1st victory = Significant Other on board!

This was the first weekend that involved a payday and YNAB. After telling my wife every dollar is already assigned a task, she's on board with checking the budget rather than seeing what's in our bank account!!! No impulse purchases for both of us! She still working on how to input transactions on her phone, but baby steps! We'll get there!

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    • Khaki Storm
    • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
    • Khaki_Storm.1
    • 5 mths ago
    • 2
    • Reported - view

    Fantastic and why many of us are here. The apps seem to be a good communication tool and less scary that a spreadsheet to some. 

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      • Henry T
      • Broke Engineer
      • Henry
      • 5 mths ago
      • 4
      • Reported - view

      Khaki Storm She definitely didn't understand my spreadsheets! From inputting purchases on one tab to another, she eventually gave up and it was on me to tally everything up for each day. I started off the convo by saying, "I (we) are putting aside $100 for you to spend on whatever you like this paycheck, this amount to our bills, and this amount to other expenses. As long as you keep track of what you buy, we should be in good shape. If you track this in the app, you know exactly how much you have left."

      She's entered her first transaction for happy hour, set up a goal for Christmas presents, and another goal for a family trip! Everything is falling into plan!!! 🔥🔥🔥

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      • Khaki Storm
      • YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
      • Khaki_Storm.1
      • 5 mths ago
      • Reported - view

      Henry T Fantastic. My story is similar. I toyed with a summary level Google sheet that could be linked to a larger sheet with transaction details, but trying to navigate thru the sheets app wasn't smooth. 

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  • Fabulous!  Am not there yet.  2.5 years of YNAB and just this month I cleared my debts (except our house mortgage).   I have found that being able to share my progress has changed the financial conversation between my husband and I.  YNAB has given me those words to use to make the conversations easier....like 'this is my priority' and 'I'm putting aside money now/each month for when XYZ falls due'.

     

    I still hold out hope to get him on board!   

    Like 3
  • Hi Henry T !

    It sounds like you and your wife are off to a great start! We like to say the couple that budgets together, stays together! :)

    If you have a moment, take a look at our Join Forces Guide—we offer a number of tips and tricks on budgeting together. 

    Like 1
  • Agreed! YNAB is marital therapy disguised as budget software. Talking goals and priorites is giving us insight into each other's psyches. Really cementing us as a team. Watched him put off getting his wireless speaker system to fund our six-year-olds braces/college/wedding fund - I'm in Looooove! <3

    Like 3
  • Awesome!

    We've been using YNAB since early January. (Husbo is NOT technologically savvy and really dislikes technology.) However...

    My bank account has not been negative since we started YNAB. Full disclosure: this was a multi-time-a-week occurrence, and it was my fault. I gave the bank I don't know how many $36 penalty fees...Probably enough to buy a small island. No more!

    And, because of this, I haven't been as stressed (at least about money!). No tension between us. I know I can make it to the next pay day. Because we planned for it.

    Aaaannnd...I told my husband about an appointment I have Saturday morning. His response, "Aw, but that's when we YNAB!" :)

    Finally, he says, "YNAB is addictive! I can't wait to work on it each week." (He gets paid weekly so we sit down each Saturday to give dollars jobs, watch a tutorial or two, get a sense of the week ahead, etc.)

    YNAB wins! ❤❤❤

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    • Sky Blue Viper I love this! Saturday morning dates - complete with budgeting and tutorial watching - sound perfect! I hope you include a top-notch breakfast to celebrate how far you've come! :)

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      • Henry T
      • Broke Engineer
      • Henry
      • 2 wk ago
      • 3
      • Reported - view

      Quick 5-months update: we are still maintaining our budget! Not completely smooth sailing, but not fully stressed about every purchase we make. Always check our budget to know what we are working with. We juggle our priorities around as things come up or cost more than we anticipated, but one of the rules of YNAB is to roll with the punches!

      Our realization is not falling into credit card float as we roll with the punches. The main objective is paying off our credit card balance so if we cannot move money from other categories to cover the cost, we hold off on those big purchases. That is our life-saver! And we smile every time we see that big, red debt bar on our reports page shrink every month (5months - $2088 down.) 😍

      We love the YNAB community with all the support and encouragement and other feedbacks. Thanks!

      Like 3
    • Henry T Woohoo! Glad to hear you're sticking with it. Checking your budget before making a purchase makes a huge difference, right? The mobile app is my favorite for that. Nice work on the pay down! 📉

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