The weekend, poorly girlfriend and YNAB
by DannyUK
Another weekend gone, and once again it seems to have flown by.
I drove up to Liverpool on Friday to spend a couple of days with Mrs DannyUK who has had a minor operation and was recovering. It meant that we did pretty much nothing all weekend, but as I explained to her, that suits me fine. I have more fun sitting with her and doing nothing but watching fail videos on YouTube or reading Reddit together in bed than I would many other activities.
It’s the being together, rather than being busy that appeals to me.
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We spoke at length about various topics, as we always do, and we have both decided to get our finances sorted. It’s an oft raised conversation and at the start of the year we looked into YNAB which is a budgeting piece of software (and it stands for You Need A Budget).
Over the weekend we both seemed to reach the conclusion that we need to give it a good go, and as such I’m tapping this blog entry out as my laptop downloads the software in the background.
It’s expensive for what it is - £29.99 - but hopefully it will help me tighten the reigns of my spending and I’ll save that money fairly quickly.
One of the main aims of the software is to get you to a place where you are living a month in advance. In other words, instead of using your income from your latest pay packet to pay your bills, you have enough of a buffer that you are essentially using income from your previous pay packet to pay your bills which leaves you a month ahead.
It’s all very well earning money (*cough* *splutter* pleaseclickanadvertbelow *cough*) but that money is too easy to fritter away.
I know that my commitment to these things is flaky at best, and even shelling out so much money for the software I am just as likely to shrug it off and not use it. I’m hoping that both the girlfriend and I can motivate each other to continue to use YNAB for as long as possible.
Here’s hoping.
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It’s right, it is pricey at £29.99, but worth it in the long-run, if it works. Hopefully that won’t put too many people off.
Having that buffer is more than useful and can be an absolute life saver. I’m sure there are more sneaky and *Ah Hem (free)* ways of getting that software. Justsaying
We have been looking into sorting our finances out and YNAB looks really good but even £30 for us at the moment is too much.
It looks really good. Thinking of getting it myself!
Twitter: JanineSessel
on December 28, 2015 at 9:50 pm
I have downloaded the free trial you shared in the other post. I really need to sort my finances out so I am keeping everything crossed I can win a copy.
Hope your girlfriend feels better soon.
Twitter: adrianprice3
on December 30, 2015 at 7:11 pm
£29.99—-really isnt a lot to pay if it works
Twitter: ukraines
on December 31, 2015 at 6:34 pm
budgeting always makes sense