You Need A Budget (ynab)

Question your financial scar tissue. Are all of those accounts still (really) necessary?

We want active engagement. Simplicity promotes that, which is why we like it.

When it comes to lasting, positive financial change, don't do what I did.

It's that time of year for you to do a quick pause and evaluation. It'll do you good.

Windfall schmindfall. Just fall back on Rule One.

How much should you save? And would it be possible to not beat yourself up so much?

When budgeting with a partner... Rule 3 can be tricky. How do you deal with overspending together?

How do you view financial goals? What if you saw them more as guesses?

When budgeting with a partner... establish a workflow, ownership, simplification, etc.

It's a therapy session folks! Gettingn down to the WHY behind money will bring you absolute clarity. It's Rule One.

When budgeting with a partner... have a regular budgeting meeting. Make it fun. 

When budgeting with a partner.... have some individual space. You need some fun money. 

When budgeting with a partner... keep it simple. You merged your lives—merge your finances.

When budgeting with a partner.... be clear about what you bring to the table. All of it. Debts, habits, passions, etc. 

A shoutout to a classic that everybody should read.

A look back, with an anniversary four months late.

Then budgeting is even more important.

The 2015 holiday season is now upon us.