![]() ![]() This creates a feeling of artificial scarcity once you train yourself to look at category balances instead of your bank account balance. YNAB operates on the fundamentally different concept that you only budget money that you have right now, and give every single one of those dollars a "job". Most people run into problems because they try to use YNAB like a spreadsheet/Mint/other budgeting software. YNAB singlehandedly changed my finances and my life. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests. ![]()
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