When You’re Just Getting By
You work hard, but there’s never much left over. You’re trying to work with what you’ve got—even if it’s not a lot. Sometimes it’s alright, but sometimes it’s stressful.
You Want More Margin with Money
A roof over your head, food on the table: you’re keeping things running. Sure, it might not be fancy, but you don’t need much.
There’s always another bill to pay, or an unexpected expense that drains your account. You feel like sometimes you’re teetering on the financial edge.
We Started Keeping Money in Savings
Before using YNAB, Natalie and Larry were like many other couples—they were doing well enough to get by, but the stress of debt loomed. They had 13 credit cards and two personal loans without the extra money to pay them off quickly. “We always somehow managed to get the money we needed, but it’s never stayed in our account long enough to earn any interest,” Natalie said. Until it all changed when they started budgeting.
From Paycheck to Paycheck to Earning Interest
I don’t mean to brag, but I made money in my savings account! One whole penny! I have never earned interest in my accounts before!! Pretty darn proud of myself!”
-Natalie
-Natalie
Recommended Articles
How to Budget in YNAB When Things are Tight
It can be tough to build a budget when things are tight. Let’s walk through what you can do—right out of the gate—even if you’re short on cash.
6 Steps to Make Your Money Go Further
You want your current stash of cash to last as long as it can. Here’s how to take your pile of money and make it build a bridge as far as it’ll take you over the murky bog of the future.
How to Get a Month Ahead With Your Budget
If you are trying to break the paycheck to paycheck cycle, getting a month ahead is like taking a giant step away from that pit. Here’s how to get ahead.
You Might Also Like…
-
Our $298 Grocery Budget for a Family of 5
My family has always lived on a pretty tight budget for groceries. We’ve had such big financial goals, it made sense to cut back where we could. But I haven’t felt deprived. I think we eat very well. And, to be honest, I thought our grocery budget was typical. It was normal to me because …
Read Blog Located in: Learn to Budget / Blog -
How to Spend Less Money Starting Now
Everyone deals with excess spending a little differently: some of us opt for an intense all-out sprint approach to financial health while others plod on with slow, steady consistency like hitting a daily step goal. Whatever your intensity level, we’ve got ten ideas on how to spend less money. Prefer to watch instead of read? …
Read Blog Located in: Learn to Budget / Blog -
We Live in British Columbia with 2 Young Kids and Make $48,000 CAD/Year
Welcome to YNAB Money Snapshots—where you see a real picture of someone else’s budget and finances. They’re all anonymous, because sharing money is still a squirrelly topic for many, but we think airing them out in the open makes you better with your own money story. As you read these budgets, keep in mind that …
Read Blog Located in: Learn to Budget / Blog -
How to Know What You Can Afford
We can’t change the fact that you don’t know exactly when or how much money you’ll bring in this month, but we can teach you to be in total control of the money you do have right now, and stress a little less about it. This eight-part series will teach you exactly how to budget …
Read Blog Located in: Learn to Budget / Blog -
Living Within Your Means
What does it mean to live within your means? Living within your means is when you are making more money than you are spending. Creating a monthly budget and sticking to a spending plan can help you get to a point where you have enough money to routinely cover your monthly expenses, financial priorities, and …
Read Blog Located in: Learn to Budget / Blog -
We Live in Rural Montana, Have 3 Kids, and Make $33K/Year
Welcome to YNAB Money Snapshots—where you see a real picture of someone else’s budget and finances. They’re all anonymous, because sharing money is still a squirrelly topic for many, but we think airing them out in the open makes you better with your own money story. As you read these budgets, keep in mind that …
Read Blog Located in: Learn to Budget / Blog
Try YNAB Free for 34 Days. No Credit Card Required
You can move from just getting by to getting ahead. What are you waiting for? Start your budget today!
