Money Q&A | YNAB, Retirement Savings, Impulse Shopping
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- เผยแพร่เมื่อ 30 ก.ค. 2024
- Wow! Didn't expect this "Let's Talk about Money" video to be so long! I've included timestamps down below, so you can skip around.
Thanks for letting me share my love of budgeting with YNAB - it's been an incredible year, and I'm excited for the next. : )
◦ The budgeting app/website that I use, You Need a Budget (YNAB for short): www.youneedabudget.com/
◦ Video - 10 Tips for Sticking to a Budget: • 10 Tips for Sticking t...
◦ Video - Let's Talk about Money | YNAB's 4 Rules: • Let's Talk about Money...
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QUESTIONS & RESOURCES
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Links are affiliate links. If you choose to use them, thanks! : )
1. Where were you the most surprised by the amounts once you started tracking? :55
2. Not a specific number, but I'm always interested in what percentages are going where. 1:28
3. Before YNAB, how were your husband's and your ideas about money different? 2:17
4. I want to travel but also want to save? How do I do that? Should I have two separate sheets? 2:45
5. We REALLY need to do this. Tips for getting started? 3:50
◦ You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want by Jesse Mecham
rstyle.me/+O1NLI4AGQnI9I3UQfg...
6. What was the biggest difference? Was it saving, investing, or spending habits? 4:38
7. How did you stick to the tracking? 5:09
8. Best tip for paying down credit card debt? 6:31
◦ The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness by Dave Ramsey
rstyle.me/+e6dfa8aknaJxK8maDq...
◦ Debt-Free Community on TH-cam
th-cam.com/users/results?searc...
◦ Undebt.it: Free Online Debt Snowball/Avalanche Calculator
undebt.it/
9. How do you feel now that you have financial control? 7:18
10. How do you decide how much to budget for emergency house/car stuff? 7:51
11. How much should you put aside to save, paying down credit cards, starting your own business? 9:05
◦ 11 Things to Do When Starting a Business
www.choosefi.com/how-to-start...
◦ Popup Business School Course
www.popupbusinessschool.co.uk/
12. How do you stick with it? 9:59
◦ Video - 10 Tips for Sticking to a Budget: • 10 Tips for Sticking t...
13. How do you plan for big expenses like trips that are budget outliers? 10:40
14. Tips for inconsistent income? 11:28
◦ Slaying the Variable Income Dragon
www.youneedabudget.com/slayin...
15. Best books to start? 12:29
◦ I Will Teach You to Be Rich
rstyle.me/+JFOy6F4BcW0Gy6bNdD...
◦ The Simple Path to Wealth
rstyle.me/+UFNmjPuq1FHZOGuoaL...
◦ jlcollinsnh.com/stock-series/
16. What's been something new that you've learned about yourself by learning to budget? 13:21
17. How do you balance fun money versus saving? It's hard to know when to say no or yes. 13:49
18. How many bank accounts should you have? 14:51
19. How do you stop yourself from makeup and skincare impulse buys?! This is the hardest thing! 15:46
20. Which area of spending was the hardest to keep under budget? 17:03
◦ AnyList - The best way to create and share a grocery shopping list
www.anylist.com/
21. Do you handle all the finances? Was your husband enthusiastic about using YNAB? 17:24
22. No ??, but thanks for recommending! YNAB helped me double our net worth in 6 months. 18:45
23. Talk about upping credit scores and why they are important! 18:55
24. When you and Jer moved in together, did you get a joint checking account or have separate? 20:36
◦ Why We Keep Our Accounts Separate
www.youneedabudget.com/why-we...
25. Has this helped save specifically for retirement savings? 21:24
26. Are you pursuing FI now? What strategies are you implementing after listening to ChooseFI? 21:52
◦ www.choosefi.com/
27. What do you recommend for investing? How much do you set aside, any tips you have!
Are you doing any investing? 23:34
◦ investor.vanguard.com/home/
28. How did you determine how much to allocate to each area of your budget? 24:32
29. More that I've struggled to set up YNAB! How do you stay on top of it? 24:51
◦ Nick True - MappedOutMoney
• YNAB Tutorials: Everyt...
30. I just hit my 1-year debt-free and investing anniversary too! Congrats! 25:40
Please let me know if you have any questions! : )
Giveaway will be open for one week! Neither TH-cam nor YNAB has anything to do with it. Leave a comment down below, and I'll use a random number generator to pick someone to win a one-year subscription to YNAB. : )) - แนวปฏิบัติและการใช้ชีวิต
So glad you're liking YNAB, Ashley! Thanks for the shout out! ♥
Ashley's video set off a 3 hour researching spree, watching other videos and reading about YNAB. I got excited, downloaded the app, just to find out that TD Bank is not integrated and that is a must for me. Bummed and back to the drawing board. If you have any recommendations for other apps that DO support TD or if you know when that bank will become available, that would be great!!!
Long video today! It actually didn't feel half this long when I was recording. All questions listed with timestamps in the description box. Let me know if you have any follow-up questions. xx
My goal is to budget for real. I’ll explain. After watching some of you previous videos, I got excited to budget. I set up my own paper and pen spreadsheet, everything divided by 12 for yearly expenses, etc. Well, surprise! We paid off our house! Now, because my budget was self invented, I’d like to try it for real, lol. Thank you, by the way, for getting me excited about finance. And, we’re not rich. My husband is a retired fire marshal. It’s amazing to see good results.
These are my new favourite videos! I'm so glad you started sharing on this. Thank you!
My husband heard this playing and it started a conversation so thank you. We bought our house last year and so now we want to sit down and prioritize our next big goals.
Love this!! Thank you for getting people talking about money 😊
I love these videos! You’re always so informative. One of my goals is definitely saving for travel!
Our number one goal is to save all of my retirement income. Like, not touch it until we have a big "want" - like an overseas trip or a new horse trailer. Love your channel so much and you've given me a renewed wish to try and figure out YNAB. It seems so complicated!
OMG Ashley this video was amazing (and you looked so passionate!). Thanks for all your advice, love you videos. Xo, Elise
This makes me want to start budgeting again! I’ve always thought YNAB would be a great way to do it, but just never bit the bullet! One financial goal my husband and I have is saving for a down payment for a future house and paying off student loans!
Love these videos! You’ve inspired me to really get BACK to my budget!
Hey! Thanks so much Ashley for the recommendations, that means a TON to me. Great video and I super appreciate it :)
So helpful and informative! I appreciate your openness on this topic. I would like to be a better saver, and just feel better about money and not stressed about it all the time.
Dear Lord how the time flies! I remember the first video you mentioned the finance journey and here we are a year later! Congrats Ashley!
Thank you for sharing! I’ve been trying to stick to a budget but it’s been a challenge. These tips and resources def help!
I really enjoyed this video, it's nice to hear some real experiences with YNAB, it's been on my "I need to get into this" list for ages. My goal is to buy a car, as I have just upgraded to a bigger apartment and a car is the next "big thing" that would make my life way more convenient. 13 years of only public transport is enough.
I had no idea you had your own channel before you joined YNAB - it's so cool to see your own videos pre-YNAB! Your YNAB videos have such a chill vibe - I love them!
Heyyy! First of all, the hat! It looks so good on you! I'm not even a hat person, but I've been loving wearing it on walks.
This video was right around the time I started the interview process at YNAB. 😭 Still grateful every day!
Your enthusiasm for personal finance is giving me the motivation I need! I would love to save enough money to put in quartz countertops in the kitchen and bathrooms
I started YNAB because of your first finance video many months ago and it's made me feel so much more confident about saving and spending! Thank you for your helpful and informative finance videos!! xx
I remembered these videos and came back to rewatch because I am ready! INAB :) but I think it’s funny, you are giving an example of a trip you might plan, Italy summer of 2020. Sign....
yours was one of the first channels i follows on YT years ago. i'm watching YNAB channel and there you are!! 😀
I loved this video! Thanks for taking the time to do the time stamps and add the links, that is so helpful. I plan on showing my husband some of this as the one big thing we need to tackle is his student loan debt. He’s been burying his head in the sand for years and what he pays doesn’t even cover interest. It’s time we did something about it, so the YNAB app would be so helpful to us! I hope you continue to do more budgeting/money videos in the future and would love some recs for other budgeting TH-cam channels.
This video has totally inspired me to get on top of our family finances! Going to get the YNAB free trial now!
I've been using YNAB since 2012. Love it!
Thanks Ashley for doing this video. I have started my debt snowball and look forward to paying off my car loan and then working on my student loan. Thanks for being so motivating and for all your recommendations. :)
I’d love the YNAB membership; we would love to be able to do up our study at home to allow us a nicer working environment to productive with our time!
Love this type of video. I could watch/listen to them all day! Working on paying off last little bit of debt so our money is OUR money!
I was going to skip this video but I’m so glad I watched it! I feel shame about the state of my finances and seeing where you are after a year - joy, confidence, engagement and taking control of an area where you had been ashamed- has been quite the motivator. I’ve been very slowly paying off credit card debt so my goal is to speed that up and become debt-free in two years. Thanks for your enthusiasm and honesty!
Really enjoyed this video! I've been thinking about starting a budget for a while and your video has been really motivating for me. My financial goal is to number one just figure out where all my money is going each month.I feel I fall into the trap of mindless spending that you were talking about and I would really like to learn to save. Thanks again for your encouragement!
I loved this video. I am just starting my journey of budgeting and this was super helpful. My biggest financial goal right now is saving and paying down debt. I just had some big car repairs that I wasn’t prepared for. It left me feeling very stressed and ready to make a change. I want to take the YNAB plunge!
Love these videos, Ashley! You're the one who introduced me to ChooseFI the podcast and listening to that has changed my and my husband's lives! It's amazing and I am so into personal finance now - so, thank you and congrats on all of your accomplishments this year!
My one goal within the next three months is save money for the down payment of my home. I’m so glad you posted this video! I’ve been on a money journey for the past few months and this was very insightful. I think YNAB would be a great tool. 🤑
My financial goal is to save enough money to replace our fence :) Thank you so much for your videos on finance. They have really inspired me to get on track!
I love all of your videos but really appreciate this financial series, especially that you’re willing to admit you’re a spender. I’m also a spender and desperately want to get ahold of my finances and feel so shamed by other videos telling me that I need to just get a clue and save. Thanks for making this series, I can’t wait to see more of your videos!
Such a great video Ashley! My financial goal is to actually work towards a budget. So much of this video resonated with me in regards to the shame, not wanting to talk about money, and spending needlessly. I am 31, with a decent job but am embarrassed that I don't have anything to (finally speaking) show for my years of work. I'm so proud of your efforts and how you're working toward your goals. Keep doing a great job!!
Thanks so much for this incredibly helpful video Ashley. After a very difficult year, my primary goal is to get a healthy emergency fund in place. Thanks again for the inspiration.
Hi Ashley! Thanks for the all the info, I love watching your videos! My family’s big financial goal for the year is to be debt free my Jan 2020! It’s been a long journey but soon to be so worth it!
Loved this video. You make me want to take better control of our finances!! One financial goal is to save up for travel. We really want to go to southern Italy next year and I want to reign in some of my purchasing to put away for that trip!
I really appreciated this video and it’s motivated me to look more at my finances, saving, spending and investing! I’m currently unemployed as I wanted a break and live with my parents but you shared some great tips and I’m excited ☺️
Thank you so much, Ashley. I’m still struggling with my budget but this video gave me so many ideas on what to do. Been doing David Ramsey’s 7 baby steps and I went back all the way to step 1. I’m so frustrated. 😭 hopefully, I’ll be able to do it this time. 🙏🏼😉 Thanks again
Thank you for this video Ashley!!! I took out a loan to start my small business about a year and a half ago against a 0% interest credit card and it's been giving me anxiety for as long as I've had it! This video just motivated me to get at it!!! Thank you!!!
My biggest goal this year is to pay off my CC debt as fast as possible so i can work on building my emergency fund and sinking funds!
I recently found your channel via Cloth & Paper and I’ve been binging your videos! 😍😍 My husband and I are on a mission to be debt free, so I love all things personal finance! Just put YNAB book on hold at the library and I can’t wait to read it! You’ve definitely got me interested in the app! Thank you for all of the recommendations!
Okay I just took out my Total Money Makeover book from my book shelf and I really am going to try the app also. Time to get down to basics. My husband has been sick and we have had so many medical bills that I just need to get smart about our future. Thanks for the inspiration Ashley.
I loveeeee these videos! I am gonna download the app.
Afford anything, journey to launch, and bigger pockets money are great podcasts. I love jl Collin’s book the simple path to wealth. I’ll be student loan debt free by the end of the year.
Right now I'm saving with my husband to build our dream house! Its a big goal and I am sure it will take some time but Im also really excited for it - especially the progress. Love your financial videos! Hope you will film some more!
This is so inspiring! Thank you for all of your practical and easy to implement advice (both here and on your other videos). My biggest goal for this year (I'm a lecturer so I tend to work from an academic calendar) is to have a zero dollar budget. I've got a basic one but like you I tend to be a spender and I think this will help me plan better!
Thanks for such an informative video!! I'm currently pregnant with our first child, so a huge financial goal my husband and I have is to get control of our finances so that we can confidently start saving for college and all things baby related! I just downloaded the YNAB book thanks to this video and I'm so excited to dive in!
Love hearing you talk about this. So many helpful resources. I think my goal right now is to get more aware of our current financial situation in order to feel good about spending some of the money we have saved on big ticket items like a new kitchen table or a trip.
your enthusiasm for personal finance is contagious :) my goal is to pay off my husband's student loans.
Absolutely loved this video, Ashley! For me, the biggest financial goal I have right now is paying off my student loan!
I love this
Video this my first budgeting year!
I love this topic - and scared by it at the same time. Thanks for sharing your journey and also being vulnerable. It is daunting. Thanks for the chance of winning a one year subscription - my goal is to save towards an emergency fund.
Loved the video! My husband and I are just getting into the Dave Ramsey baby steps. I think my big goal for us to be consistent with the budget. We've managed the $1000 emergency fund but we're struggling with the snowball. I just want us to get to a place where we can be open and honest about our money without it being a source of stress.
Great video! Thank you for all the amazing tips! I would LOVE a free year of YNAB! My Finacial goal would be to pay off all credit card debt within the next year and be able to save for family and adult (no kids) vacations!
I love all of your videos but the ones centered on money are quickly becoming favorites. I was very passive when it came to money but your input has helped me to take control of my finances. I hope to have a six months worth of income saved soon!
Thank you for your insights! We have just started the money discussion in our household. The first goal is to pay off our student debt (we both recently graduated) and start our emergency savings fund. we are just at the beginning of this journey and will definitely be looking into YNAB to help!
We recently listened to Cait Flanders book “the year of less” which really put us into a new mindset of needing and wanting less stuff, and in turn we are working on being more mindful shoppers.
Thanks again!
Loved this I have so much fear around money. Living paycheck to paycheck, I support my disabled husband and three teenage sons, the oldest graduating high school next year. My budget is a disaster but I’ve downloaded the podcasts and would love to try ynab !
We are moving in to a new house that will require a lot of renovations. I love the idea of having smaller savings accounts or goals such as: new flooring, new cabinets or interior paint that would could try to work toward and slowly knock things of our wishlist! We are getting married in 2 months and are already trying to plan how we will budget our money. Great video! So inspiring.
I've been tracking a lot more this year, too. It's amazing how things like take-out dinners add up! I've been better about saving but my goal this year is to get impulse purchases more in control so I can save more. I've been trying out the wishlist idea and waiting - it really works! I watch TH-cam to wind down from the day and I was bombarded by the Nsale videos. I ended up making a wishlist from the videos I watched and by the time public access opened, waiting had enabled me to cull my wishlist by like 90% and I only ended up getting things I really love and will wear a ton this fall :)
I love how happy and passionate you are talking about this topic! Three main goals for me: Being more hands-on with our finances since I leave it up to my husband too often, learning more about investing in general, and saving for growing our family through adoption 💗
This video was so inspiring, Thank you for sharing all of your input with us! One of my financial goals would be to clear out all credit card debt and start saving, by giving each dollar i make a purpose!
In the past 2 years my husband and I have paid off both of our student loans, set up emergency savings, paid off our car, and saved for the medical expenses of having our baby. Now we can finally start saving for a home!
Ashley, this is a great video full of so many resources! I hope many people see it and become curious to grow their financial knowledge. It worries me when I see a store like Sephora putting out a credit card; it could lead to a never ending cycle for people who don’t have a good handle on budgeting. 😕
Anyway, your giveaway is a wonderful one. We use an Excel file that we built for our budget but I’m curious about YNAB. One financial goal that I’ve been working on is lowering my spending on “fluffy stuff” (makeup, entertainment, non-essentials). I already have enough stuff and wanna appreciate it rather than acquire more. 🤗🙌🏽
Our current financial goals are to pay off my student loans and save for two big trips next year! Thanks for this video. I've already watched it a couple times and started my YNAB budget. Coming from Every Dollar, it's intimidating but I can see the benefits in their system already!
I love your personal finance videos Ashley! One of our goals for this year is to increase our retirement contributions. We want to eventually get to 15% of our gross income.
Thanks for all of the information and resources!
Great video! I relate so much to feeling like money conversations causing anxiety. I’ve wanted to try YNAB but my hubby wasn’t so sure about the fee so 1 year would be an amazing start! Right now I’m using Goodbudget. We are saving for a kitchen reno and so that I can stay home to raise kids one day without having to stress about the loss of salary 🙏🏼
Thank you so much for this! I’ve always been put into fear and shame mode about my financial decisions that I did my best and hopefully had money left over before my next paycheck. Of course that wasn’t the case.
Now I’m in a serious relationship and my bf and I plan on moving in together in the spring of next year. My goal is to create a budget that works for the both of us while also saving for our future.
Thanks for the financial inspiration/motivation. I'm checking out the links you mentioned here for a further kick in the pants!
I'm trying to save to travel across the US in a van with my best friend next year, love this video!
I’ve added all the books you mentioned to my amazon cart! But think it would be silly to purchase those right away without checking my budget haha!
So my budgeting goal is to figure out where I truly sit, create a plan & implement! This year I officially got into debt with grad school loans & a car payment.. so I’m anxious to figure out how to aggressively pay both off.
Thanks for the video!
I honestly can’t understand how people even live without YNAB. If it ever goes out of business, I won’t even know how to manage my money. I have been using it for over three years. However I still need to do a much better job of building savings rather than justifying spending my disposable income.
Your videos are always so uplifting...regardless of the topic! We recently sold our home and are about to close on our new one. The sale of our home left us with the ability to pay off our credit cards and that is the BEST feeling! Now I feel so excited to really start saving and building emergency funds and working my way from feeling that “living paycheck to paycheck” lifestyle. Thank you for sharing your experience and giving me so many ideas!
I love these videos! We were avid travelers before coming parents, and now we've added two little girls to the mix. The dream is to go to Paris on our anniversary (ANY anniversary!), but it's become harder to track expenses and goals and priorities with a growing family. But thanks to your recommendations, I know it's possible to find that money and make it happen!
Thank you for all this information! I just finished reading The Financial Diet which you recommended on one of your previous money videos. Time to start another budget book soon :)
My goal is to pay off my credit card! Will be difficult as a grad student, but I'm ready to see no balance on my credit card statement.
Just wow, Ash! So many good things about this video, I don't know where to start!! I love how you seem to have surprised yourself by finding a passion for saving and that's what I'd like to uncover for myself. My husband and I are thinking of purchasing a new car minus the payments, so that's a short term saving goal we're working toward. As well, we both love traveling and would love to go abroad, but that'll require more effort on both our parts! Maybe YNAB is the way to go. Thanks so much for all the preparation that went into making this video and for sharing your new found passion! PS Bo's adorable.
Thanks so much for watching, Hannah (and for the Bo compliment - I can't get over how cute he is 😂)! Wishing you guys success as you work toward the new car goal. 😀
Great video. I was so happy for you when I started seeing your money videos come up! Good for you!
I used to have serious money shame until my husband started sharing his budgeting process with me and explaining basic money concepts. Biggest financial goal we have is to get out of student loan debt! Credit cards are all paid off (yay!) and we're down to one student loan each. Then we can start saving for a down-payment on a house.
I loved this video and hope you’ll keep the financial videos coming! This has been my first full year on my own post divorce and it’s been a big year for me financially (my former husband refused to budget and was a big spender). Two of my goals for the year were to set aside $300/month in an emergency fund and pay 1 extra house payment. I’m on track to exceed both goals. With a recent job promotion I’ve been inspired to really further tighten spending and start allocating everything possible to saving and investing. Food spending is the one area where I still have a lot of progress to make with my spending, I’m hoping YNAB will help me set and stick to a budget. I love the mindset that every dollar has a purpose.
This was a great video! I’m feeling so inspired! My financial goal is to be able to pay off my student loans!
Just found your channel and will definitely be watching more, thank you!
My financial goal is finding balance in how much to put away between my short/mid and long-term goals!
My husband and I want to start a family but we haven't finished paying off debt we accumulated in our move to our new house/wedding. Paying off that debt (and staying out of credit card debt in the process!) is my number one goal I'd like to tackle!!
Wonderful information! Money goal is a better travel fund.
Thank you so much for this informative video! As a fellow spender, I really struggle with budgeting and am always looking for helpful tips and resources. I would love to pay off my massive student loan debt!
My financial goal is to take control of my finances and create a budget and stick to it!
My biggest financial goal this next year is to SAVE. I’m entering my 3rd of college & the goal is to graduate debt free. I am able to save a good percentage amount, but I’d like to cut down on little impulse spending and strictly stick to my pre-apportioned categories so that my numbers stay regular and consistent so I can feel confident and save even more.
Awesome video!!
Baby fund, my husband and I are expecting our first November 2019
I loved This! Thank you for sharing. My goal right now is the emergency fund. I have experienced job loss and want to be prepared next time.
I adore your channel and I especially appreciate your personal finance videos and related recommendations! My financial goal is to be able to fully fund my Roth IRA each year.
Great video! One financial goal we have right now is to set up a retirement fund for my husband.
I've been thinking about trying YNAB, so thank you for your insight! My current financial goal is to pay off credit card debt. I recently completed a cross-country move (Hawaii to Boston) and, unfortunately, picked up a little bit of CC debt in the process.
My goal is to save for a down payment on a house!!! I'm doing a pretty good job saving, but I think I could do better. Thanks, Ashley! I love your videos about finance and money. Keep up the good work!
Thank you so much, that was very interesting and you gave good tips. One of my financial goals at the moment is to save 25% of my salary in the next year.
baby that’s on the way 👶🏽
Looking to add an addition to our home to accommodate our growing family ☺️ our goal is to start saving beforehand - tackling our debt and managing our money makes me feel so much better about things. Currently using Mint and spreadsheets but not loving my setup.
Thank you for such an informative video! And for the giveaway:)
I have to go through surgery soon , so I think we need the buffer savings account you talked about.
Excellent video!
Hello Ashley, I need to change the flooring in my appartment. Thanks for nice video.
Very informative! Thanks for this video and got curious of YNAB that I availed their one month free trial 😁 and the books you recommended i made a list on it to check it out! Thanks much!😊