Got Five Minutes?

Debt is the worst. It holds you back. It stresses you out. It hinders your ability to make good decisions and your future in general. Ugh. Debt. Now, what are you going to do about it? Pay it off! How are you going to do it? By budgeting! (We were chanting that like a cheer, just in case you want to go back and re-read it properly). You can pay off your debt. This is kind of our thing. This is what we do. Here’s how.

We’re not marriage counselors. But we do understand budgeting. And we’ve seen what it can do for marriages. No, we can’t tell you what behavior you’re exhibiting when you do A and your partner does B… but we can tell you what behavior will put your finances back on track. Your communication will improve. Your guilt will go away. Your anger will subside. And you’ll be dealing with your finances together.

You’re quite sure that “variable income” is synonymous with money stress. And so are we. You’ve tried to forecast. You’ve tried to budget. Nothing works. The good news (yes, there’s good news!) is there are a couple simple reasons why what you’ve tried in the past hasn’t worked. And better yet, some very specific solutions to change your relationship with money. We can teach you to be in control of your finances no matter how unpredictable your income.

Only 30% of Americans have broken the paycheck-to-paycheck cycle. The other 70% are less than one paycheck away from financial disaster. So, how can you break free of this vicious cycle? YNAB will help you work toward living on last month’s income. It won’t happen overnight, but if you follow our rules, soon enough you will get there: what you make in January, you won’t need to spend until February, allowing February’s income to serve as a buffer, creating reserves, until at least a month later when you need to spend it. Once you experience the freedom, you’ll never look back.