#14 | you need a budget
I've budgeted every single dollar I've made since signing up for YNAB on August 4, 2014. That might not surprise you (maybe you're one of the 18 friends I've converted to the software!) but if it does, hear me out.
Back then, I was living in DC making $55,000/year -- more than enough as a single person -- but I felt broke constantly. I had no idea where my money was going.
Using YNAB for five years has allowed me travel to seven weddings, move to Portland, visit Japan, save an emergency fund, fly home during the holidays, max out my 401k, help friends in need, undergo elective surgery, take chances, & so much more. All without any credit card debt.
I want financial freedom for everyone & I highly recommend this approach -- there's even a free trial!1
(Need more convincing? Just ask!)
Referral link! If you sign up, we each get a free month (though I’ve happily paid for it for years!)