YNAB 101: How to Get Started

So you’ve decided to try out YNAB.

Maybe you’re doing it because your brother-in-law keeps pestering you about it; you saw it on Reddit, or or maybe you found my blog post drooling about how much I love it.

If you want to know how to get started using YNAB, you’re in the right place! I’ve been using YNAB for over a decade and teaching other people how to use it for several years. YNAB is my jam. I love walking people through it, step by step, so that they not only learn how and why to use this magical, life changing money management tool, but also how to make it fit their actual life.

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How to do your own bookkeeping

I’ve had a lot of folks asking recently how, exactly, to do their own bookkeeping. It seems so overwhelming! There are a lot of systems out there, there’s a lot of fear of screwing it up, and, well...you’re not a bookkeeper! How are you supposed to know what to do?

For whatever reason, you’ve decided that it’s not time to hire a bookkeeper (yet). Maybe your business is too new, too small, money’s too tight, or you want to make sure you understand how things work so you can oversee a contractor. All good reasons!

And yet - what does DIY bookkeeping even mean?

 

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Resolve to...make better resolutions

You’ve probably heard that most New Year’s resolutions fail. I’m betting you don’t need a scientist to tell you that, if you’ve ever set one yourself. So how do you improve the odds? Here are some research backed tips to making this year one in which you move ever closer to your ideal self.  

  1. Make goals so small that it’s hard to fail

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How to get your business ready for tax season

If you’ve been working hard on your business, planning next year’s goals, brainstorming your content, and figuring out how much time you can take off for the holidays and then BAM realized you need to deal with getting your business’s books ready for your tax accountant - you’re not alone! 

It can be very overwhelming to think about what, exactly, you need to do to get your tax documents ready, so I’ve written this guide for you. 

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The 2 biggest money black holes (and how to destroy them)

We’ve all got areas of our spending that just seem like black holes. You know the ones - the parts of our budget that you can never seem to get under control, that start to suck in all the money around them, until whoops, you’re out of money again (or - whoops, the credit card bill this month has its own gravitational pull). What even happened there, anyway?

Let’s talk about the most common ones I see with my clients, and what, exactly, to do with them so they stop ruining the rest of your finances.

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Don't forget! (to put these things in your budget)

One of the first things I ask people to do when they begin working with me is to document all of their expenses - what they spend money on, how much, how often, that sort of thing. What day is the car payment deducted, how much do you really spend on groceries, how much do you spend on the holidays?

Oof. That last one is a doozy, isn’t it? At least with the groceries, you can look back over the last few months and come up with a number, but then there’s things like the holidays that are a little more...vague.

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How to avoid a holiday spending hangover

There’s a lot of advice out there about how to spend less money at the holidays. It boils down to:

  • Make a budget and stick to it

  • Shop sales

  • Plan before you shop

  • Consider buying fewer, or less expensive gifts

Don’t get me wrong - I think these are all good advice. I do all of these things myself.

There are a few additional pieces of advice I give to my clients, though, that I’d like to share with you as well.

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How to get back on the (budgeting) wagon

So, you fell off the wagon. You were doing good for a little while - you’d started managing your money differently. Maybe you were keeping track of your expenses, keeping your awareness around your spending high. You had stopped using your credit cards, maybe even started putting money away for emergency savings, you’d made a plan and had been chugging away at it. Things were going well, if slowly.

And then.

So, you fell off the wagon. You were doing good for a little while - you’d started managing your money differently. Maybe you were keeping track of your expenses, keeping your awareness around your spending high. You had stopped using your credit cards, maybe even started putting money away for emergency savings, you’d made a plan and had been chugging away at it. Things were going well, if slowly.

And then.

And then, something happened.

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