YNABing

Yep, Dave Ramsey's Budget Principles Jibe with YNAB

For those who are familiar with Financial Peace University (or even if you're not), here's how the seven baby steps line up with YNAB's system.

Can I Use an Offset Account in YNAB?

Offset accounts can be used in YNAB (like a HELOC or an authorized overdraft), but you'll need a little extra help to set them up.

This Category Naming Hack will Level-Up Your Budget

A little creative category naming can turbocharge your financial goals. Name your debts as villains, tie emotions into true expenses, and give your vice a category.

How to Make the Unknown Less Stressful

Recently lost your job or been furloughed? Here's Part 4 of how to manage your money with reduced stress no matter when you'll get paid again.

You Can Take Control!

How to Manage Money if You Don‘t Know When You‘ll Be Paid

Recently lost your job or been furloughed? Here's Part 1 of how to manage your money with reduced stress no matter when you'll get paid again.

How to Make the Money You Have Last Longer

Recently lost your job or been furloughed? Here's Part 5 of how to manage your money with reduced stress no matter when you'll get paid again.

The Dangers of Forecasting Your Money

When you budget only the money you have and ask yourself, “Can I afford this?”, you get a real answer. Yes. No. Not yet.

Jamie and Oscar Don’t Get Blindsided by Big Expenses

They Did It!

They didn’t think it was possible to completely flip their money script. But that’s exactly what happened.

Jamie and Oscar Start Saving for a House

Goodbye Stress, Goodbye Guilt

Money stuff used to keep Oscar up at night. Now that he budgets with YNAB, he doesn’t worry about money when he goes to bed.

Jamie Isn’t Scared of the Mailbox Anymore

She’s got a pile of money just waiting to pounce on the bills instead of the bills pouncing on her money. Fear: conquered.

New Feels at the Grocery Store

Normally, he was so stressed because he was always strapped for cash. But today, he had a budget and he just followed his plan.

Oscar and Jamie Do Something Fun, Just Because

They used their fun money category to cover an exciting event that their neighborhood holds annually without the added money stress.

Two Huge Wins for Oscar and Jamie

With their paychecks hitting mid-month and their immediate obligations paid off, they decided to pay off the whole balance on their card.

Oscar and Jamie’s Budget Routine

Jamie and Oscar had figured out their own habits for checking the budget. But one thing was true for both of them: they checked it every day.

Jamie Rolls with the Punches

She moved some money from her clothing budget to her coffee budget, and away she went for lattes. It was a great decision.

Oscar Swallows a Bitter Pill

He realized everything he made the prior day disappeared into an interest fee. He realized he was paying for this debt, and it was expensive.

Jamie and Oscar Set Up Their Credit Cards in Their YNAB Budget

Oscar sat down and added his credit cards to his YNAB budget and made a plan to snowball his debt payments.

Oscar and Jamie’s Lightbulb Moment

Jamie had a long-overdue conversation with her boss about a merit pay increase and Oscar started driving part-time for Uber for extra cash.

A Tale of Lobster and Fish Sticks

After learning Rule 1: Give Every Dollar a Job, Jamie and Oscar realized they need to just budget the money they have right now.

A Small Win Right Away

Jamie and Oscar have never been good with money and their finances feel like a mess. As they start budgeting with YNAB, they experience a win!

See Oscar and Jamie's Budget

Now they have a budget—now they have a plan. There was just a little something—a little spark—that lit inside.