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!
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!
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.
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
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! ❤❤❤