Budget

2017_bIt’s not easy to save money these days when all you have to do is click a button on your phone and you can have practically anything within a few days, but there are options out there to help you save your money and keep track of your finances.

I am horrible at budgeting, but I have some family members who are using a website called You Need a Budget (YNAB) and they love it. YNAB gives you a free 34-day trial, but even better…YNAB gives students a free membership for a year (and 34 days) so I figured it wouldn’t hurt for me to learn how to budget.

I have this crazy idea that when I keep track of my money I actually have less of it. I still haven’t quite let that go, but there is also the concept of Kaizen, that small changes compound over time and I was intrigued by one of the ideas on the YNAB website.

YNAB has you look at your incoming money and plan what you will do with it. For example, you take your current pay check (you plan one paycheck at a time) and decide what items you have to buy (or what you plan to save), they call it having a job for your money. The idea that as you continue to do this you will be able to plan out paychecks in advance.

So, I’m going to give it a try. I hope over time I will become a better budgeter.

Do you have budgeting tips to share? And if you’re a student you can get a free year. You don’t have anything to lose 🙂

You can check it out at You Need a Budget. And if you’re a student you can get a free year. You don’t have anything to lose 🙂

#AtoZChallenge

 

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