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.
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