You Need A Budget (ynab)

Frugality, for its own sake, is really, really boring.

Living within your means frees up cash for saving or getting out of debt, but it is so much more than just that.

Sometimes you've cut all you can cut, and it's time to increase the size of your shovel.

You have permission to keep it simple. Challenging assumptions.

The one thing we don't talk about regarding debt, is that it kills scarcity. Scarcity helps you.

After a little YNABer feedback, I've decided to revise and extend my remarks on debt…focusing on good debt versus bad debt.

We talk a lot about priorities. here's my view on getting out of debt, as your single priority.

It's that age-old habit of humanity where we judge others quickly, but rarely examine our own insane behaviors.

YNAB for iPad is here. It's great. It's free.

If something is really complicating YNAB for you, maybe stop doing that thing?

Look to optimize, and simplify.

A promise to Julie, and some advice for business owners (and everyone).

There's no shame in it. If you've quit YNAB, get started again. We've made the restart easy.

I may be pulling YNAB out of the equation for our kids and their money.

A financial lesson learned in the Arizona summer heat, while picking blackberries for my dad, when I was ten.

A few thoughts on forecasting, scarcity, and clarity.

 When you're in emergency mode, suddenly every purchase is justifiable. How do you avoid this flawed thinking?

I want to make some changes to how I spend my time. You can guess where this is going.

Announcing a new "division" of YNAB, designed specifically for small business owners.

The title says it all. If you don't want to change it, maybe you don't need to track it.