You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 11 months ago
I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 12 months ago
If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: about 1 year ago
Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 1 year ago
Aside from all the other advice, get a subscription to YNAB (youneedabudget.com) and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: about 1 year ago
Am I the only one that's still working on the old youneedabudget.com domain? Is this a slow rollout? Source: about 1 year ago
Anyone who does not want to be victim of phishing, identity theft, etc. Yes, I am also pretty sure that ynab.com used to redirect to youneedabudget.com. Source: about 1 year ago
Looks like YNAB changed or redirected their URL from youneedabudget.com to simply ynab.com. Source: about 1 year ago
Youneedabudget.com should get you started. It has an annual fee but financial peace of mind I have now is worth it to me for about $100/yr. They have a 30-some day intro trial, I believe. It generally takes a couple weeks to get into the swing of it, but once you do I would argue you won't feel comfortable managing money any other way. Source: about 1 year ago
Sign up for https://youneedabudget.com immediately and start following the four rules and creating (and sticking to) a budget. Unless you do this, you'll be back in debt very soon. Use this $30,000 gift as your first step into financial security. Source: over 1 year ago
I’ve used YNAB for almost three year. Game changer for me and they have a great Reddit community. I sync my Checking, Savings and Signature Visa. Works perfectly. Source: over 1 year ago
Another note, I personally don't like the 50/30/20 rule. I have always watched my budget closely, I started with my own excel tracking then several years ago switched to YNAB (youneedabudget.com) and its been really great. Once you know exactly what your spending on bills, then you can figure out what to do with the rest of that money. You are young yet so have plenty of time to figure things out, the important... Source: over 1 year ago
Sounds like You Need a Budget. http://youneedabudget.com/ They recognize that "budget" is a scary word, which is why they promote you do what you need to do with your money. Source: over 1 year ago
The more important part of building your credit is budgeting. I use a tool called ynab. If the annual price is too steep look up envelope budgeting. This is the most important thing you can learn to keep yourself out of credit card debt. Source: over 1 year ago
Making budgeting a new life skill (and finding an app you like enough to use) http://youneedabudget.com. Source: over 1 year ago
Setup a budget if you haven't already. See youneedabudget.com and r/ynab for help. Source: over 1 year ago
See http://youneedabudget.com (YNAB) for explanations and training, or check out Nick True Mapped Out Money on YouTube. YNAB is pricey, but it's really slick. If you cannot swing it, at least learn the principals. Source: over 1 year ago
Variable income,works really well with YNAB ( http://youneedabudget.com ) because you plan and budget only with the money you have so no guessing about future income. Source: over 1 year ago
You need a budget. You can make your own, or sign up for youneedabudget.com (not an advert, I use it and it transformed my personal finances). Source: over 1 year ago
I've been using https://youneedabudget.com/. Check out subreddit r/ynab/. Source: over 1 year ago
And not a book but I've been using youneedabudget.com this year and paid off $2,300 in credit debt. It's $14.99 a month but so worth it for me. Source: over 1 year ago
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