![]() ![]() If you go over on an area of your budget that has suddenly become high priority, move funds from an area of your budget that is of lower priority this month. Roll with the punches – Be flexible! We never know what is going to happen in the future and that’s okay. ![]() Start planning ahead of time for worst case scenarios, major purchases, and events. Embrace your expenses – Don’t shy away from expenses that are inevitably coming.Give every dollar a job –This kind of like the old school “envelope method” – a system for allocating where your money will be spent before you spend it.Work smarter, not harder, isn’t that how the saying goes? YNAB Proven & Award Winning 4 step system for budgeting: TBD They also taught me simple, but effective ways to save money. Today, YNAB has helped me all but reach debt-free status (wow, does that feel good to say!). I was still in debt and didn’t have much of a savings to speak of. Now, I wasn’t living paycheck-to-paycheck when I started using YNAB, but that doesn’t mean I was managing my money well. Although my method worked for immediate situations, it did not help me plan for the future or any kind of emergency. I’m here to tell you that their design WORKS!!Ī few years ago, I was living paycheck-to-paycheck, just making sure my bills were paid, I’d pretty much do whatever I wanted with the leftover funds. YNAB was designed to help you do three things: stop living paycheck-to-paycheck, get out of dent, and save money. The only way we’re all going to get better at managing it is if we start having an open conversation about what works. I’m very passionate about educating my community – especially the black community – because money has been considered a taboo topic for too long. To say that I like this budgeting app is an understatement! I really want to share how YNAB works, what it has done for me, and what it can do for YOU. Now, you guys know that I would never introduce you to anything that I have not already tried. I’m not sweating it because I use You Need A Budget (YNAB) – an amazing budgeting app that has helped me and my husband take control of our finances! I went a little bit over budget in the coffee category, BUT it’s okay. I’ll admit that things got a little out of hand between myself, PSL frapps, and Pumpkin Cream Cold Brew last month. I already know I’m going to be making more Starbucks trips than should even be allowed. I actually have to carve out a little bit of extra space in my budget every time fall rolls around. There’s nothing I love more than pumpkin spice season! And when I say nothing, I mean… NOTHING. A huge thank you to, YOU NEED A BUDGET, for sponsoring today’s post. ![]()
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