Looking to make some financial progress with your 2021 money goals? Set yourself up for success with this resolution toolkit.
New Year’s is an underrated holiday. I’m not talking about New Year’s Eve—which is wholly overrated if you ask me, since I turn into a potato the minute the clock strikes 10pm. But I do love the day after—the clear, crisp hope of January 1. There are no plans, no schedules, no traditions to maintain. On that day, most of us find ourselves with a free day of sleeping in and a deep, burning motivation to better our situations.
If your 2021 resolution is of the money variety (you want to save more, pay off debt, get a handle on your finances), we’ve got all sorts of fantastic tools for you to reach your goals in 2021. Whether you’re entering budgetland with wide eyes and a little nervousness, or you’re a seasoned YNABer with 10 years of perfect data, we’ve got something for everyone.
And guess what? All of these options are free, free, and free. They don’t cost a cent or require any credit card commitment to watch, sign up, or benefit from their monied wisdom. And yes, that leaves you with one fewer excuse to not join one. 😉
Check ’em out:
The 34-Day Reset Challenge
What: Push the reset button on your spending with a 34-day money challenge to get you closer to your financial goals.
What would you do with $1,000 just over a month from now? Well, decide quick—because for this challenge, you’re going to do just that.
Before you start the challenge, you decide what it is you want. Maybe it’s to save for a vacation (fingers crossed 2021), buy that gorgeous jacket you’ve been eyeing, or even to build a bigger emergency fund. Then, for 34 days you follow three daily rules to get there—the average participant saves $1,000 or more!
34-Day Reset Daily Rules:
- Track your spending.
- Only buy essentials.
- No eating out. (I felt you wince there, I know I sure did!)
At the end of 34 days, you’ll have a guilt-free pile of money to get what you want. And just like that BAM—your money is lined up with your priorities.
Perfect for: Anyone and everyone trying to get in better financial shape. This is ideal for the person who is self-proclaimed “terrible with money” to take the first step for better financial health, but even the most seasoned budgeter will find value in pushing reset if you’ve hit a plateau and want to refocus.
If your goal is to pay off debt, we highly recommend joining the Debt Bootcamp for all the added support and training it provides (details up next!)
When: Sign up anytime and get your downloadable workbook to fill out before you begin your challenge!
Do I need to use YNAB? Optional
The January Debt Bootcamp
What: A four-week intensive program specifically focused on paying off debt. It’s run by our delightful community manager, Ben B., and you’ll learn the secret to getting out of debt (and STAYING out of debt), be motivated by the community around you doing the same hard work, and you’ll have resources and encouragement every step of the way.
Who it’s for: If you’re a YNABer trying to pay off debt, we can’t recommend this bootcamp highly enough! We’ve seen so much success from participants in past bootcamps and many pay off thousands during this sprint. Make this the year you finally tackle that debt!
When: The bootcamp kicks off Monday, January 4, but you can join the private Facebook group anytime!
Do I need to use YNAB? Optional
The Self-Guided Debt Video Course
What: While the debt bootcamp mentioned above is a fully immersive community, if you prefer an independent study approach, this video course will guide you through making a debt plan and the secret to staying out of debt. There are 14 lessons led by the hilarious Hannah and Ben M., with a total runtime of just over an hour.
Who it’s for: Anyone who is fed up with debt and ready to be free of it but doesn’t know where to start. Much of the learning material from the debt bootcamp is covered in this course, but if you really want to get traction in your debt payoff, we recommend using the video course as an introduction to debt payoff while also joining the Debt Bootcamp community for added firepower.
Do I need to use YNAB? Nope!
The Get Started Bootcamp
What: A one-week bootcamp for anyone starting with YNAB. You’ll have bite-sized lessons each day from the oh-so-wonderful Dave—who will guide you through everything you need to know to get started in YNAB in his fantastic British accent. By week’s end, you’ll have a fully functional budget, newfound knowledge on successful money management, and all the confidence you need to make 2021 a successful one for your finances.
Who it’s for: The brand-new budgeter or the person who’s tried before and it didn’t stick. You’ll learn how to set up your budget, you’ll make a budget template, plus you’ll get extra guided support, extra encouragement, and a guaranteed model for success.
Do I need to use YNAB? Well, since we teach you how to get started on YNAB…yes. But we have a free 34-day trial so no cost to you within that time frame.
When: Bootcamps kick off Monday, December 28 and again on Monday, January 4 (and every first Monday of the month in following months). Recordings of live events are also available in the group anytime.