![]() YNAB’s budgeting method, which is like a digital version of the envelope system, really helped me prioritize my spending and make good decisions. What’s so special about YNAB? The four rules. ![]() How to Apply the YNAB Method Using Google’s Free Budgeting Spreadsheet Years later, I frequently check both Mint and Personal Capital to make sure that I’m spending less than I earn. While in my mid-20s, I diligently tracked my income and expenses during the two years and two months that I spent aggressively paying off my $86,000 mortgage. I spent two full months testing out YNAB (You Need a Budget), a subscription-based budgeting tool, and it completely changed the way I manage my finances.īudgeting has always been one of my strengths.
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