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On a micro note, give YNAB a try. Diligent measurement has impressed on me how unconstrained our spending was. Cutting down the number of channels for payment g
by killjoywashere 8y ago
On a micro note, give YNAB a try. Diligent measurement has impressed on me how unconstrained our spending was. Cutting down the number of channels for payment goes a long way. There's a reason all the FAANG companies are happy to handle your credit cards.
- mosiuerbarso 8y ago+1 on this. I was terrible with money till I started using it a few years ago. I was one of those people with a good job but nothing to show for it. Using YNAB made me realize i was frittering most of my money away on lots of little purchases here and there. YNAB enabled me to see this and I drastically altered my spending. Also, a few years ago I had to take over my fathers business. Subsequently, this involved me having to take a substantial pay cut. I wouldn't have been able to do this without YNAB and budgeting.
- Spooky23 8y agoI agree this is great advice! For me the biggest things are that as the family grows, so has many expenses. We need two big cars now, which are like 150% more than they were in the early 2000s. For health reasons we need to really focus on fresh vegetables and meats and avoid most cheaper foods — which are very volitile price wise.