YNAB can provide you with clarity on whether your spending is reflecting your values or information on where you are coming up short. By setting them up in YNAB once you have the month to month set up, the quick budget by goals is awesome. If you have gotten this far, you know you need a budget. Hi Aquamarine Memory !. Because most months for most people are very similar month to month. :) Another idea (if you're like me and prefer to keep higher level categories instead of more granular categories) might be to set up a big category like "Subscriptions" and use Scheduled Transactions to keep on top of it. I have to say that this would not have worked for me, so luckily the goals features were not available to me in the earlier version of YNAB, when I began using the software. So, since we are all on the same page—let’s do this! I’ve tried YNAB in the past, watched YouTube videos, tutorials and just cannot get it. Don’t be afraid to change numbers and update your budget as you go. YNAB will pull in the balance as of today, and all future transactions. If you have gotten this far, you know you need a budget. If you have gotten this far, you know you need a budget. YNAB will prompt you to budget a … I like the suggestion dakinemaui gave you. YNAB can't make you spend less money or magically create more money in your budget. Love it!! Hi, Martin! If you don’t want to connect directly to your bank, you can set up an unlinked account. So, since we are all on the same page—let’s do this! The Fresh Start feature will allow you to keep your categories, goals, and scheduled transactions, but clear out all budgeting and transaction history. There seems to be an emphasis on setting goals from day # 1 in YNAB. Before it does this, YNAB will save a copy of your current budget. I break my monthly bills in half and pay the first set of bills at the 2nd week of the month and the last set of bills during the last week of the month. By Date: Budget and spend up to this amount by a given date. The most important thing you can do is budget for the payment and then make the payment. I get paid weekly. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. I have the luxury now to know that my essentials are covered and I have prioritized my spending for future things. And, obviously, we know you need a budget. Before I walk you through the nitty gritty of how I manage that, I want you to know, you do NOT need to add a tracking account. So, since we are all on the same page—let’s do this! You now have the basics of YNAB under your belt. Yes, you can. No matter whether you use YNAB or not, at the end of the day, the only way to get ahead is to spend less than you make. And, obviously, we know you need a budget. I set up my mortgage as a tracking account. And, obviously, we know you need a budget. 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