Steps to Flatten the YNAB Learning Curve
You Need a Budget (YNAB) is my favorite budgeting software. I tried several after I abandoned my paper budgeting system, and YNAB is the one I liked best and have used for more than five years now. However, that’s not to say learning to use it was easy. YNAB is notoriously difficult for newbies to learn how to use. Thankfully, the YNAB team realizes this and continues to make changes so the program...
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4 Smart Things to Do After Payday
If you’re a budgeting nerd like me, nothing beats payday. I derive such satisfaction from having a budget prepared and filling each line item on my budget with the incoming money from my paycheck. Money nerd, I know. But you don’t have to be a money nerd to take control of your finances in part by learning the smart things to do after payday.
Some people may love payday because they have money...
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Tips To Improve Your Finances
People find out that I write about personal finance issues, and start asking me questions about how to improve their finances–especially the budget and overall financial bottom line.
Some of the most common issues when trying to manage your personal finances have to do with the information, how often you get it, and what you do with it. Here’s a list of tips that can help you do better...
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Stop Living Paycheck to Paycheck
You’ve decided to stop living paycheck to paycheck, and now you have work to do. Money doesn’t magically stretch to cover all of your expenses because you need more time. You have to make it fight for you.
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Change Your Mind
The first step in getting out of the paycheck-to-paycheck cycle is to consider your thoughts about money. Do you see more money as the answer...
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Budget Management: How to Stick to Your Budget
Now that you’ve determined which budget might work, you have to learn how to stick to it. Using the budget and being steady is the only way it will work. Unfortunately, consistency is the hardest part of budgeting. The number of families with a budget has declined since last year. Here are a few ways to maintain the habit and make budgeting easier.
Be Realistic
When budgeting, make sure you...
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