The YNAB Method

How I Learned to Stop Worrying and Love My Unexpected Expenses

How some preparation and a small change in your mindset can help you love how you spend your money, even for unexpected emergencies.

What is a Fixed Expense?

Eliminate some of the uncertainty that comes with living a busy life by creating a monthly budget that includes fixed expenses.

How to Manage Money Wisely

Knowing how to manage money wisely is a skill, but it's not as difficult (or as stressful) to learn as you might think.

You Can Take Control!

How I Use the Four Rules to Hit My Health Goals

You've mastered your budget with the Four Rules, now apply the same method to mastering your diet. Read more about how to hit health goals.

After Struggling to Budget, This Book Made It Stick

If there’s a budgeting app out there, I’ve probably tried it, and failed. After struggling to budget, this book changed everything.

How to Stress Less About Money: 4 Simple Rules

For those who have tried organizing your finances and failed, it's not you: it's your method. Learn how to stress less with YNAB's 4 Rules.

Understanding Your True Expenses (The Power of Rule Two)

This is Rule Two: Embrace Your True Expenses. Break up that larger, less-frequent expense into month-size chunks that you can manage.

Learn YNAB’s Rule Three: Roll With the Punches

A Hidden Benefit of Budgeting

Not sure if budgeting is worth it? Well here's an underrated budgeting feature: it'll give you complete financial clarity.

Debt Is Not the Only Option

Imagine what life would be like if you never had to lean on your credit card and could avoid debt. That's the power of planning.

What Is the Ideal Age of Money?

Rule Four tells you to Age Your Money. The idea is that you have money before you need money. But, how old is old enough? Well, it depends …

How To Make a Budget (That You’ll Actually Use)

OK, great. You made it here—to this post! You must be feeling fairly motivated to try out this budgeting thing. You also might be a little, or a lot, overwhelmed and anxious (common side effects of not having a budget). Don’t worry. You’ll feel better after you take a little thing that we refer to as action.

Spending Money Is Not Bad

You aren’t just saving money to save it. You are saving for Christmas and vacation and tuition and a new computer. You are saving money to spend it.

What Does it Mean to Age Your Money?

Aging Your Money means getting to a point where you're living on money that you earned last month. We'll show you how to do it!

What are True Expenses?

True Expenses in YNAB are non-monthly bills and expenses like auto insurance, holiday gifts, or a tuition bill.

The Rules Are The Magic

Easily my favorite thing to do at YNAB is to talk to customers about their successes.

No More Excuses

You can repeat this cycle (YNAB's four rules) whenever you get paid. Keep following the steps, keep budgeting, and you’ll reach your goals.