!!!YNAB!!!

Nathan and I have found a new love. Well, a really cool and useful tool. It's YNAB, You Need A Budget. Really. It's a cool program with an app for your smart phone so that you're always up to date. But wait ... there's more. It's not just budget software, it's a whole new way of looking at money, using money, saving money, getting out of debt, and so on. Mom introduced us to the idea of using it. I was skeptical. They have a 34 day free trial period (slightly mor than a month, so you can actually see how you're doing after a complete month!)

Skeptical: me

Nathan and I paid off all our debts (other than our mortgage) almost a year ago and really felt that we were doing quite well in the budgeting area, i.e. living within our means and saving for (_). YNAB has changed our life, well, made the money part of it a lot easier. We can see at any moment what money is available in each budget and can record what we spend the moment we spend it and it will be updated on all the devices we have connected to our YNAB account. But wait ... there's more! Free classes! recordings of classes, support, forums...  YNAB is helping us make informed spending decisions, manage our money simply, and save more money faster.

From their site:

Save More, Faster

Did you know that after one month, the median net worth increase for a YNABer is $200? After one month! After nine months, the median net worth increase is $3,300! Yes, the sky truly is the limit.

How is this possible? Most budget software asks you to guess a number on the 1st, inevitably leaving you to feel guilty on the 31st because you guessed wrong. YNAB is a new kind of budget, a flexible 'living budget' that helps you deal with overspending and makes it easy to save for your goals.

Goodness!! I sound like a paid advertisement!

Well, I sort of am. I mean, if you tried it out and wanted to buy it and clicked this link, you could get $6 off the purchase price of $60. I would also get $6. I kind of wish I didn't, just so I could say "I don't get anything from this, it's just so wonderful I have to tell you about it." Well, it is. Whether I get any money out of it or not. It really is just that wonderful. And you certainly don't have to use that link. Find a friend that has YNAB and use their link, pay full price, or take a free class (they give away a copy of YNAB4 to one person in each live webinar). And you can take the classes wether you currently use YNAB or not.