Can You Love Your Unexpected Expenses?

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  • เผยแพร่เมื่อ 23 ธ.ค. 2024

ความคิดเห็น • 53

  • @YNABofficial
    @YNABofficial  10 หลายเดือนก่อน +39

    Sorry this posted a little late, folks. Ashley is on vacation and I (BenB) was in charge of posting and I thought I did everything right, but I guess not. But better late than never! Also, so sorry for not catching a small editing mistake that cut off a bit of the intro. Ashley will be back next week and all shall be right with the world. ~BenB

  • @jjxtwo1
    @jjxtwo1 10 หลายเดือนก่อน +32

    Hasn't seen or even heard of Dr. Strangelove?! "Gentleman! You can't fight in here. This is the War Room!" Wow. The innocence is strong in these Budget Nerds. 😂😂

  • @wurdnurd1
    @wurdnurd1 10 หลายเดือนก่อน +16

    Last week, I had to pay $800 to the IRS, $395 to the CPA, and $1180 for a new mattress...and I had it all in hand because I knew the taxes was coming and had set it aside, and I was able to roll with the punches and pull the mattress money from another category. It felt amazing to be able to pay all that money without incurring any debt. Thanks for all you do!!

  • @lisacorbett4984
    @lisacorbett4984 10 หลายเดือนก่อน +12

    Hi Guy's! Love the shout-out on gratitude. I have all my monthly expenses titled Blessings!! Mindset is everything.
    I have been using Ynab for years, I got 30 days ahead a year ago and was doing well. I then slipped back into spending money I dont have, and I'm now in a horrible place with credit card debt. But I am hopeful, back on track, because of Ynab. I am able to recognize that I am blessed to be able to afford my bills at this point, and I get another chance to look at all my spending behaviors and that I have a second chance to do things different. I couldn't do it without Ynab and your support through your videos.
    I am so grateful, and I am emrassing the journey that, although Im broke and have no other categories funded. My bills are paid!!❤

  • @jjxtwo1
    @jjxtwo1 10 หลายเดือนก่อน +6

    It's a warm and fuzzy feeling to be able to tell your spouse that we've got this bill. "Remember dear, we have been putting money in that category and we've got it covered. We can relax." Aaaaahh.

  • @fedos
    @fedos 10 หลายเดือนก่อน +8

    It's funny I have to keep explaining to my dad how I'm "broke". Then I'll get have an expensive car repair or heating oil fill-up and he'll say something like "that's going to be painful to recover from", but it's not painful because I have more than enough sitting in the relevant category.

  • @angeladeborapontororing2435
    @angeladeborapontororing2435 10 หลายเดือนก่อน +5

    I have an "occasional family visit" category and I really love that I am now able to treat my loved ones who come and visit me where I live across the country. they sometimes come for work reasons and stop by to catch up with me... and it brings me so much joy to just pay for meals and enjoy my time with them without worries. #ynabwins

  • @bookworm1956
    @bookworm1956 10 หลายเดือนก่อน +3

    Hi Ben, when you know you have to wait for something, take something you see as a treat (for me it's usually a book I've been wanting to read). Use it as time to do something you love, even if you would prefer being somewhere else. It's still time you get to have for yourself. No bad conscience. Just a gifted half hour or hour.

  • @valerieproctor517
    @valerieproctor517 8 หลายเดือนก่อน +2

    We went to a horror themed escape room last weekend. Something I'd NEVER spend my money on. But it was to celebrate my Brother-in-Law whom I love dearly - so because I value time spent with family, it was a great use of my money! And we escaped!

  • @arambladen3087
    @arambladen3087 10 หลายเดือนก่อน +3

    We can't say those expenses are unexpected. I have upcoming yearly expenses that are coming up in March, and I've never been this excited and ready to pay them!!! I know I'm going to lose the hard work I've built up for those categories, but that's what makes it exciting and fun (for me at least)!!!! 🤣🤣 I get to do it all over again and set new rates for those targets!!! Fun, fun, FUN!!! I LOVE IT!!! 💕💕💕💕

  • @smbaya1
    @smbaya1 10 หลายเดือนก่อน +2

    Thank you so much for this episode. I had a home repair for $1000ish this past week and I have a car repair for $6500ish coming up that I am still building the funds for. I realized that paying cash for these two things and doing so one month right after the other is a HUGE change for me. And listening to the podcast made me appreciate how far I’ve come and the stability I have. Instead of being depressed that the money is going out. I really believe 90% of budgeting is mindset and 10% is the action of using an app to push buttons and add data. That’s why I really agree with the shift to the 4 habits (vs rules).

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน

      "I really believe 90% of budgeting is mindset and 10% is the action of using an app to push buttons and add data."
      This is so true! Well said! ~BenB

    • @danmeck5978
      @danmeck5978 9 หลายเดือนก่อน

      6500 is a whole new car!

  • @staceybulleigh8408
    @staceybulleigh8408 10 หลายเดือนก่อน +4

    My favorite YNAB duo is back for another great episode!!!!

  • @brendanritchie1862
    @brendanritchie1862 10 หลายเดือนก่อน +3

    A furnace filter cleans the air true, but also keeps dust and debris from dirtying your coils. When those coils get clogged it will shorten the life of your furnace and A/C.

  • @stevenreid_youtube
    @stevenreid_youtube 10 หลายเดือนก่อน +1

    I like the concept of "true expenses" within budgeting or financial planning. It emphasizes the importance of acknowledging and planning for expenses beyond immediate needs, such as future bills, savings goals, or irregular expenses, and cultivating gratitude for the ability to address these expenses proactively.

  • @libbysworld7649
    @libbysworld7649 10 หลายเดือนก่อน +2

    Hi Ben, I KNEW where you were going with the Dr. Strange Love reference! Great analogy. Also, awesome episode.

  • @KimberlyR-st1dl
    @KimberlyR-st1dl 3 หลายเดือนก่อน

    This is a really great episode. I struggle with spending the money that I have in categories. It's a sort of rigidity that I struggle with. I appreciate this conversation!

  • @ljackson2726
    @ljackson2726 10 หลายเดือนก่อน +4

    I was watching a movie the other day and I am pretty sure that I saw Ben in a conference room scene or someone that had a VERY similar profile to him. If it was him, he may have mentioned this on another video, but I was pleasantly surprised.

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน +10

      I was indeed an extra in a movie recently in a conference room scene. So it was probably me! Some friends of mine made it. :) ~BenB

    • @molliemahaffey7469
      @molliemahaffey7469 10 หลายเดือนก่อน +1

      That’s wild! We need the title for this movie pls
      You’re also a dead ringer for my brother in law. I sent a screen cap in the family chat and my sister was like, “huh I thought that was my husband for a second”😂

  • @bcase5328
    @bcase5328 10 หลายเดือนก่อน +2

    Having a will with a financial plan as a parent is important. Single persons also need a will and planning if they don't want to leave matters to the State.

  • @dawnkoplitz1825
    @dawnkoplitz1825 10 หลายเดือนก่อน

    Ernie, I’m in the same chapter of Atomic Habits. I’ve always thought about word choices and it really does make a difference. I also agree with you that Habit 2 is my favorite. It gives me piece of mind.

  • @funtechu
    @funtechu 10 หลายเดือนก่อน +3

    Dr. Strangelove is a classic! You are definitely not alone

  • @mrachel3
    @mrachel3 10 หลายเดือนก่อน +1

    My struggle with ‘surprise’ expenses is that it was hard to save up the money for car maintenance and having that cushion gives a lot of peace of mind. When I have to use it, I fear that I’m not going to be able to replenish those funds.

  • @MindyTunnell
    @MindyTunnell 10 หลายเดือนก่อน

    Been feeling the itch for a new Budget Nerds. Let's go! 🎉

  • @michellebash
    @michellebash 10 หลายเดือนก่อน +1

    Haha! I was just choking on the cost of ice cream cakes earlier this week! My son is turning 14 tomorrow and wanted one, thanks to Ernie, he's getting one! 🍰

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน

      I'm sure he will LOVE it! ~Ernie

  • @kaybellor2284
    @kaybellor2284 7 หลายเดือนก่อน

    Jumping in a couple of months late to assure Ben that at least one of your audience understood your Dr. Strangelove reference! You are not alone. 😊

  • @Natazavrik
    @Natazavrik 7 หลายเดือนก่อน

    Where can I find the videos of Ernie doing monthly budgeting? I remember watching some a while back but now I can’t find them. Thank you so much!

    • @Natazavrik
      @Natazavrik 7 หลายเดือนก่อน +1

      Sorry! Found it!

  • @schasusa
    @schasusa 10 หลายเดือนก่อน +1

    Ben as soon as you said Dr. Strangelove, I laughed because you made complete sense. Very funny movie.

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน

      It's a hidden gem! 😁 ~BenB

  • @jeantesc812
    @jeantesc812 8 หลายเดือนก่อน

    Dr. Strangelove is my favorite movie of all time.

  • @xmochix604
    @xmochix604 2 หลายเดือนก่อน

    everything's leaky. the whole worlds leaky hahahha! made me LOL!!

  • @johnny_c-l
    @johnny_c-l 10 หลายเดือนก่อน

    You are not alone!

  • @fsmoura
    @fsmoura 10 หลายเดือนก่อน +2

    Well, after I learned to love reconciling, anything is possible... ( o.o)

  • @michaelpporter
    @michaelpporter 10 หลายเดือนก่อน +1

    "You Can't Fight In Here, This Is The War Room!"

  • @MightandMagic88
    @MightandMagic88 10 หลายเดือนก่อน

    I immediately recognized the Dr. Strangelove reference. Great movie!

  • @graffeodl
    @graffeodl 10 หลายเดือนก่อน +3

    I know the movie for sure. You are not alone. LOL

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน

      Haha! THANK YOU!

    • @kristinaborge9356
      @kristinaborge9356 10 หลายเดือนก่อน

      Definitely not alone! Awesome movie

  • @LetsLiveUpstream
    @LetsLiveUpstream 10 หลายเดือนก่อน

    I knew the reference immediately Ben but I was also a film student in college (and I'm almost 42) sooo.... 😆🤷🏻‍♀

  • @mirla838
    @mirla838 10 หลายเดือนก่อน

    More Ynab Wins!!!!😊

  • @SilverWagonStudio
    @SilverWagonStudio 10 หลายเดือนก่อน

    Dr. Strangelove is a classic!

  • @teaisfortania
    @teaisfortania 9 หลายเดือนก่อน

    Dr Strangelove is a cult classic, my dad showed it to me too 😂

  • @MrsSquishy2010
    @MrsSquishy2010 10 หลายเดือนก่อน

    I get you Ben!

  • @natashabrandstatter9724
    @natashabrandstatter9724 10 หลายเดือนก่อน

    Dr Strangelove I *believe* was the first movie Stanley Kubrick wrote/directed. Starring Peter Sellers and George C Scott. Tbh the first time I saw it I was like, WTH did I just watch?? 😂

  • @chrisbradford5893
    @chrisbradford5893 10 หลายเดือนก่อน

    Ben, you probably need your entire suspension replaced. I imagine they only replaced control arms.

  • @pfftclairbear21
    @pfftclairbear21 10 หลายเดือนก่อน

    Ben, I think the word you're looking for is arborist

    • @YNABofficial
      @YNABofficial  10 หลายเดือนก่อน

      THANK YOU! That's exactly it.

  • @RaymondAtivie
    @RaymondAtivie 10 หลายเดือนก่อน

    First to comment

    • @bjbarlowe
      @bjbarlowe 10 หลายเดือนก่อน +1

      Darn!