Clearly my way is better...

That was me a few months ago. I was using YNAB to track expenses but I was doing all the real budgeting with spreadsheets that used future money I didn't have to drive my spending decisions at the time. I felt like I had ascended beyond the system by planning so far ahead and using what I thought would happen tomorrow to fill my category balances today.

Spoiler alert: it didn't end well.

I kept scratching my head wondering why YNAB and the community, in general, was so against forecasting and planning based on guaranteed income (it isn't guaranteed). I was getting so much farther ahead by planning my June spending early, nevermind that I didn't even have the money to completely fund March yet (I wasn't getting ahead). I just decided everyone on the YNAB forums was mean and to not even worry about it (I should have worried).

That super amazing bonus I was expecting in June didn't work out exactly as I had planned. And here I was having already made months of choices on the assumption that I would have it. I had felt like we were finally getting ahead just to find out I wasn't digging us out of the hole, only digging the hole deeper in a different direction. It was devastating.

I finally pulled my head out of you-know-where around November and decided to finally check my ego at the door and do things the YNAB way true and proper. I embraced the terrifying concept of scarcity and budgeted what I had based on what I had at that moment. It was such a terrifying leap for me; I was leaving my spreadsheets behind cold turkey. It was the best decision I have ever made.

We're still working on getting off the paycheck-to-paycheck cycle, but we are closer now than we ever have been. Our rent is now buffered by a full month, something we have never had before. We are also funding our true expenses monthly, and I have found so much clarity in my budget now that it's real and based on today. We still have a long way to go, but now that I'm not standing in my own way, I know we'll get there.

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  • I can’t like this enough! This needs to be a sticky post!

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  • Tobias I know that leap can be scary, but I'm so happy you made it! Congratulations on your buffer! :)

  • This should be required reading for every new YNAB user. 😄

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  • Congrats  Tobias !!
    Keep up the great work :)

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