Change your money mindset
The YNAB app doesn’t work because it’s pretty (it is, though) or because it has amazing tech (it does, though). It works because it’s built around four rules designed to change your financial future.
How Rule One works
Every time you get paid, ask yourself, “What do I need this money to do before my next paycheck?” and assign every dollar you have available to an expense category until there are zero “unemployed” dollars left.
Get some dollars.
Decide what those dollars should do.
Follow your plan.
How Rule Two works
Future-proof your finances by anticipating large, non-monthly expenses (they’re going to happen!) and breaking them down into smaller, manageable chunks of monthly saving instead.
Find a big, infrequent expense.
Create a target to fund it monthly.
When that expense arrives, just pay it!
How Rule Three works
If you run out of money in one category but still need (or want!) to make a purchase, just move money from another category to cover it. No shame or guilt needed—it’s your money and you can spend it how you want.
Choose a category with overspending.
Move funds from another category to cover it.
Move on with your life—no guilt!
How Rule Four works
As your awareness about money grows, you’ll naturally start spending less. Eventually, you’ll be paying bills with money you earned more than thirty days ago. The end result is more breathing room in your financial plan.
Be purposeful in your spending.
Consistently spend less than you earn.
Watch that Age of Money grow!