Going back to YNAB

I decided to try another month free of YNAB to see if I wanted to use it again.

Originally, I bought the program when you could do that but now it is really all revamped and it’s a monthly subscription. Generally, I do all my budgeting with paper and pen, but I thought maybe I’d give this another try.

I started yesterday and the trial goes for a month. I like the visuals of the new program and it is very user-friendly. I put in all my line items for the month but one thing they want you to do is not put in future pay days as that is money not yet received. I always budget paychecks( several times actually) to see where the money is going. ┬áBut I put in the amounts and just not the check yet. I’ll have to wait and see if this gets confusing.

My main goal is to have enough money in our checking account to be one month ahead. That really has never happened so YNAB really promotes this idea and so I’m going to give their budgeting approach a try.

Right now toward the end of the year, our budget starts to include lots of annual bills, property tax, Allstate, house insurance, so that’s an area I want to change for next year and have all the money in accounts for that ahead of time. In the past, its always been we’ve relied on B’s bonuses to pay that stuff.

So, I’ll give an update in a week or so. ( Next payday is next week, so that’ll go into YNAB and we’ll see how it looks. Since I have the whole month of bills in already, that check won’t cover it all so I’m not sure if that will help or confuse me. ┬áBut I like trying new things or at least revisiting this again. BTW, I think it’s $5.00 for the monthly subscription. Also, right now I don’t have bank accounts linked but if I join I will.

Dinner is pumpkin pancakes, bacon and maybe scrambled eggs.