Nick True’s Starter Template

Get started using Nick True's template that blends top-of-mind bills with build-a-better-life category groups. He designed this for a beginning YNABer living check-to-check and looking for more margin.

Notes

The sample amounts are based on a family of four living in a low-to-medium cost of living area and taking home around $7,500/month. They are working on a debt snowball, so they aren't saving a lot of irregular expenses but they are trying to save a little each month so they don't have to take on m ore debt when things come up. Take the amounts with a grain of salt, and update the categories and amounts to match your family and life.

Template Features

Import categories to new or existing YNAB account
Customize categories and order
Set and track target amounts

Preview

One Month Ahead
- 📅 Next Month's Money
  
  $100.00
Bills
- 🏠 Mortgage + Escrow
  
  $1,550.00
- 🩺 Pet Insurance
  
  $45.00
- 🔌 Utilities
  
  $275.00
- 🎵 Spotify
  
  $17.00
- 🚗 Car Insurance
  
  $155.00
- 📺 Netflix
  
  $16.00
- 🏋️ Gym
  
  $85.00
- 📱 Phone & Internet
  
  $235.00
Debt Snowball
- 1) Amex Gold Payment
  
  $200.00
- 2) Discover Miles
  
  $89.00
- 3) Personal Loan
  
  $150.00
- 4) Car Loan
  
  $275.00
- 📉 CC Interest
  
  $145.00
Fun Spending
- 💳 My Fun Spending
  
  $65.00
- 👛 Your Fun Spending
  
  $65.00
- 🍽️ Dining Out
  
  $150.00
- 🍔 Fast Food
  
  $60.00
- 🎭 Fun
  
  $50.00
- 💵 ATM Cash
  
  $75.00
- 🛋️ Home Decor
  
  $25.00
Monthly Living Expenses
- 🛒 Groceries
  
  $1,200.00
- 📦 Amazon
  
  $150.00
- ⛽ Gas
  
  $150.00
- 👕 Clothing
  
  $55.00
- 🐾 Pet
  
  $75.00
- ✂️ Haircuts
  
  $80.00
- ❤️ Giving
  
  $700.00
- 🗃️ Unexpected
  
  $50.00
Kids
- 👦 Nick Jr.
  
  $30.00
- 👧 Hanna Jr.
  
  $30.00
- 🏅Kids Activities
  
  $80.00
Irregular & Annual Expenses
- 🔧 Home Maintenance
  
  $50.00
- 🚗 Auto Maintenance
  
  $30.00
- ⚕️ Routine Medical
  
  $45.00
- 🛡️ Life Insurance
  
  $40.00
- 📊 YNAB
  
  $9.00
- 🛒 Amazon Prime
  
  $12.00
- 🎁 Gifts
  
  $60.00
- 🎄 Christmas
  
  $125.00
Short-Term Savings
- ✈️ Long Weekends
  
  $80.00
- 🏔️ Winter Cabin
  
  $150.00
- 🦃 Thanksgiving
  
  $35.00
- 🚨 Medical Emergency
  
  $50.00
Savings (Tracking)
- 💰 Income Loss
  
  $50.00
- 📈 IRA Contributions
  
  $300.00
- 🎓 529 Contributions
  
  $50.00
Reimbursements
- 🔄 Reimbursements - Work
- 👥 Reimbursements - Personal