If you’re new to YNAB, you’ve probably found yourself wondering how to stress less about money at some point. We’re even willing to bet you might’ve tried budgeting before. It could have been something like this.
You have decided that you need to create a financial plan. You created a list of your expected income, and expenses. Although it took some time, it was worth it. By checking your bank account more often, you could keep track of how much you spent. When life didn’t go as planned, the budget couldn’t keep up. It felt like a big letdown—a new source of financial anxiety, even. You then decided budgeting just isn’t for you. Or maybe you’ll try this whole “responsible money management” thing again in a few months when life “calms down” and you feel more in control.
But it’s not your fault that your budget didn’t work. It’s because you were using a flawed system. There was no way to determine what was most important. There was no guarantee that the month would go as planned. There was also no room for flexibility. As soon as life didn’t line up with your predictions, that monthly budget failed in one giant womp-womp bummerfest.
Now for the good news: there are It is A budgeting…