You Need A Budget YNAB Pro 3
Let me start off by saying that for the last year and a half, almost two years, I have always done mine and my husband’s budget using excel spreadsheets. I’m sure most of my readers do the same thing.
If your like me, you love it for one reason, you need your budget to fit you. You need it to be fully customized but you also need to alter it whenever possible. You could also be living paycheck to paycheck, which most budgeting softwares look down on.
Meet YNAB Pro 3!
I downloaded the 7 day trial of it. But by the second day I knew I needed this program. Its perfect in every-way!! I did purchase the software. I saved up diligently for it as my budget only allows me $20 every two weeks. But, luckily, it went on sale and I got it much cheaper then the $69.95 price tag.
This program lives on four rules that you need to abide by, all of them good. I won’t go into all of them, except for one.
The rule that states you should live on the money you made from a month ago.
I LOVE this idea! When I heard it, it just hit me like a ton of bricks how stupid I was for not doing this sooner! Think about it, you save up a months worth of money to use, then you live off of that money for a month, during that month you are still earning money. When the month is over, you start living on your paycheck from one month ago. Its genius!
Imagine never timing your bills ever again! You won’t have to, cause you already have the money to pay it! No more guessing how much your paychecks are going to be, cause you will already have the money so you can budget it right then and there.
Its wonderful! So, I am going to save up my emergency fund back to $1,000 ( We just had an emergency and needed to use it. ) and after that I will be saving up $1,200 to live off of for one month so us too, can be one month behind.
