5 Days

I can't believe I've finally begun to age my money.  I've finally aged my money 5 days.  It took me almost three weeks to do this but my money is finally starting to last and I'm on my way to breaking the paycheck-to-paycheck cycle. 

Until I found YNAB and began learning it's methods of budgeting, I was lucky to have money age 1 day.  I can now say that I see my money aging 30 days or more. 

After having followed traditional methods and even using systems like Dave Ramsey's methods, YNAB has been the only method to actually break my budgeting woes and begin helping me control my finances.  I call it my electronic envelope system. 

The only sad thing about YNAB is when I see people try to adjust or modify YNAB to work like the other methods that didn't work in the first place.  

If you're like me and you've tried all the other and "traditional" methods of budgeting, learn YNAB the way it was intended and resist the urge to reinvent the wheel. 

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  • Congratulations on finally starting to age your money.  The farthest I have gotten mine is 17 days, but I am on a fixed income, so when the first of the month comes no matter what I am starting over. I don't mind as YNAB is working for me. 

    Not sure it is so much reinventing the wheel as breaking old habits. 

    Like 1
    • Ruff16965 (05bd62cee897)  What I mean by reinventing the wheel is seeing people try to make things work like the systems they've left.  


      For example,  adding 1000 categories.  I mean some people OVER TRACK spending.  I get it. I used to do that too.  I would create categories for Dining Out then sub-category for me and one for my wife.  WTF?  It's still dining out. What does it matter who spent it?  It still left my budget. I still know it went to eating out. 

      If the system you used before worked, why would you change to YNAB and then try to make it the same as your old system? Maybe that explains it better. 

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    • Gold Tiger That is it before YNAB nothing worked for me, I would try this or that for 3-4 months and give up. The closest I came was the ex-girlfriend right before I discovered YNAB, she basically was doing YNAB but with an Excel spreadsheet and then a separate app. After our breakup I tried continuing what she did and was getting frustrated when I found YNAB and it was this makes sense, rather I am at the computer or on the run all the amounts are in one place. I can decide do I want to steal from the computer replacement this month for a birthday gift.

      I do get very detailed in my Annual True Expenses, YNAB, Sam's Club, Amazon, Ect, Ect, and they all have a funding goal either by amount per month or target date. But for my monthly items, they are detailed in the register and in the True Expenses are just lumped into Subscriptions.

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    • Ruff16965 (05bd62cee897) 

      Ruff16965 (05bd62cee897) said:
      That is it before YNAB nothing worked for me, I would try this or that for 3-4 months and give up.

       Same here.  I just feel like I have more control over my money with YNAB. I don't understand why, but I do.  The "left to budget" as it sees income really makes it work out. 
       

      Ruff16965 (05bd62cee897) said:
      when I found YNAB and it was this makes sense, rather I am at the computer or on the run all the amounts are in one place. I can decide do I want to steal from the computer replacement this month for a birthday gift.

       Agreed. I too love that I can move the money easily and it still keeps my budget on track. In fact, in one of the classes (or maybe it was one of their emails) YNAB mentions that "many people fail at budgeting because they forget or don't realize that they can move money around. "  Personally, I call YNAB an electronic envelope budget system. Because that is what it reminds me of.  

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    • MsTJ
    • YNAB has given me back my future
    • Believer_in_YNAb
    • 3 yrs ago
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    Congratulations!  That is wonderful.  Breaking old habits was really hard for me.  You have started, keep up the great work.  

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  • We tried the envelope system and a lot of other things first, too.  YNAB is a great combination of flexible and detailed.  Every dollar has a job but we can also roll with the punches.  Welcome!

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