
What did you do to improve your finances today?
This was one of my favourite threads on the old forum, and since there doesn't seem to be one here yet, I thought I'd create one :-)
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Put in a noncompetitive bid for a 26-week T Bill, estimated yield 1.835% compared to a shade over 1% for my sweep account. This is possible because I beat my budget by enough over time that I have $1000 of pre-budget cash that I definitely won't need to transfer to the budget before September. (Technically, I definitely don't need it before October; but there's no such thing as a 7 month T-Bill.)
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My first post on the YNAB forum. We've been 'doing' YNAB since October, 2017. Recently we've been SQUEAKING out $1300 in the months of Feb and Mar and will finish this April in time to pay 2017 Federal Taxes owed this year (newly retired ...note: first year is a killer for taxes). Today, we decided if we can "survive" 3 months with out $1300/month; we could persevere another 4 months to pay off $5200.00 of old debt still owed on credit card. Extremely, extremely tight; however, we can do it. We would not have had insight to do this goal with old spreadsheet budgeting. Our freezers, pantry, and canned goods cabinet are taking a big hit. Yet, by the time our taxes and credit card are paid in full (another total 5 months for both) we will have that $1300 back to budget to restock our food supply and other goals. Happily looking down the road for a successful long-term goal over short-term (mo.) goal. Here's to success. Couldn't have gotten this far without YNAB.
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I love this idea! I wish we could make a daily thread for this question.
I am currently selling all of my Pokemon bulk and keeping all the money in my PayPal as a small emergency fund that I don't touch. I'm also going to (probably) cancel my Netflix subscription so I can start listening to more podcasts and all the audio books that I have been collecting.
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I applied for a 0.4 FTE line at work. I've worked casual since I returned to nursing 6 years ago and now the babies are 17 years old and it's time for me to build up my travel account! One great sacrifice we made when the kids (3 of them) were teeny is to sock away money for their secondary education through the RESP program (Canada). Now our expenses will actually go down when the kids are away at university. My hubby makes a very good income, but before YNAB it was slipping through our fingers. Now I know exactly where the leaks are and we either accept that X costs a certain amount of money, or we find a way to stop spending on it. Don't ever think that you can ever make enough money to never have to worry about it.
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I keep a "Find another way to save some money today" todo list. Yesterday it was consolidating two separate wireless phone accounts into one (and dumping the other) to the tune of about a 30% savings, and had them apply an employee discount that I didn't previously know I was eligible for.
Today I've been combing through my accounts looking for auto-recurring payments that I had forgotten about or didn't even know I had (like TV shows, apps, etc) and weeding out the ones that I don't use and don't care about.
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Congrats! That's so awesome! What a great feeling! We just started YNAB in the past two weeks, but we are seeing that there is a light at the end of the tunnel! We actually dared to think about the house projects that have been neglected for many, many years! But, instead of putting them on a credit card, we're gonna make a project list, then set up budget categories and save, as soon as we've got the last credit card paid off. Woohoo!
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Last night we smashed the last of the leftovers after DS's soccer game instead of running to the store for chicken fingers, or ordering a pizza. We have my stepson and stepdaughter only part time, so we have this sort of accordion effect when it comes to our food supply. DH and I will eat pretty much whatever, and survive on leftovers and pantry staples, but the kids are pickier. We've had two "leftover" nights while they've been with us, but they ate like champs last night without complaint. I call that a win!