YNAB 4 TUTORIAL YOUTUBE MANUAL

Sometimes the second one involves a lot less stress (which is admittedly quite difficult for a lot of people to believe). I had this idea that there are 2 ways to be rich: make more money than I need, or need less money than I make. Living on a very limited budget is not the end of the world.

You don't really ever want to go into panic mode. I know that's a level of poverty that most people on HN have never experienced before, but it's a reality for many people. I understand exactly what you are saying here, however, there have been several times in my life where buying a coffee here or there will break my budget. > If a coffee here or there is going to break your budget, it's already broken and you need to go in to panic mode. I've made a sheet that does basically the above with example budgeting for what I'm familiar with in Sydney.

YNAB 4 TUTORIAL YOUTUBE MANUAL

Given that sort-of system, you have enough manual touchpoints that the budget is in your mind when you're making discretionary purchases, but not so much that it's stressing you out. If there's a discrepancy of a meaningful amount (however, remember step 0) then you might need to bury in to the details a little bit more. Over time, compare your actual savings with your expected savingsД¤. Every month, manually record your savings.ДЈ.

Combine that with your monthly income, and you'll know what your approximate monthly savings should beДў. Have a spreadsheet with vague monthly costs like 'transport', 'food' and the like.

If a coffee here or there is going to break your budget, it's already broken and you need to go in to panic mode.ДЎ. Forget about tracking things down to the dollar, or even the tens of dollars. I know you're not asking directly for advice, but if you'd be interested, I find the following is the easiest way of keeping a budget.Д .

Ynab 4 tutorial youtube