nearly impossible without your credit card, again). If only you’d waited to buy those jeans. Or postponed the mini-vacation. Or packed your lunch last week!

And when your next paycheck arrives? Sweet relief! Let the spending begin! The pattern continues.

It Doesn’t Have to Be This Way

If this cycle of abundance and scarcity sounds all too familiar, then let me introduce you to a third option. There’s a sweet spot between spending and, well, an empty bank account. It’s called financial peace. Instead of bouncing between extremes like a ping-pong ball, rest for a minute, and consider this:

What if you could heal your finances
and enjoy buying the things that you really want most?

Financial peace is hard to imagine if you’ve never experienced it before. And it’s especially hard to believe in if you’ve already tried budgeting, and it didn’t quite deliver your dream life. But, it’s real! You can drastically minimize (if not eliminate) the stress and desperation that you feel about money—even if you don’t have very much of it! I speak from experience. But don’t take my word for it …

Give (Financial) Peace a Chance

So, how do you get to the magical land of Financial Peace? If you’re clued-in to the general message here at YNAB, you probably suspect that you’ll need a budget, and you’d be right! If you don’t already have one, or even if you’ve tried YNAB before and it didn’t stick, go grab a free, 34-day trial. That’s Step 1.

And it’s a big step, ripe with possibility, like total control of your life and savings in the bank (the average new YNABer squirrels away $6,000 in the first year!). But you have to actually budget:

Budgeting is when you make a concrete, realistic plan
for the dollars that you have in your possession, this minute,
in order to attain your desired future outcome.

And we already know, your “desired future outcome” involves spending some money for fun, not total deprivation! Right? That’s why we’re here, after all: to avoid the famine!

Make Budgeting Fun

So, here’s Step 2. This is the fun part, in case my heading didn’t tip you off. I want you to practice the part of budgeting that everybody forgets about. You can call it ‘wiggle room’ or ‘fun money’ or ‘planting wishes’ …

Most people start budgeting and focus only on their obligations. They think there’s not enough cash for fun, or worse, that a budget is supposed to keep them from spending money for fun. That, my friend, is not how you win the long-game.

Nope, instead, I want you to choose something enjoyable to spend your money on. What was missing under the Christmas tree this year? I want you to pick something that you could realistically afford within a month, if you set aside a little cash every payday. Now set a goal in YNAB to save up for your something.

The Joy of Intentional Spending

Step 3: go spend the money on the thing!

Now, if you’re carrying a lot of debt or have extra-small paychecks, this might feel like the wrong way to go. Surely, these dollars can be put to better use, right? Don’t talk yourself out of this purchase—even Jesse budgeted a bit of fun money when funds were tight!

And you should, too, because that’s how you really learn to fall in love with budgeting. You’ll never experience a greater shopping high than spending money that you’ve planned to spend. There’s absolutely no shopping hangover. No guilt. Just pure enjoyment of your purchase.

Instead of feeling worried, you’ll feel empowered! That, my friend, is a little taste of the financial peace that’s possible for you. Give it a shot, it’ll change your life.

Need More Pointers?

Make sure you check out YNAB’s free, online workshop, Rule Your Budget and Roll With Your Overspending, which is packed with information and inspiration to help you finally conquer your cash flow. And bring your questions—these workshops are interactive!

Related Articles

“I Hate to Budget but LOVE Budgeting With YNAB.”

November 3, 2017 | by Shannon Marie

How to Create a Budget Template

October 26, 2017 | by Erin Lowell

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.)

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