Menu
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.

Close

The legal stuff

Agree to the Terms of Service and Privacy Policy to continue.

Start taking control 
of your money today!

Close
17 Oct 2018

What Does This $4 Drink Have to Do with Your Budget?

Below Read More
by Shannon Marie

Get what you want, when you want it, worry-free.

Starbucks’ pumpkin spice latte came early this year, making its debut on August 28. And, if $6.9 million in sales of pumpkin-flavored products are to be believed (Nielsen says they are), then I’m betting that more than one of you purchased your very own cup of the fall favorite.

The question is, did the aroma of spiced sweetness lure you away from your budget? And, while we’re on the subject, what other expenses have popped up with the changing of the seasons? Back to school supplies, warm socks, jackets, moisturizing lotion, rock salt, wood for the fire, a cozy bed for your pup … it all adds up.

And It’s a Great Time to Revisit the Rules

Whenever your behavior patterns change (like with the seasons), it’s important to reevaluate your budget—specifically, how will your priorities affect how you go about YNAB’s first two rules? While your air conditioning-related electrical expenses plummet, you might, for example, find yourself grabbing more warm beverages on the go.

So, when you sit down to budget, consider the following:

Of course, you can lean on Rule Three and roll with the punches if you forget something (which is totally fine), but the more you plan ahead, the better off you’ll be. When you anticipate expenses, it puts you in control. You’ll have an easier time increasing your age of money, which is how you break free of the dreaded paycheck-to-paycheck cycle and crush your financial goals!

Build Success into Your Budget

The more you pay attention and capture your true expenses each season, the better you’ll get at planning ahead for the next year—and not because you’re smarter, but simply because you’ve mastered a little lifehack that I like to call “capturing reality in your budget”.

So, if you want a pumpkin spice latte every day in October? Go for it! And set aside the roughly $124 to do so, guilt-free. By planning ahead, you can simply budget $11 per month, every month, so that it doesn’t hit your bank account all at once. (Of course, if you don’t want to spend that much on PSLs, you could go the DIY route, too.)

Related Articles

Reverse Engineer Your Cheer (a.k.a., Countdown to...

January 30, 2018 | 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.)

WANT TO BE NOTIFIED OF NEW YNAB ARTICLES?

We send one email a week summarizing all the best budgeting reads.

No thanks

YNAB.

Follow YNAB to get support and lots of great ideas on budgeting