026 - Backpacking and Rationing
When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.

When backpacking, you don't eat all of your food the first day. When you receive a paycheck, you don't spend all of your money the first day either. Also, handling a wildly variable income.
This church out of Idaho has been using YNAB as part of their bible study groups -- for SIX YEARS. I have a long conversation with them about how it's helped them, what they'd like to see improved, and tacos.
When it rains, it pours, right? Sometimes that's our own doing (and demise). Financially speaking, of course.
If you're not operating in reality, you don't know what you want. If you don't knowo what you want, you won't get it.
Can YNAB serve your business just as well? Well, YNAB's serving YNAB well.
Your budget has a boiling point. Dial it back a few notches so you can stick to your budget for the long haul.
I talk with Mason (who created our podcast bump music) about how his finances are now rockin' with YNAB.
Five minutes trying to convince you that adjusting your budget is not only correct, it's a best practice.
Are you too poor to budget? Absolutely not!
The debt snowball is tried and true, but what's the debt snowflake? It's more effective than it sounds :)
Automation is a two-edged sword. Used wisely, it will revolutionize your finances. Used poorly, it will do nothing for you (it may even hurt you, in a financial way).
Taxes are your life's single biggest expense. Cozy up with the tax code and minimize as if your financial life depended on it!
A YNAB success story interview with Brian from Portland. We wax philosophical about present you, and future you (Rules One & Two), and Brian talks about his transition from Quicken.
Baker and his wife had an epiphany the night their daughter was born. With the answer to one simple question, they found freedom. This will get you thinking!
"Simple ways to stop doing dumb things with money" is the tagline of Carl's book, "The Behavior Gap". Stop doing dumb things when it comes to investing? I'll take one of those please!
Erin Lowell, YNAB's head of Education, jumps onto the program to introduce our new New Year's Crash Course. One more way to help you get this money thing done RIGHT.
I discuss some of the whys behind our 12/2011 site redesign.
I interview Sheridan from Orange County, California. She's now been using YNAB for 2.5 years, and won't be going back to Quicken any time soon!
I relate my experience with BJ Fogg's 3 Tiny Habits program, and how that ties in so beautifully to budgeting--specifically staying on top of recording your transactions.
A few words on Christmas, why January's so important to your Christmas spending, and weak reports. Also, a hat tip to the best report of all.
One of the more embarrassing moments of my teenage years taught me a great lesson about budgeting, breathing, and the crushing effects of five pounds.
An interview with Brian from Massachusetts, a freelance video editor, that now feels content--even with a large drop in income.
Lavish spending. Your budgeting indulgence. No judgement here, as long as it's purposeful and done with total awareness.
The basics of Rule Two (Save for a Rainy Day), and then how you combine Rules One and Two to begin making VERY good financial decisions. This episode will answer the question you may have asked yourself, "I make enough. Why aren't I getting ahead?"
Wait, I thought we were budgeting. What's all this talk about goals, mini-goals, and habits? Yeah, you're not budgeting. You're becoming an unbelievably effective goal setter/reacher.
70% of people live paycheck to paycheck, but did you know the interesting part of that statistic that isn't often quoted? It will surprise you, and perhaps spur you on to decide that $1000 is the new $0. Rule Four, "Stop Living Paycheck to Paycheck" is discussed as it relates to doing hard things :)