Well, I bit the bullet and purchased YNAB Pro. I, however, am going to wait to use it until June 08. Why? you ask.
valid question. I like the idea of stepping away from living paycheck to paycheck and want to begin the program with the money upfront. May has three paychecks (1/2 of the problem there) and I'll have March and April to tighten the belt and come up with the other 1/2 months salary to start June with. I also have stupid little things to take care of like $150 balance on DD10's nebulizer and allery testing bloodwork. I still owe a measly $450 on HELOC and $290 to Kohls. I am getting pretty regular with my estimates for upcoming things like lie insurance premiums, etc. We also have a trip to Disney in May (YAY) that is paid for, so its just a matter of coming up with spending money (which I am frittering away a little at a time). Our tax return plus stimulus rebate will cover all of our property taxes for 08 and something toward Catholic school tuition. I'm excited about getting all this little stuff taken care of and starting out with a clear vision and new set of goals.
I am liking what I see though playing with the budget template and learning more about the Rules to apply.
And I picked up the new minivan from the dealer and am really enjoying all the doors and space and places for backpacks, etc.!
Purchased YNAB Pro - Anticipating good things
February 28th, 2008 at 11:04 pm
February 28th, 2008 at 11:38 pm 1204241899
February 29th, 2008 at 06:07 pm 1204308478
Slowlygettingthere,
YNAB stands for You Need A Budget and it is a zero-based budgeting program. The creator, Jesse, is a regular poster on the forums here. Check out Jesse's website: www.ynab.com
March 1st, 2008 at 05:10 am 1204348249
Have you downloaded the freebies that come with YNAB? One of them is a debt reducer program. You'll find them on the same page you downloaded YNAB.
Congratulations on stepping into the world of YNAB!
December 5th, 2008 at 06:11 pm 1228500689
its my favourite purchase online so far