1. The FIRST Question 2. Using GOALS to Improve Behavior IRL
1. My neighbor is moving and selling her UPS. Should I buy it? Could I use one? Yes! The power here cuts off/on multiple times per week. Is it good quality/price? Yes! I've been researching for a while. Do I have the money? No! My 'home stuff' category is empty and I don't want to move money from any other categories; they're all higher priorities. This should have been the FIRST question! It voids all the others. No UPS (no biggie-I've lived this long w/out one) but no debt and no short-changing my true priorities!!! YNAB WIN!!!
2. I HATE grocery shopping. I set up a 'monthly' GOAL for groceries: meaning the amount in the grocery category won't build up over time, it'll just reset to the goal amount on the first of each month. I accidentally created a use or lose situation for myself. It's Jan 27 and if I don't get my butt to the grocery store ASAP I'm going to 'lose' the rest of my January grocery money. A rare case of wanting to spend more. (It actually saves more b/c if I don't have groceries in the house I'll order take-out) YNAB WIN!!!
Hi Kensington !
Thank you for sharing your insights here! :)
My train of thought is similar when questioning a purchase. I check the category for the funds and if I'm short, I ask myself if this purchase is more important than other categories I could move money from. Sometimes it is and other times I walk away with affirmation I made the right decision.
Also, I just changed my Groceries category from a monthly funding goal to a spending goal. I'm curious to see what effect this ends up having on my budget going forward.