The YNAB Method

Rule Four: Live on Last Month’s Income

How do I live on last month's income? Rule Four Video In order to live on last month’s income, you first save up enough money to cover a month’s worth of expenses. When you save this money and put it to work, we call that a Buffer. The buffer allows you to put some space between
Last Updated: April 16, 2015

Live Class Materials

To sign up for a LIVE Online Class, check the class schedule.    Getting Started with YNAB If you are new to YNAB, this class provides a solid, in depth introduction to the YNAB Methodology. You will learn how to set up an account, customize your categories, budget your dollars and
Last Updated: March 25, 2015

Rule Two: Save For a Rainy Day

How do I save for rainy days?   Rule Two Video Rule Two helps you prepare for less frequent bills and unplanned expenses. By saving for these expenses each month, you won’t be blindsided when something happens. If you don’t spend the money you have budgeted during a month,
Last Updated: November 22, 2013

Rule One: Give Every Dollar a Job

How do I give every dollar a job?   Rule One Video In the Budget column, assign dollars to each category until your Available to Budget amount is $0. In the sample below, we started out with $1000 Available to Budget and budgeted $200 into Groceries and $100 into Restaurants. That
Last Updated: November 22, 2013

Rule Three: Roll with the Punches

How do I “roll with the punches”?   Rule Three Video Overspending is not a sign of failure. On the contrary, it’s a normal part of your financial life.  What matters is how you deal with it. Overspending is marked by a red negative number in the category balance
Last Updated: December 9, 2013

Need More Help?

Learn YNAB in depth >