Scenario: I’m new to personal finance. I built a budget but I don’t make enough money to really use my budget.

What I’d do:

If you make any money at all, you can use YNAB to learn how to budget!

It’s easier when you have less money because you can see how the app works better.

The hard part is feeling like you are restricting yourself by using a budget.

But you’re not. You’re intentionally assigning a job to your money.

This is clarity.

This is freedom when it comes to money!

Here’s a tip: don’t assign a job to your money that you think it should have. Assign the real job you will use it for. Just be honest with yourself about what you’ll do with your money and you’ll feel better about it.

When you think about budgeting as chains that prevent you from enjoying life, then yes it’s a burden. But when you think of a budget like bowling bumpers for your finances, you can bounce off them and you’ll eventually achieve the goal of hitting the pins (or retiring or whatever your goal is).

Budgeting creates freedom. It aligns your spending habits to your goals. Remove the feeling of needing to be perfect with your budget.

It’s just a plan that helps guide you.

What do clouds wear under their shorts?

Thunder pants.