budget
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Understanding Debt: Is All Debt Bad?
There are different types of debt, and it’s easy to try to lump debt into two distinct Wizard of Oz witch-like categories: good debt and bad debt. Debt can’t be that bad for you, right? E
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Budgeting Days Off: A YNAB Approach for Financial Freedom
Many years ago, I was the kind of person who didn’t use all my paid vacation days. I didn’t have a lot of money at the time, I was new in my career, and while I can’t specifically remember anyone tel
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Effective Tax Planning for Small Businesses: A Practical System
Owning a small business is like a rollercoaster ride; you feel trepidation upon your initial approach yet courageous for attempting it, you experience the exhilaration of high points and the anxiety
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Debt-Busting Date Nights: A Couple's Smart Financial Strategy
Dillon, a software engineer, and Carly, a corporate recruiter, of Crofton, Maryland, graduated from college in 2015 with a hefty $105,000 of student debt between them. Luckily, Dillon knew all about
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Unexpected Expenses: The True Cost of Pet Ownership
When you really think about the concept of having house pets, it’s kind of wild. We basically go find some weird little creature and decide to bring it into our home to care for it for the rest of it
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Understanding Student Loans: A Comprehensive Guide
If you’re thinking about pursuing higher education, you may be wondering, “How do student loans work?” anyway. You’re not alone in that—even with Google and guidance counselors, navigating how the st
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Home Office Makeover: Before & After Remodel Ideas & Expert Tips
Working from home can be both a blessing and a curse. No commute? Amazing! Pets and babies interrupting meetings? Funny every single time! An “anything goes” dress code? Yes, I am wearing a button-up
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Tax Refund Strategies: Smart Ways to Utilize Your Refund
Ah, tax season. For some of us, it’s a mad scramble to gather up receipts, 1099s, W-2s, and all of that mail that has “Important tax documents enclosed” stamped across the front while frantically ema
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Tax Refund Drawbacks: Why a Large Refund Might Not Be All It's Cracked Up To Be
Tax season—the most wonderful time of the year! Well, OK—it’s not exactly cinnamon-rolls-on-Christmas-morning wonderful, but this time of year means money is coming back into your pocket for many peo
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Simplify Tax Season: Your Guide to Preparation & Key Documents
W-2? 1099-MISC? 1098-E? Check, check and bingo. It’s tax time! Tax season has arrived and, with it, a flurry of trifold, self-mailers with perforated, tear-away edges—each containing a mathematical s
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Meal Planning Myths Debunked: Save Money on Groceries
This post was written in collaboration with our friends at Plan To Eat —an app many of us on the YNAB team have been using for years to help save money on groceries. If there’s one category in the bu
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Understanding Tax Withholdings: A Simple Guide
Taxes are complicated, but there’s a sneaky little trick we can learn from a boring thing like tax withholdings, and that’s how to painlessly save more money. First, what are tax withholdings? When
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Quarterly Taxes for Businesses: A Simple Calculation Guide
We’re smack dab in the middle of tax season and as more business owners use YNAB to manage their small business budgets, I think it’s important to specifically address how to calculate quarterly taxe
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Simple Budget Categories for Beginners: Take Control of Your Finances
Budgets are often associated with boring stuff like spreadsheets, receipts, and “belt-tightening.” As we all now understand, belts are unnecessary and so is negative baggage about budgeting. Imagine
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Roth IRA vs. Traditional IRA: Key Differences Explained
What’s the difference between a Roth IRA vs a traditional IRA? I could explain it in one sentence: All right, there you have it. Do you get it? Let me explain a little bit more. With a Roth
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Senior Full-Stack QA Developer - Build Impactful Software at YNAB
About Us and Why We’re Hiring We build “You Need a Budget,” the best budgeting software and educational resources around. (Those in the know call us YNAB, which is pronounced “why-nab.”) For more tha
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Two's Day Challenge: 22 Ideas to Kickstart Your Goals
We’ve all got that “one thing.” The thing we’ve been wanting to do but just haven’t gotten around to yet. So, if you were to pick one thing to start on (or at least start working towards) tomorrow, w
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Small Space Renovation: Smart Ideas for Maximum Impact
My first foray into post-divorce life involved a 500-square-foot, one-bedroom house…with two kids and a cat. Now, could I frame this experience as being part of the oh-so-cool tiny house living movem
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Financing Home Improvements: Smart Strategies for New Parents
Having a baby is one of the most expensive life changes that many of us will go through in our lives. Between the actual medical expenses you rack up in childbirth and the cost of raising a child, it
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Boost Productivity: 15 Essential Work-From-Home Hacks
Some of us have always lived the work-at-home life. Others were frantically putting together a home office at some point in early 2020 when the global pandemic made its appearance. Regardless of how
budget
- Save Money & Eat Fresh: The Financial Benefits of Home Gardening
- Choosing a New Car: A Personal Exploration of Options
- Preventing Buyer's Remorse: Smart Shopping Strategies
- Reduce Checkout Costs: Understanding Payment Method Fees & Savings
- Micro Business Budgeting: 8 Essential Tips for Success
- Build Financial Harmony: 5 Tips for Couples' Budgeting
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Ohio Retiree Pensions Face Potential Cost-of-Living Adjustment FreezeOhio's largest public pension system is recommending a two-year cost-of-living adjustment freeze for retirees and is working to convince state lawmakers to codify the freeze, a pension syste...
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Best Debt Consolidation Loans for Bad Credit in 2024Top 5 Debt Consolidation Loan Companies The specifics of your debt consolidation loan will depend on your creditworthiness at the time of your application. With that said, the following companies of...
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Pro Rata Calculation: Understanding & Applying Pro Rata in InvestingInvestor "Pro rata" is Latin for "in proportion to." It is commonly used in investing to represent the proportion of a company that is owned or the rate of return over a g...
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Transferring Vehicle Ownership in California: A Guide for Family & Loved OnesYou might want to transfer a vehicle to a family member for any number of reasons. Maybe you're just kind and you're giving the car out of the goodness of your heart, or perhaps you're sel...