YNAB’s four rules helped me become more proactive about my spending because I checked the app before buying anything. SAMPLE: YNAB budget home screen on a desktop When I overspent on groceries for the month, I had to move money from another one of my budget categories to make up for it - which is the third rule.ĭespite several unexpected expenses during both months of my experiment, I managed to save an extra $600 using YNAB’s method. YNAB’s method gave me a reality check a few times. Using YNAB’s smartphone app to log transactions is so quick and easy - I usually got it done before even leaving the store. However, I chose to keep my accounts unlinked and manually entered transactions instead. Like Mint and Personal Capital, YNAB connects to your bank accounts to monitor your transactions.
What’s so special about YNAB? The four rules. How to Apply the YNAB Method Using Google’s Free Budgeting Spreadsheet Years later, I frequently check both Mint and Personal Capital to make sure that I’m spending less than I earn. While in my mid-20s, I diligently tracked my income and expenses during the two years and two months that I spent aggressively paying off my $86,000 mortgage. I spent two full months testing out YNAB (You Need a Budget), a subscription-based budgeting tool, and it completely changed the way I manage my finances.īudgeting has always been one of my strengths.
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