Getting Serious About Budgeting

Budgeting is a serious matter!
Actually taking your money seriously can help you out a lot!
I’ve always thought I’m pretty good at saving, and so I am, but recently, I’ve taken my daughter’s advice, and got a budgeting app, and it’s making a big difference. I used to spend what I thought I needed to, and saved the rest. This was good. However, now I use a budgeting app, and I’m finding that being strict about my budget means that there is a lot more money for things that I need.
We’ve just had some unexpected expenses of the, “replace the wall oven”, (NZD2000), and “remove the giant phoenix palm tree that’s putting all its roots into the neighbours drains” $3000, and I’ve been able to pay for them both without going to the credit card, or even the savings accounts.
That’s thanks to YNAB.
YNAB means – You Need A Budget.
And you do!
The app costs money, but using the budget, you’ll find you pay for that pretty quickly out of savings, and certainly, on the user forums, nobody’s worrying about the cost. Yes, you can budget other ways, nobody’s saying you can’t! You can do it on paper if you want. But YNAB certainly makes it easier, more visible, and enables you to track your income and expenses and work out how to save for sinking funds etc. You can learn how to get your debt under control if that’s a problem for you.
YNAB has a method that you learn by taking the online classes, watching videos, or listening to podcasts, and there are very friendly and helpful user groups. It’s quite a big job to set up, and it took me a while to work out the ins and outs of it, but I’ve decided it’s well worth it!
There is a one month trial, and I’ve learned (too late for myself) that if you want to ask for a couple of extra months free trial, then they tend to be kind.
I do have a referral link that you can use if you wish. It gives you an extra month free, and also gives me a free month.

You Need a Budget – Yes you do!

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