YNAB

If you have a large expense coming up in a year, take the amount you'll need, divide by twelve, and set that amount aside every month. Future you will thank you! ? Or even better, let YNAB do the math for you. ?? We've all heard that slow and steady wins the race. ?? Apply that rock-solid wisdom to spending and saving by setting aside small, manageable amounts to cover big, irregular costs. Our template for non-monthly expenses makes everything in life a little easier! Get the template ? https://lnkd.in/gsnRKidV

YNABers, assemble! ?? Sometimes you need to be around people who just?get it—and that’s what YNAB Fan Fests are all about. At Fan Fest, you will.. ?? Have access to never-before-seen YNAB merch. ?? Meet fellow YNABers who are on the journey of creating a well-spent life. ?? Get to know your favorite YNAB personalities. ?? Have deep discussions about YNAB, money, and life. ?? And so much more! Info for the next Fan Fest: ?? Date: April 26, 2025 ?? Location: Julep Venue, San Diego CA ??? Tickets: Seating is limited and tickets are going fast! I'll be there, along with Jesse Mecham, the Budget Nerds, and other YNAB teammates. ?? - Sarah Snag a ticket while you can ?? https://lnkd.in/g-rmzgKB

Yes, even YNAB employees fall off the YNAB bandwagon once in a while. ?? ?? We're all human. Life is life. It's okay to start over sometimes. Hannah chatted a few YNAB team members, asking about a time when they fell off the wagon, and their advice for starting over. ?? Their answers may surprise you! Watch here ?? https://lnkd.in/gxquVFHB

?? Your money is meant to be spent. Most financial apps are designed to help you spend less money. At YNAB, we think differently. ?? ??? You put time, effort, and energy into earning money. You deserve to spend it in a way that is aligned with your priorities and the life you want to live. ? Does that mean spending every dollar of every paycheck before the next one arrives? Of course not. Some of your spending will happen this week. Some next month. Some far into the future. ?? The important part is, you decide how you want to spend it BEFORE the spending even happens. ?? Whether it's bills, vacation, a peppermint latte, or retirement, each of your dollars should have a specific job. ??? ?? No guesswork. No stress. You have peace of mind knowing exactly what you're spending your money on, now or in the future. ?? So make a plan for your money, and then SPEND IT, guilt free! ??

"YNAB has removed the stress of money from my life and in doing so has helped make me a better husband. It's like I got to remove a personal flaw I had never been able to fix. My wife and I started using YNAB in January of 2020. It only took a couple months for everything to click into place. We quickly felt as though we had control, but then the world turned upside down and my wife was laid off due to the COVID-19 pandemic. But for the first time ever, and in the most extreme of circumstances, I was not worried about money." - Kyle, YNABer since 2020 Try YNAB for a month: https://lnkd.in/gaWcR4sA

3 money tips for when you're feeling stressed: ? The 5-minute rule: Managing your money doesn’t have to be overwhelming or time-consuming. Taking 5 minutes a day to check in with your money plan can greatly reduce your money stress. ?? Prioritize self-care: When life gets stressful, move some extra money to your self-care categories in YNAB. That way you can treat yourself to a feel-good purchase when you need it, no guilt required. ?? Take one small step: If you’re feeling overwhelmed by all your financial goals (or just by life), take a moment to breathe and think about one small step you can take toward where you want to go. Click for more self-care tips from YNAB: https://lnkd.in/gwNPWfQA

?? How to stay out of credit card debt, YNAB edition: ?? Step 1: Give every dollar a job in YNAB, setting money aside for all your spending priorities, like bills, groceries, etc. ? Step 2: Add your credit card to YNAB as a new account. When you do this, YNAB will automatically add a credit card payment category. This category holds the money for your next credit card payment. ?? Step 3: Check YNAB before you spend to make sure you have enough money set aside for the purchase. For example, if you're going grocery shopping, check your groceries category first. ?? Step 4: Spend money on your card and record the transaction in YNAB. So if you spent $124 at the grocery store, record that as a spending transaction on your credit card account. ? Step 5: Watch the magic happen. YNAB will automatically take the money out of your spending category and add it to your credit card payment category. For this purchase, YNAB will take $124 out of your groceries category and move it to the credit card payment category. You'll never have to wonder if you have enough to pay back your card again! ?? ?? Watch this recorded workshop for a step-by-step guide on using credit cards in YNAB: https://lnkd.in/gWEMJ-xF

New month in YNAB checklist: ? Make sure your Ready to Assign number is $0. ? Check over your categories to make sure that your?Available?amounts reflect your priorities. If needed, you can move money?around. ? Check over your account balances and make sure they're reconciled. ? Pat yourself on the back for starting the month with a clear plan for your spending that's aligned with your priorities. ?? ? Maybe even buy yourself a little treat. ?? ? Tell a friend about YNAB. ?? The first of the month is a great time to get started! Learn more about the monthly rollover ?? https://lnkd.in/gPEJ3B_G

?? Hot take: Trying to "spend less money" doesn't work. Hear me out... ?? When your only financial goal is to spend less money, your only focus is on what you CAN'T do. This sort of restriction only goes so far until you find yourself right back where you started (or worse). Instead, ask yourself, "What do I want to spend my money on?" and give every dollar a job. When you do this, your money is aligned with your priorities and the life you want to live. ? When your money is set aside for what you WANT, you'll be confident about every spending decision you make. You'll be spending more on what's important to you, and less on what's not, no willpower required. ??????

Hi YNABers! Our website is currently down and we're working on getting it back up and running ASAP. In the meantime, you can still sign in here: https://lnkd.in/gpyCh98K