Do You Need A Budget?

The short answer is YES.

The longer answer is yes, but it isn’t what you might picture when you think of a budget. A budget doesn’t have to be complicated, restrictive, or tedious. In fact, it feels incredibly EMPOWERING to know exactly where every dollar you earn goes, to build your safety net savings, and to watch that bank account grow!

Enter YNAB (you need a budget). I LOVE this software. Personally I have 5 budgets and I check them every 1-3 days. It takes less than 5 minutes to check in on everything and make adjustments as necessary. Because with YNAB your budget is FLUID and ADAPTABLE to the changes in your life. If something unexpected comes up, (1) you’ve been planning for it, and (2) you can “move” funds from another category to cover it.

For me I need to actually visually see where every dollar goes, as opposed to trying to keep track of everything in my head. Before I started YNAB I thought I knew where my money went— financial tracking is what I do for a living, afterall. But once I started using YNAB my spending actually decreased, my bank account increased, and I never worry if I’ll have enough in my bank account to cover my credit card payment.

The best way to see this magic for yourself is to try YNAB’s free trial. Use my referral code and if you like it and sign up, we both get a free month. I’m also available to help with setting up your budget because I love this program so much I want to help you love it, too!