This post is sponsored by YNAB.
Things I like to talk about: Babies. Bucket Lists. Candles. The Creative Process. Friendship Stories. Family Stories. Books. Music. Cool People. Peter Pan Collars. Nail Polish Colors. Food.
Things I don’t like to talk about: Money.
In fact, my overall response to all things money–budgets, taxes, banks–for a long time has been this:
I don’t want to look. Just tell me if I can spend or not. For the record, this is a horrible way to approach everything. YOU HAVE TO LOOK.
One of my 2016 goals is to exercise my girl power and, together with Brett and his boy power, become more in control of how we think about, spend and save our money. We talk about the importance of awareness and responsibility in personal health, taking care of our bodies and raising our children; we can certainly extend that awareness and responsibility in our finances.
The funny thing is, on that list of things I like to talk about, I have bucket lists. We love to talk about trips we’ll take someday or things we want to do with our kids or house projects we dream of starting, but all of those things? They can’t happen without money. And instead of throwing those dreams out into the universe and waiting for them to boomerang back to us (unlikely), we can grab the wheel and steer it much more efficiently if we become more specific in the HOW and WHEN behind those dreams.
Enter BUDGET. We’ve had very loose interpretations of it in the past, but we know we can do better at managing and saving our money, so we’re trying a new way of budgeting that is easily manageable and flexible. Less winging it and more MAKING IT HAPPEN.
A big help toward that goal? You Need a Budget, an app that allows you to have full control of your money and focuses on four basic rules that allow you to manage, save and change the way you spend. EVERY DOLLAR IS ASSIGNED A JOB.
The app syncs right to your bank account, and everything you spend from dinners out to that cute shirt you really want are tracked and categorized.
From someone who’s been intimidated by the word “budget” in the past (sounds like “DIET” and “RESTRICTION” and “NO FUN”), this is…dare I say…fun. Motivating and definitely satisfying in the sense that it feels powerful and smart to see where money is going and, in doing so, take charge of how it grows. And it’s flexible! You choose what’s important to you.
The app creates a great visual that makes teaching your kids about money easy too.
YNAB just launched an all-new web based version with smart budgeting features that make it even easier to be the boss of your money including direct import, goals, age of money, and many more.
So maybe I still won’t be discussing savings bonds over coffee with friends next week. But I’ll at least be able to tell you how much that coffee costs and how much is left in our Eating Out budget with an easy touch of a screen. Girl Power!
Are you ready to take a new look at budgeting? YNAB is offering my readers 3 months free when you click this link.