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Nick True’s Values-Based Template
Think your YNAB setup has to be a dull list of bills and expenses? Think again. Nick True’s innovative approach flips the script—centering spending around what truly matters. For him and his wife, that means joy, relationships, their home, travel, and giving. Use his setup as inspiration, tweak the template, and build out your own YNAB to reflect what matters most to you.
Notes
Nick True is a financial coach specializing in cash flow optimization. He and his wife Hanna help people use their money to do more of what matters to them through personalized coaching and his YouTube channel, Mapped Out Money. He also co-hosts the Craft Your Money Story Podcast with Hanna, where they discuss all things personal finance and money management.
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Joy
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🎨 Hanna's Art Supplies$60.00
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🍽️ Date Night$80.00
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☕ Coffee Shops$70.00
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💳 Nick Spending$60.00
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👛 Hanna Spending$60.00
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📺 Streaming$33.00
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🏞️ Weekend Adventures$40.00
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Relationship Building
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👨👩👧👦 Family Dining Out$75.00
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🩺 Pet Insurance + Expenses$340.00
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🎁 Gifts$55.00
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🎄 Christmas$45.00
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Home
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🏠 Mortgage$1,250.00
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📱 Phone/Internet$200.00
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🔌 Utilities$145.00
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🐜 Pest Control$35.00
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🗑️ Trash$40.00
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🛠️ Tools$50.00
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🪚 Large Home Projects$90.00
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🔧 Routine Home Maintenance$65.00
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Health/Appearance
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🛒 Groceries + Household$750.00
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👕 Clothing$30.00
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💪 Fitness Clothing + Shoes$60.00
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💄 Cosmetics$150.00
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✂️ Haircut$65.00
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🏋️ Fitness App Subscription$25.00
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Spiritual/Giving
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❤️ Giving/Donating$600.00
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📖 Bible Study$50.00
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Vehicles
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⛽ Gas$60.00
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🚗 Vue Car Insurance$41.00
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🔧 Vue Maintenance$40.00
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📝 Vue Registration$5.00
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Camping/Travel
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🛢️ Gas + Propane$95.00
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⛺ Campgrounds$85.00
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🚐 RV Insurance$110.00
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🏕️ Yearly Memberships (RV)$5.00
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🛻 F250 Insurance$41.00
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🛻 F250 Maintenance$75.00
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📋 F250 Registration$5.00
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Wealth Building
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💵 Our Roth IRAs$600.00
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Preparation
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🏡 Emergency: House
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🛡️ Emergency: Income Loss
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⚕️ Emergency: Medical
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🐾 Emergency: Pets
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🩺 Health Insurance
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Unexpected
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❗ Unexpected Expenses$40.00
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🔄 Reimbursements
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