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Make Your Money Go Further

Imagine a world where late fees and overdrafts disappear forever.

You're Counting the Days to Payday

There’s barely enough money to get you between this payday and next. You’re running on fumes until the next paycheck arrives. Living like this? It’s exhausting.

We’ll teach you how to live on last month’s money so you never feel that razor-thin financial edge again. You can stop worrying about maxing out your credit cards, collectors will stop calling, and those once-frequent overdraft fees will vanish into thin air.

We're Here to Help

We want to help you build more margin into your budget, your bank account, and in your life.

  • 1. Start Your Trial

    Try YNAB for free. Poke around a bit. Decide if this is the tool for you!

  • 2. Make Your Budget

    Create a buffer with your money and track your progress with a budget.

  • 3. Get Ahead

    Watch your money stretch to payday and beyond and build a financial security blanket.

Break the Cycle for Good

When Dana Kay saw that the woman in front of her at the grocery store had her card declined at the register, she immediately swept in to cover the woman’s costs. That’s when she realized how far she had come from living paycheck to paycheck. Hear how she turned it all around.

  • I Created My Own Financial Security

    I know how horrible and embarrassing it can be to have your card declined. I was that girl.”

    Dana Kay Stopped Living Paycheck to Paycheck —Dana Kay

What’s Your Money Pain Point? We Can Help!

  • Help! I Don’t Know Where to Start

    When no one ever taught you what the heck to do with money, it’s no wonder you’re a little lost! First things first, let’s get going with a budget to light your way.
  • Help! I Don’t Make Enough Money to Budget

    Are you stuck thinking that because you’re broke you can’t have a budget? Nothing could be further from the truth. Here’s how to thrive no matter how much you have in the bank.
  • Help! I Don’t Have Time to Learn How to Budget

    Surely you’ve got five minutes! Or a lunch break? We can work with your limited time table: here are the essentials you need to know.

Practical Tools For Getting Ahead

  • Read the Full Guide

    This guide will take you through how to break out of the paycheck to paycheck cycle forever in an easy-to-follow format.

    Read More
  • How to Get Ahead

    Learn how to live on last month’s income so you have more space between when you’re paid and when you get paid again.

    Watch Now
  • Learn the Four Rules

    Learn about YNAB’s Method for money management in this approachable, bite-sized video course.

    Watch Video Course
  • Ask Your Questions

    Our always-friendly teachers run live Q&A sessions to answer your questions about how to budget successfully.

    Get Answers

Read Real Money Stories

  • We Had Missed 31 Mortgage Payments in a Row

    After years of financial chaos, missed mortgage payments, and thousands of dollars in overdraft fees, Sarah and Kevin knew something needed to change.
  • We Lost Our Home

    Natalie and Larry went from living paycheck to paycheck to saving enough money to reach their dream of adopting a child (a big win!) and their savings account earning a penny of interest…for the first time ever.

Recommended Resources

  • How to Get a Month Ahead With Your Budget

    How do you get a month ahead in your budget and start living on last month’s income?  We’re so glad you asked! As you get going with your budget, getting a month ahead is key if you’re someone who is trying to break the paycheck to paycheck cycle. And it might take time, but you’ll …

    Read Blog Located in: Learn to Budget / Blog
  • 10 Ways to Get a Month Ahead on Bills

    Learn how to get a month ahead with your bills and budget for less stress, and you’ll never have to worry about late fees or overdrafting. We’ve got some ideas to get you started. Picture this: ten bills with the same due dates and instead of wallowing in despair, you just pay them—without panicking over …

    Read Blog Located in: Learn to Budget / Blog
  • Paycheck to Paycheck

    You can stop worrying about maxing out your credit cards and those once-frequent overdraft fees will vanish into thin air. Here’s how…

    View Page
  • How I Went from Paycheck to Paycheck to Near Perfect Credit

    We were a family of six barely surviving from paycheck to paycheck. It seemed emergencies were always popping up—a car that needed new brakes, a roof that needed repairing. We were in a desperate position of choosing between how to pay for the unexpected expense and still put food on the table. At the time, …

    Read Blog Located in: Learn to Budget / Blog
  • Are Payday Advances Bad?

    App companies are making it easier for employees to get pay advances—but are pay advances bad? Here’s the TL:DR: Beware! It’s very likely pay advances will land you deeper into the debt cycle you’re trying to avoid. Jesse uses episode 393 and episode 394 to explain the recent rise in pay advance apps and what …

    Read Blog Located in: Learn to Budget / Blog
  • How To Break The Paycheck To Paycheck Cycle

    If you are living paycheck to paycheck, you know it. You feel it nearly every day, in one way or another, and it’s awful. You are always scrambling and stressed. You are frustrated and tired. And let’s not even talk about overdraft charges. Because just, no. That is the bad news. The good news is …

    Read Blog Located in: Learn to Budget / Blog

Build More Margin and Stress Less

You don’t have to keep living like this. Add a mental and financial margin to your life with a YNAB budget. Try YNAB free, no commitment required. What do you have to lose? (Other than all that debt and stress, of course…)