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Budgeting: Choosing Expense Categories

I started using YNAB in 2012 and it’s still one of the best budgeting tools I have come across. For someone interested in early financial independence an effective budgeting tool is critical. Budgeting is probably not a necessary exercise if you’re naturally frugal but it seems necessary for the rest of us. I spent 2006-2012 […]

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My Spending Workflow with YNAB

I have my YNAB app installed on my phone so that whenever I make any purchases I enter it into the app. Later, when the transaction is downloaded from my bank, it’s matched to my entry and I’m done. That’s the gist of my spending workflow using YNAB.    Spending Workflow Recording Spending I go […]

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Budgeting With 1 Week Left Before The End Of The Month

I thought this might make for a fun post; as fun as dancing in a field of poison ivy. It’s August 25th and I have a week left before the end of the month. Even though I budget for 1 calendar month at a time, all my expenses are broken down over the entire calendar […]

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Budgeting In Order To Meet Your Financial Goals

YNAB Makes Budgeting Too Easy To be truly successful you must set goals, break down the steps towards the goals, set milestones along the way and be able to evaluate outcomes. I am not naturally frugal. Leave me to my nature and I will wake up and walk to the coffee shop, order a pastry […]

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YNAB

You Need A Budget, YNAB   I have no financial partnership with YNAB. I won’t get paid if you decide to use them or decide not to use them. They’re not paying a dime towards my hair transplantation. With that out of the way… There are so many ways to budget your income towards your […]