You can choose to direct import transactions from your bank or enter them manually. YNAB makes it easy to live by these rules with its category-based interface. It’s a lofty goal, but as YNAB says it will keep you “living far, far away from the financial edge.” Ideally, you should shoot to live this month on last month’s income. YNAB allows you to be nimble and easily move money from a budgeted category to cover unbudgeted spending and stay out of the red.Ĥ) Age your money-Timing your bills with your paychecks is about as easy as aligning the planets. YNAB lets you allocate every dollar in hand to specific spending and saving categories.ģ) Roll with the punches-No matter how well you plan, your budget will inevitably run head first into unforeseen expenses. YNAB proposes you budget for these expenses monthly to even out your cash flow over the year and avoid taking big budget hits during certain months. What typically derails a budget are the less frequent ones, like annual insurance premiums and subscriptions, birthdays and holidays, and your kids’ seasonal sports fees. 2) Embrace your true expenses-It’s easy to see your monthly bills coming.
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