I Need a Budget. Do you (need a budget)

Or Do you want to build a snowman?

Do ya? Uh? Uh? Uh?

So annoying.

Moving on.

Okay. I’ve had too much coffee today, or too little. It’s all about perspective. I really want to tell you about You Need a Budget (YNAB)! We have been using YNAB for a month now. Originally I signed up for the 30 day trial version, but the very next day I won the software from a contest at Not a Stepford Life the very next day! I can no longer say “I never win anything”, because there was that one time (now)!

Do you want the short version or the long version? The long is really long and the short is “I LOVE IT! How did I live for so long without it? How come when I heard ‘You Need a Budget’, I thought ‘no I don’t!’?”


Now that we have been using YNAB for a month, I can see clearly that yes, I do need a budget. It has kept us accountable for the past month. We have diligently budgeted, recorded our transactions, reconciled and looked forward to the next paycheck!

YNAB has four rules: 

  1. Give every dollar a job
  2. Save for a rainy day
  3. Roll with the punches
  4. Live on last month’s income

You can read more about the rules here

Prior to using YNAB, we were pretty good at rules 2 and 3. Rule 4 is interesting because while we had enough in savings for last month’s income, we weren’t actually living on it. As far as rule 1, our dollars that went towards monthly bills had a job, the rest of the money was FREE MONEY! Whoo hoo. Not really. 

Early in the month, while reading about living on last month’s income, it suddenly made sense why they make that a rule. I explained it to my husband, we thought about it for a while and figured “hey, if we don’t like it, we will take our paychecks and put them back in savings and live on the current month’s income”. We held hands, transferred all of our savings to checking, jumped and have not looked back. It is the best feeling ever. I’m not worrying about the next paycheck and how much it is, because it’s just going into our account. I don’t need it for THIS month, because I am still using LAST month’s income. Our bills were paid early in the month and the amount of mail we receive has been drastically reduced! 

You should check it out. I know that some of you are like me and you think you don’t need a budget, but what if you do? 

As August draws to a close, this is where we are at with our budget: We overspent our budget for August by ($0.51). Yep, we are less than a dollar in the red. It’s okay though, because I still have this month’s income waiting to jump in and be used for September. We only have 4 days left in the month and we have been really good about not spending money. Our gas tanks are relatively full, we have enough food to last. Something may come up, but we have our buffer, so no worries. 

Do You Need a Budget? Go on over, check it out and then come back and tell me what you think. Sign up for a class! It’s free. You don’t even need to purchase the software and they give one away during each class. It could be you! 


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