![]() It’s $6.99/ month which you will more than make up for once you start using it to track your spending. We’ve tried every budgeting tool out there, and this one is worth it’s weight in gold. If I am at Walmart or Target and I buy clothes, diapers, household stuff, and groceries, I can easily split that spending into multiple categories.ĭid I mention I really really really really like YNAB? HA! I used to manually track our spending in a spreadsheet, but YNAB saves me so much time. And it’s very easy to use with both various expenses (like groceries) and fixed expenses (like the gas bill).īy budgeting first, then spending, you will know exactly where your money is going. YNAB is amazing for budgeting because it forces you to actually budget money you have instead of spending money on a card first, and hoping you can pay it off at the end of the month. ![]() We also track other personal finance things in YNAB (net worth, various savings accounts, retirement accounts, etc.). It’s connected to both our credit and debit cards. Download transactions from your bank and 1-click import them to YNAB.Enter all your spending manually, one transaction at a time.Connect your cards to your YNAB account.WE LOVE YNAB!!!! (Here’s my entire YNAB review.) YNAB is an online budgeting tool that functions like a virtual cash envelope system of sorts. Option #3 – Track Grocery Spending with YNAB / Grocery Budget App Track your total grocery budget left on the envelope too! This way you’ll always know how much you have left.Put any grocery receipt in the envelope and write down how much you spent.Write your grocery budget on the top of the empty envelope.Here’s how I tweaked the no-cash envelope system to be for groceries only. It wouldn’t work for the way we do our other spending categories, but I think it’s great for tracking groceries!! She tracks most of her spending with an envelope method that’s really simple. I originally saw a version of this idea from Jordan Page from Fun, Cheap or Free. Option #2 – Use the Cash Envelope System Without Cash You have to hassle with going to ATMs or the bank more too.Your wad of dough could get lost or stolen. If you’re saving for something in cash, you’re piling up a lot of cash in an envelope either in your wallet, purse, or house.My husband is in this category – he hates having cash! ![]()
0 Comments
Leave a Reply. |