Save Your Money Before Even Starting Your Budget With YNAB

by BluePop13 on December 3, 2009

Getting and staying out of debt is a great way to spend the holidays, especially Christmas. Why not get your finances in order like you probably have been meaning to do all year but just didn’t know where to look. YNAB can help.

YNAB (You Need A Budget), as I mentioned in another blog post recently and a rather long one at that, is software that lets you manage your money with four rules that make cash flow simple to follow and help you by showing you what you really spend your money on.

1) Stop living paycheck to paycheck. Almost everyone I know still lives this way and it surprises me greatly. When you are living on last month’s income you really do have peace of mind because if you miss a paycheck for whatever reason you are still doing good.

2) Give every dollar a job. When you assign every single dollar that comes into your life a job you are taking control of your money and not letting your money take control of you. This way, you know exactly what every single dollar’s job is and it does it as it should.

3) Save for a rainy day. Everyone knows that little things in life pop up. Hospital bills are pretty much the number one reason for debt in America. Credit cards are after that. Forget the credit cards and start using cash. Don’t worry about those little or big things in life that come up and be prepared for them instead.

4) Roll with the punches. Sometimes we all make a mistake and overspend just a bit. It’s natural and only human of us. Instead of throwing away the budget and letting those negative thoughts enter your mind saying you can’t do this, take control. Let ynab make a small adjustment for you and start off the next month with a clean slate. This is my favourite rule and who knows, you might love it too!

Those are the rules. Check out ynab.com for more information and when you order your copy of the software use the coupon code: “bluepop” (without the “”) and get 15% off! Go check it out.

Eric
www.bluepop13.com

Related posts:

  1. YNAB 3 Is On It's Way
  2. Spend Your Money Not Borrowed Money This Christmas
  3. Y.N.A.B. (You Need A Budget)
  4. Cool Things To Have: Cell Phone, Budget, A Job… In Reverse Order
  5. Save Time By Sharing Your Thoughts With The World Today, Not Tomorrow… Start Your Blog Now

Tagged as: Budget, Discount, Money, Savings, ynab, youneedabudget

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