YNABing

Do I Need a Savings Account?

You may be wondering, "Do I need a savings account?" Well, we've got the answer and the budget-based reasoning to back up our theory.

YNABing When You’re Barely Getting By

Learning how to budget when you're broke is a daunting prospect. Gain control over your spending regardless of how much money you have.

What Makes YNAB the Best Budget App for ADHD?

Budgeting can be a challenge, but budgeting with ADHD presents a special set of obstacles. Learn more about the best budgeting app for ADHD.

What’s a Fresh Start in YNAB (and How Do I Do One?)

Use the YNAB Fresh Start feature for a do-over. Add, delete or edit your accounts, categories and allocations—and if you don’t like it? Just go back!

8 Tips to Master Your Budget in YNAB

If you’re looking to jazz things up in your budget and become a true YNAB pro, then we’ve got a few tips and tricks to help you.

Welcome to the YNAB Wish Farm!

If you’re wondering how to save money without feeling restricted, the Wish Farm is a practical way to prioritize savings goals and spend intentionally.

Take Stock of Your Year with YNAB Reports

If you’ve got an appetite for reflection and nostalgia, well—what about looking at your budget? Nothing could be a truer history of what you did last year.

5 Budget Categories You Need Right Now

Expect the unexpected. Level up your budget categories by adding these five ideas so that "unexpected" costs don't catch you by surprise!

How Budgeting Was the Secret to Finally Quit Smoking

Melissa Schultz has smoked for as long as she can remember. Believe it or not, budgeting is what finally helped. Find out how.

What Is the Ideal Age of Money?

Rule Four tells you to Age Your Money. The idea is that you have money before you need money. But, how old is old enough? Well, it depends …

Learn YNAB’s Rule Three: Roll With the Punches

Understanding Your True Expenses (The Power of Rule Two)

This is Rule Two: Embrace Your True Expenses. Break up that larger, less-frequent expense into month-size chunks that you can manage.

What’s the Difference Between Budget vs. Bank Account?

YNAB let's you see your money from two different angles—in your bank accounts or in your budget. Same money, different organization.

How to Manage a Credit Card (Any Credit Card!) in YNAB

A quick walk-through on how to use credit cards in YNAB, stay on budget and finally crush your debts. It's all possible, and here's how!

What Does an Ideal Budget Look Like?

If you're wondering what an ideal budget looks like, we've got you covered. I've been budgeting for years. Here's what my budget looks like!

YNAB Starting Over: 3 Ways to Restart Your Budget

Slip-ups happen, but they're totally fixable. We even built a software feature to help you start over. Skip the guilt and let's go!

Find the Money First

One night, I ate part of a 1984 Yamaha 1000cc motorbike. It wasn’t a very big part, mind you (just a throttle cable and part of its housing).

What Does it Mean to Age Your Money?

Aging Your Money means getting to a point where you're living on money that you earned last month. We'll show you how to do it!

What are True Expenses?

True Expenses in YNAB are non-monthly bills and expenses like auto insurance, holiday gifts, or a tuition bill.

There Is No Such Thing As A Normal Month

I was chatting with a friend the other day, and she was talking about how it had just been “one thing after the other this month.” A new HVAC system (ouch!), an unexpected payment due to her accountant (unexpected because she thought she’d paid it seven months ago!), and the dog had to have surgery.

How to Use YNAB Reports in Real Life

Now that reports are here, (yay!) we want to help you get the most out of them. Sure, they are pretty to look at, but more importantly, all that glorious data can help you make more informed, meaningful decisions. Better decisions lead to better budgeting and more control.

Why Zero-Based Budgeting Works

Zero-based budgeting reduces financial stress by eliminating uncertainty. Learn why giving every dollar a job creates clarity, confidence, and control.

If You Aren’t Changing Your Budget, You’re Doing It Wrong

Change your budget as you need to. It will actually keep you going. Instead of feeling like a failure, you'll feel like you're winning.

Why Embracing Your True Expenses is Everything

As you pull together your list of larger, less frequent expenses, you can start estimating what they will cost and plan for them.