Makes this SUPER simple, simply allowing you move money from one budget to We’ll cover this in more detail later, but YNAB In any category, you can simply adjust your budget, and grab the funds from When the expense arrives, simply pay for it (the money is already there)Ībout how I fund Savings Buckets HERE Rule # 3 – Roll With The Punchesįind YNAB is the MOST useful.Pick an irregular expense (like Christmas) and figure out how much you need monthly to save for it.Vacations, Car Maintenance and other non-monthly expenses can be real budgetīusters, but if you save for them ahead of time, the money is always there when Idea of budgeting ahead for infrequent expenses. Savings Buckets… Rule # 2 – Embrace Your True Expenses Means to create a “Zero-Based Budget”, since your “To Beīudgeted” amount should equal ZERO after giving all dollars a job. And it isīuilt on the principle of “living on last month’s income”, which isĮxactly what I teach others to do in my Personal Finance 101 Guide.įollow the Four Rules Of Budgeting Rule # 1 – Give Every Dollar A Jobīe toward your expenses (bills, spending, debt, etc.). ONLY budget money you actually have, and to give every dollar a job.
Zero-based budgeting software that gives you (almost) complete control of yourīudget, and is probably my favorite budgeting software on the market today. Thousands of people take back control of their money. Partnered with a developer and created the first stand-alone software versionĪnd based on their 4 Rules of Budgeting, has helped thousands and Brain-child of Jesse Mecham, a spreadsheet nerd (like myself) who built hisīudgeting spreadsheet in 2003, and started selling it.