Welcome to Episode 1 of YNAB Fridays! Today we're talking about YNAB's Four Rules to help you learn to budget, save more money and pay off debt!
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⬇️ FINANCIAL SURVIVAL GUIDE ⬇️
learn to save money, create a budget that works for YOU, pay off debt, and invest
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DESCRIPTION:
YNAB's four rules to save money and pay off debt:

1. Give Every Dollar a Job
YNAB is based on a zero-based budgeting system where you give every dollar a job. This is also referred to as income - expenses = 0. With this method, you assign all of your money to a specific saving or spending category. You also only focus on the money that is in your account right now. So you're not looking ahead or behind in order to budget. This helps you to keep your spending in line with your financial goals and values.

2. Embrace Your True Expenses
True expenses, also known as sinking funds, are the non-monthly expenses in life that you want to save for on a monthly basis. Think: car repairs, holidays or back to school. These are often the expenses that are less frequent, but catch us off guard, causing us to go into debt. Instead, you want to set aside money every month to cover these expenses when they come around.

3. Roll With the Punches
One of my favorite parts of YNAB! Rolling with the punches means that you understand and embrace that you will overspend and forget expenses. Rather than giving up and never budgeting again, YNAB encourages you to cover that overspending and move forward.

4. Age Your Money
Another way of preparing for emergency expenses is YNAB's version of an emergency fund: age your money. This gives your budget a buffer to help you break out of the paycheck to paycheck cycle.

CHAPTERS:
0:00 intro
1:47 rule 1: give every dollar a job
7:00 rule 2: embrace your true expenses
11:04 rule 3: roll with the punches
13:10 rule 4: embrace your true expenses

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Views expressed in this video are my opinion and should not be interpreted as professional financial advice. I am not a certified financial advisor.

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