sand

Wealthy Wednesdays: You Have Grains of Sand in the Bank

“Give every dollar a job.” One of YNAB’s pillars of budgeting.

Long ago, I wrote about the YNAB software program here. YNAB stands for…You Need a Budget. Please don’t run off…hear me out. I hate budgets like the rest of the universe, but, if you don’t know where every buck is going, you might as well just deposit a bucket of sand in your bank account, because that’s what it acts like. Grains of sand. Poof! Then you look one day and there’s NOTHING left! Then you wonder where did that $1,000 bucks just go that I had in my checking account last week?  Yeah, been there, done that.

If you don’t give every one of your bucks a job, it sneaks out and disappears.  Continue reading “Wealthy Wednesdays: You Have Grains of Sand in the Bank”

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You Need a Budget

You Need a Budget — Testing Out the Program That Competes With Mint

I used to think of myself as a pretty good budgeter . . . but, I guess I’m not :–(

You Need a Budget
Try You Need a Budget–worth the small investment.

I still run into snags (ie: OMG, I have to switch money into checking to cover the mortgage!!) and worry every time I open my online account what I’m gonna see or not see.
No one is perfect. Not even a frugal lifestyle blogger!  Continue reading “You Need a Budget — Testing Out the Program That Competes With Mint”