budget
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Savings Account Interest Rates: Are They Worth It in 2024?
Kids, gather round, because an old man wants to tell you a story of the glory days. It was 2007, and you could put your money in a savings account earning an annual interest rate of 5 percent. It’s t
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Affordability Calculator: Determine Your Home Buying Power
Several years ago, my wife Julie sent me a glorious text: Julie: “Hey, I’m at Costco. Do you want anything in particular?” Me: “Well, what do they have?!” If you’re not clear on what you want, someon
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Birch Community Services: Fighting Food Insecurity in Portland
We’re profiling some of the wonderful organizations we’ve met through our YNAB for Good program. These groups are working to create financial stability in marginalized communities. We’re excited to i
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Home Buying Budget: A Step-by-Step Guide for First-Time Buyers
So you’re eyeing a home to call your own but not sure where to start on the money side of things? Here’s how to budget for a house—and we’re not just talking about that elusive down payment.&nb
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YNAB: Flexible Budgeting & Money Tracking on Mobile
The secret to a budget that works is to have one that bends but doesn’t break. Here at YNAB, that means we Roll with the Punches, rob Peter to pay Paul, and WAM like we’re a 10-year old at the
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Debt-Free Wedding: How a Couple Paid Cash for Their Big Day
Before they got married, Mat and Emily knew they wanted to live debt-free. Mat, 31, a technical director for a local church, and Emily, 36, a senior pastor at a second church, had amassed $56,000 in
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YNAB Mobile Hacks: 6 Tips to Boost Your Budgeting
Learn how to add emojis in YNAB, search on mobile, and more! These hacks will have you budgeting with more efficiency than a Tim Ferriss fanboy. YNAB Mobile Hacks Did you know in YNAB you could…
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YNAB Budgeting: 6 Unexpected Benefits in Your First Month
We came across Kevin on Reddit, where he shared about his first month of budgeting with YNAB. He learned! He grew! And the freedom, oh the freedom! If you’re new to budgeting—or looking for renewed m
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YNAB Budgeting Mastery: 8 Advanced Tips for Financial Control
So, you’ve signed up for YNAB and learned our method. You understand why we budget a little differently, and you might now be a hardcore YNAB enthusiast (welcome to the club). If you’re looking to ja
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YNAB Targets: Understanding & Utilizing the Latest Updates
Targets are at the heart of every successful budget, and now they’ve got some fresh new updates. Here’s the latest and greatest on those monthly targets that inform your every move. These changes wil
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YNAB Categories: How Many Do You Need? | You Need a Budget
How many YNAB categories should I have? 12, 24, 158? This is a question we’ve been getting since the dawn of time—err, well, since the dawn of You Need a Budget in 2004. It’s not just new budge
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Vacation Savings in YNAB: A Step-by-Step Guide
Update April 2021: This post was originally written just before a global pandemic upended my (and everyone else’s) travel plans for the year. Our trip’s location and timeline has shifted,
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Navigating $80,000 in Student Loan Debt: A Realistic Account
When I was 18 years old, I took out $80K to go to an art school that cost more every year than what my parents made annually. I Wanted to Be an Animator as Long as I Can Remember I knew I wante
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Financial Habits & Personality: How Your Enneagram Type Influences Your Money
Have you ever wondered what makes some people spend money they don’t have, or others never spend the money they do have? Why are some people anxious about money, some flaunt it, and still others are
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Student Loan Payment Freeze: How Borrowers Are Spending the Extra Cash
Federal student loan payments have automatically been paused and interest has not accrued since late March of 2020. Our survey found that this freeze has kept an average of $417/month in the pockets
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YNAB Budget Update: 4 Powerful New Features to Simplify Your Finances
Here at YNAB, every six weeks we have what’s called “NORM” week. It’s short for “no recurring meetings” and yes, it’s as blissful as it sounds. It means one weeklong jubilee of virtually zero schedul
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Mastering Personal Finance: A Business Dean's Approach to Home Budgeting
Andrew Abela is the dean of the Busch School of Business at the Catholic University of America. He has an MBA, a PhD, and years of experience of managing a work budget. But when it came to managing h
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Financial Resilience: 9 Lessons from People Who Thrive Under Pressure
Last year sent a swift right kick, left hook, jab to the jawbone of many people’s bank accounts. But despite the tumult, despite the chaos, there was a small but steady group of people who were calm
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Real Budget: $3700 Monthly Take-Home Pay | YNAB Money Snapshots
Welcome to YNAB Money Snapshots—where you see a real picture of someone else’s budget and finances. They’re all anonymous, because sharing money is still a squirrelly topic for many, but we think air
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10 Affordable Date Ideas for Meaningful Connection
Looking for some budget-friendly dates that don’t break the bank? When we want to spend some good ol’ quality time with our favorite person, the last thing we need is for cost to prohibit such intent
budget
- Emergency Fund: How to Build & Protect Your Financial Safety Net
- Smart Shopping: A Comprehensive Guide to Researching Major Purchases
- Flexible Budgeting: A Guide to Adapting to Business Fluctuations
- Budget-Friendly Backyard Landscaping Ideas to Boost Curb Appeal
- College Savings: How Much Do You Really Need?
- Unexpected Expenses: The True Cost of Pet Ownership
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Real Estate Commission: How Much Do Agents Earn?Although the rule of thumb for real estate brokers remains a 6 percent commission, in reality that commission is negotiable and can vary greatly depending on the role that the agent plays, the type of...
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Chase Sapphire Preferred Card: Credit Score Requirements & BenefitsThe Chase Sapphire Preferred sits at the center of Chase’s travel card lineup for a reason. It earns transferable Ultimate Rewards points, comes with a substantial welcome bonus, and carries a $95 ...
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Preferred Shares: A Comprehensive Guide for InvestorsPreferred shares (also known as preferred stock or preference shares) are securities that represent ownership in a corporationCorporationA corporation is a legal entity created by individuals, stockho...
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Teen Apparel Demand Declines Amid Economic UncertaintyThe economic fallout from the COVID-19 pandemic has even hit Gen Z— a tween, teen, and young adult age group generally considered relatively recession-proof and usually unscathed by national financial...